Live Chat
LIVE CHAT: RRSPs
On Tuesday, February 16th, CTV Morning Live and Coast Capital are hosting a live chat on RRSPs.
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Hello. I am a canadian citizen who has been living and working in the U.S. for the last 10 years. I have recently moved to BC. I have no RRSPs but I do have a 401k. Can I transfer these funds to Canada, where I intend to retire? Currently 50 years old.
- George. -
When are you supposed to start saving for rrsp? Does it matter if you start after 30? -
is the money in an RRSP tax free? what about a TFSA? when do you pay taxes?
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what's the diff: RRSP, TFSA, high interest e-savings?
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Hello Keri and Brent! I'm 49 years old, and my RRSP savings are not as high as they should be. I'm wondering if it's worth borrowing to invest more in my RRSPs? I've been talking to friends and family and there are mixed opinions over whether or not this is a good idea. -
I own my own bakery in Langley and read an article that suggested small business owners don't necessarily need RRSPs. Can you elaborate?
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can I use RRSP savings to help fund my wedding? or can I take out the money and tell them it is for something else (home down payment)?
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My RRSPs aren't earning anything, especially in the last 2 years!!! Should I evalulate my investments? -
I am 58 and have about $110,000 in rap and rrsp. $50,000 in rrsp. I've heard that if you have no savings when you retire you receive full amount of govt help. If you are wealthy, it doesn't matter, you're home safe. What about people like myself, who have a little? Will they cut my govt help because I have a small amount.
Should I keep saving in my rrsp?
Sue Taylor -
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Hey guys, just wondering if an RRSP is a "must-have" for all Canadians? My husband and I have been investing our money in the real estate market vs. saving for retirement. We're both 39 and own home-based businesses. Current real estate holdings are our own home and 2 condos in the Lower Mainland. -
are rrsps mad up of mostly cash saving or can it be stocks?? trying to get my head around this as moved from UK england to vancouver canada. thank you
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Any tips for my parents going through a divorce? Both have individual RRSPs and a spousal RRSP?
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I have money in an RRSP, and my husband and I need to use this money to afford to buy a place. We are renting. What are the penalties? Paying the amount back in 15 years doesn't seem like an option in this housing climate.
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GOOD EVENING KERI. I'M 60 YEARS OLD AND MY HUSBAND PASSED AWAY LAST NOVEMBER. AS WE ARE GETTING TO TAX TIME I AM WONDERING ABOUT HIS RRSP AND WHAT HAPPENS TO THOSE FUNDS.
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How much do you need to retire in Canada, specifically BC? with housing prices it is hardly affordable now. thanks. -
I'm in the midst of settling some debt with a consumer proposal. Learned about the option from a CTV Morning Show segment. Are my RRSPs safe from creditors?
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Hi,
if you withdraw from your RRSPs, is the tax rate a flat rate or does it increase/decrease depending upon your income level? If it's a flat rate, what is the rate? 30%, 40%?
thanks,
Georgia -
I just found out I'll be moving to Chicago for work for the same company. I have been contributing to RRSPs. Is it going to be possible to contribute when living and working in the US? My plan will be to retire home on Vancouver Island.
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What happens if u need to take $ out of a rrsp? I've heard u pay taxes? -
oops hit send twice? how is an rrsp tax free? like what's the diff of money in my regular savings?
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Hi CTV Morning Live and Coast Capital Savings - I am turning 30 this year, and am working full-time. My salary is around 50K. I expect I'll be making more with a promotion later this year. Is this salary too low to contribute to an RRSP or even a TFSA? How much is the right amount to contribute? I loathe to cut into my vacation fund (!).
Cheers!
Mishi Sandhu -
I'm currently engaged. My fiancee has an RRSP and has been contributing for 6 years. I am thinking of setting one up for myself but started reading about spousal RRSPs? Are these a better avenue for married couples? Looking for more information. Thank you!!! -
thoughts on using RRSP loans to borrow & max my contributions? I was running some numbesr & tax return could help pay the loan? -
how do rrsps differ from a pension? I currently have a pension from my employer for over 10 yrs.
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I am a 63 old retiree on a gov't pension with no debts. Should I make an eligible 8k conritbution into my RRSP? Any advantages or disadvantages?
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I have 2 sons: 20 and 23. I would like to set up proper savings for both of them, and my wife and I were thinking about setting up RRSP accounts for each and start contributing until they are able to on their own (both are students). What are your recommendations?
Thanks, love waking up to the show each and every morning. -
Thanks for all of your RRSP questions! @Coast_Capital is signing off! ???? http://pbs.twimg.com/media/CbWiApBUkAAdUmC.jpg
by CTV Morning Live via twitter 2/16/2016 5:17:01 PM
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