{"id":1224,"date":"2021-02-05T11:50:20","date_gmt":"2021-02-05T16:50:20","guid":{"rendered":"https:\/\/fortax.ca\/?p=1224"},"modified":"2021-02-05T11:50:20","modified_gmt":"2021-02-05T16:50:20","slug":"how-to-know-if-an-rrsp-isnt-right-for-you","status":"publish","type":"post","link":"https:\/\/evolvethought.com\/fortax\/2021\/02\/05\/how-to-know-if-an-rrsp-isnt-right-for-you\/","title":{"rendered":"How to Know if an RRSP Isn\u2019t Right For You"},"content":{"rendered":"<style>\n.page-title-inner {display: none;}\n.entry-header-text-top {display: none;}\ndiv#comments {display: none;}\n.entry-author {display:none;}\nfooter.entry-meta {display: none;}\n.subul {margin:0;list-style:revert;}\n<\/style>\n<h1>How to Know if an RRSP Isn\u2019t Right For You<\/h1>\n<p>March 1st is fast approaching: that\u2019s the deadline to pay into your RRSP, reap the tax credit, lower your 2020 tax bill, and hopefully get a nice refund. It all sounds great; but a good financial strategy needs to include your current situation and any future tax issues. As you plan for retirement, here are three points to consider.<\/p>\n<p><strong>1. Take a Look at Your Debt Load<\/strong><br \/>\nIf you have credit card debt, you\u2019re paying about 20% a year in interest. Consider tackling this and other cash drains before investing in an RRSP.<\/p>\n<p>Ditto for a hefty mortgage. Interest rates are projected to rise shortly. Paying down your mortgage and reducing your carrying costs might be better for your budget.<\/p>\n<p><strong>2. If You\u2019re Young or Have a Modest Income<\/strong><br \/>\nAt the start  of  your  career,  you\u2019ll  likely  have  a  lower  income  than  in  the future. You can  max  out  your  Tax-Free  Saving  Account  (TFSA), where all your withdrawals will be completely tax free. Or pay down costly debt. Save the RRSP tax deductions for when you fall into a higher tax bracket.<\/p>\n<p>This is the same if your income is modest. Take a look at the TFSA instead.<\/p>\n<p><strong>3. Consider Your Retirement Tax Bill<\/strong><br \/>\nWith an RRSP, you postpone paying the tax until you take money out in retirement. The expectation is that your income will be more modest, you will be in a lower tax bracket, and you\u2019ll pay less tax.<\/p>\n<p>What if your income is expected to be the same? Or even higher than it is now? Ask your Financial Advisor for help projecting what you expect to live on.<\/p>\n<p>Will you have a robust pension, an inheritance, or income from other investments? If you anticipate your tax rate to be just as high in retirement, then an RRSP may not work for you. Plan a financial strategy to leverage other investment and tax opportunities.<\/p>\n<p>Also take into consideration that, with a high income in retirement, the money you are required to withdraw from your RRSP (starting at age 71) could result in a clawback of your <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp\/old-age-security.html\" rel=\"noopener noreferrer\" target=\"_blank\">Old Age Security<\/a> and other government benefits.<\/p>\n<p>Determine if an RRSP is right for you with good financial planning. Ask your Financial Advisor to show you how to save more tax and maximize your wealth.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>How to Know if an RRSP Isn\u2019t Right For You March 1st is fast approaching: that\u2019s the deadline to pay into your RRSP, reap the tax credit, lower your 2020 tax bill, and hopefully get a nice refund. It all sounds great; but a good financial strategy needs to include your current situation and any&#8230;<\/p>\n","protected":false},"author":1,"featured_media":1225,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"footnotes":""},"categories":[72],"tags":[],"class_list":["post-1224","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fortax-blog"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.8 - aioseo.com -->\n\t<meta name=\"description\" content=\"How to Know if an RRSP Isn\u2019t Right For You March 1st is fast approaching: that\u2019s the deadline to pay into your RRSP, reap the tax credit, lower your 2020 tax bill, and hopefully get a nice refund. 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