What the RRSP gives you
A plan that's simple to understand, with an immediate effect on your taxes and a lasting effect on your retirement.
Immediate tax deduction
Every dollar contributed lowers your taxable income for the year. The effect depends on your marginal tax rate.
Tax-sheltered growth
As long as the money stays in the plan, growth is not taxed. Nothing to report each year.
Invested in segregated funds
Alexandre offers the RRSP invested in segregated funds: an insurance contract with capital protection according to the terms of the contract.
Unused room carries forward
Room you don't use in a given year carries forward to later years. Nothing is lost.
Your RRSP strategy,
without leaving home.
Alexandre analyzes your situation and gets back to you with a personalized recommendation. Free, confidential and with no obligation whatsoever.
Cut your taxes
while saving for yourself.
The RRSP gives you a tax deduction in the very year you contribute, while letting your savings grow tax-sheltered until retirement.
Who is it useful for?
Your investor profile
Before any RRSP recommendation, Alexandre has to know you. Gathering this information is an advisor's obligation, not a formality.
Your financial situation, your income, your debts, your family and your goals.
The starting pointHow soon you'll need the money, and how much fluctuation is acceptable to you.
Two key questionsAlexandre establishes your profile and recommends an allocation that suits you.
Matched to your profileYour profile changes with your income, your family and your horizon. The file is reviewed every year.
Every yearThis process is what makes sure the recommendation really suits you.
What kinds of funds?
The RRSP is invested in segregated funds. The fund type chosen depends on your investor profile and your retirement horizon, established with Alexandre.
Conservative
Stability comes first. Useful when the horizon is shorter.
Balanced
A mix of growth and stability. It's the most common choice.
Growth
Aims at the long term and accepts more fluctuation along the way.
What is a segregated fund?
It's an insurance contract whose value tracks an investment portfolio. It is not an ordinary investment account.
No specific fund is named here and no rate of return is shown. The choice is made with Alexandre, based on your investor profile.
The Alexandre advantage
No bureaucracy, no call center. Alexandre takes the time to understand your situation and offers solutions that truly fit you.
RRSP, TFSA or RESP?
RRSP RECOMMENDED | TFSA | RESP | |
|---|---|---|---|
| Main purpose | Retirement | Projects and flexible savings | Children's education |
| 2026 contribution limit | $33,810 or 18% of earned income (whichever is less) | $7,000 | $50,000 lifetime per child |
| Tax-deductible contribution | |||
| Tax-sheltered growth | |||
| Taxable withdrawal | Yes, added to your income | Yes, in the student's hands | |
| Government grants | CESG 20% + QESI 10% | ||
| Unused room carries forward | |||
| Choose this option |
The long-term effect of an RRSP
Take someone whose 18% of earned income is above the annual limit. Their limit is therefore the amount set by the CRA, every year.
They don't contribute. Their room isn't lost: it adds up from one year to the next. But the money didn't work tax-sheltered during that time.
Fictional example, for illustration only. No rate of return is shown or implied. Your actual room depends on your earned income and appears on your notice of assessment. Source: Canada Revenue Agency.
