A Registered Retirement Savings Plan (RRSP) is a retirement saving and investing vehicle for employees and the self-employed in Canada. Pre-tax money is placed into an RRSP and grows tax-free until withdrawal, at which time it is taxed at the marginal rate.
Several types of investment and investment accounts are permitted in RRSPs. They include:
• Mutual funds
• Exchange-traded funds
• Savings accounts
• Mortgage loans
• Income trusts
• Guaranteed investment certificates
• Foreign currency
• Labour-sponsored funds
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