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RRSP Loans

Borrowing money to invest in an RRSP has many advantages. Besides the immediate tax refund, you also can:

  • Increase the amount you have to invest
  • Take advantage of tax-sheltered compounding
  • Boost your investment returns
  • Achieve your long-term financial goals more quickly
  • Build a larger and more diversified retirement portfolio

An RRSP Loan may be suitable if you:

  • Want to make a contribution now but don’t have the funds available
  • Want to take advantage of your unused RRSP contribution room
  • Are now in a higher marginal tax bracket than last year

RRSP Loans come with the following features:

  • Low interest rate
  • Flexible repayment option (up to 10 years)
  • Deferred payments (up to 90 days)
  • No early repayment penalty
While borrowing to invest can be a powerful means to build wealth, the risks involved make it a strategy that is not suitable for everyone. Leveraging magnifies gains or losses.

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Maximize Your RRSP Return Through Asset Location
Maximize Your RRSP Return Through Asset Location

Maximize Your RRSP Return Through Asset Location

active vs passive investing your best bet
Active vs. Passive Investing: Your Best Bet

Active vs. Passive Investing: Your Best Bet

05 2025 1
The Magic Ingredient Behind Wealth (It’s Not What You Think)

The Magic Ingredient Behind Wealth (It’s Not What You Think)