• Start early: When is early enough? Well, today would be a good time.
  • Start small if you must: Even if money is tight, small amounts make a big difference given enough time, the right investment mix and the tax-deferred environment of an RRSP.
  • Pay yourself first: Set aside a fixed dollar amount or percentage of your pay cheque every month. That way you pay yourself first which gives you a better chance of building your savings.
  • Maximize your contributions: Put away as much as you can each year. The earnings on your contributions will enjoy tax-deferred compound growth for years to come. And you can hang onto your RRSP tax deduction to use when it’ll provide the maximum tax break. First just check if RRSPs are a better financial solution than TFSAs for your situation.


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