TABLE OF CONTENTS 

 

PART I: INTRODUCTION

How to use this book
Why I wrote this book
Albert Einstein knew a thing or two about investing
A BASIC overview of the Canadian tax system
What is an RRSP and how does it work?

PART II: THE STRATEGIES

1. Directed RRSPs vs. Self-Directed RRSPs
2. Parking RRSP contributions to beat the deadline
3. The basic RRSP loan
4. Two RRSP loans to reduce monthly payments
5. One large RRSP loan, use the refund to pay off high interest debt
6. You don't have to get an RRSP loan in February
7. Making regular contributions instead of using RRSP loans
8. The Home Buyer's Plan (HBP)
9. The Lifelong Learning Plan (LLP)
10. If you don't qualify for the Lifelong Learning Plan
11. Not paying back the Home Buyer's Plan or Lifelong Learning Plan
12. Increasing your RRSP contributions by reducing the taxes withheld at source
13. The RRSP Over-contribution limit - Think twice about using it!
14. When Over-Contributing can REALLY make sense
15. Two ways to kick-start your child's RRSP
16. Use your RRSP to level your income during your working life
17. Deferring RRSP deductions to high income years
18. RRSP Withdrawals and the different withholding tax rates
19. Spacing out your RRSP withdrawals to minimize withholding tax
20. "In-Kind" contributions to your RRSP
21. Holding fixed income investments inside your RRSP
22. "Swapping" interest bearing investments to your RRSP
23. Holding your mortgage inside your RRSP
24. Convert your RRSP to an Individual Pension Plan (IPP)
25. RRSP maturity options
26. One of the great debates: Save to an RRSP or pay down the mortgage first?
27. Productive uses for your RRSP refund
28. Is the RRSP the best way to save for retirement?
29. The RRSP meltdown: Two types
30. RRIF withdrawal minimums
31. Basing RRIF withdrawals on the age of a younger spouse
32. Converting to a RRIF earlier than normal
33. Spousal RRSP accounts
34. You can still contribute to a spousal RRSP after the year you turn 71
35. You can still claim unused RRSP deductions after the year you turn 71
36. Locked-in accounts
37. Unlocking Locked-in accounts
38. Naming the proper beneficiary for your RRSP
39. Unused RRSP room at death
40. An advanced leverage strategy for aggressive investors: "The Preet Principle"
41. How to get a 70%+ return on your money

 

 

 

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