• Articles of General Interest
• Retirement Planning
• RRIF (Registered Retirement Income Fund)
• RRSP (Registered Retirement Savings Plan)
   

Articles of General Interest
 

• Be sure to name beneficiaries
  Q: My partner and I have been together for four years. We recently had our wills prepared. We have left each other an amount of money out of our respective RRSPs. If my RRSPs are with a major financial institution and are left to estate as the beneficiary, will my partner still be able to get his amount tax free?
  
  
• A Retirement Savings Glossary
  When you retire, your income will likely stem from various sources, including government programs, private pension plans, and personal RRSPs. This article describes these sources.

• A Supplemental Pension Plan Glossary
  Definition of various group retirement-savings terms: defined contribution plan, deferred profit-sharing plan, vested benefits, pension adjustment, etc.
   

Retirement Planning
 

• Discipline is Key
  WITH all the bills we have to pay, it's sometimes difficult to put money into our registered retirement savings plan. (Source: The Winnipeg Free Press)

• Women, Their Careers, and Retirement
  To help you determine your retirement-savings needs, here are the answers to five essential questions.

• How Much Retirement Savings is "Enough"?
  DFS's Retirement Calculator stands out from other similar tools by taking account of return potentials and financial risks, thus providing investors with a more realistic picture.

• Worried About the Economy? Why Not Rethink Your Retirement Savings Plan?
  Worried about the economy? This is the perfect time to review your retirement plan (if you have one), or set one up (if you haven't done so yet). Here are a few helpful hints in this regard.

• What will Become of Your Employer-Sponsored Pension Plan?
  Employees who leave a company must decide what to do about the employer-sponsored pension plan to which they were contributing. Here are some of the options available.
   

RRIF

• When is the Right Time to Convert your RRSP into a RRIF?
  When should you convert your RRSP into retirement income? That decision will depend on your age and cash requirements. 
   

RRSP
 

• Protect your RRSP with insurance
  Advertising and media attention for Registered Retirement Savings Plans (RRSPs) hits a fever pitch during the months of January and February.

• Even you could be an RRSP millionaire
  For a few weeks now, I have written about how much money a person needs in order to retire. The figure of $1 million has been suggested and disputed by a number of readers. (Source: The Winnipeg Free Press)

• Are RRSPs Only for Retirement? Certainly Not!
  Besides being a key factor in retirement planning, RRSPs can be useful in different ways at every stage of life.

• Five RRSP Tips for Canadians
  Here are five general hot tips that, subject to market conditions and personal situation, can be used to increase RRSP savings.

• Glossary of RRSP-Eligible Investments
  Definitions of various investments that can be used for RRSP purposes: mutual funds, segregated funds, and so on.

• HBP Reimbursement or RRSP Contribution?
  When it comes to making reimbursements under the Home Buyers' Plan, is it better to repay the funds you withdrew from your RRSP as soon as possible, or make the most of the full reimbursement period to which you are entitled, i.e., 15 years?

• RRSPs: Quite the Impact on Your Tax Bill! 
  Did you know that, in addition to reducing your taxable income, RRSP contributions may entitle you to other tax benefits?

• Benefits of Universal Life vs. RRSPs 
  If you're already making your maximum contribution to an RRSP, Universal Life Insurance is another good way to shelter your savings while maintaining access to equity markets.
   

• When is the Right Time to Convert your RRSP into a RRIF?
  When should you convert your RRSP into retirement income? That decision will depend on your age and cash requirements.
   

• Putting Your Investment Portfolio in Order
  What better way to start the year off than by putting your portfolio in order! Here are some resolutions that will turn you into a savvy investor.