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A Registered Retirement Savings Plan (RRSP) is an investment account that is registered with the Canada Revenue Agency (CRA) and allows you to save money on a tax-deferred basis until you retire – a tax-efficient way to build your retirement savings. Contributions made to an RRSP are tax-deductible and directly reduce your taxable income while any growth on your assets in the account are tax sheltered until withdrawn. The plan can hold a variety of investments including: GICs, mutual funds, stocks, bonds and ETFs.

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