This is a good time to think about long-term investment savings and planning by taking advantage of the opportunities in the Tax Free Savings Accounts (TFSA) and Registered Retirement Savings Plans (RRSP).


  • Neither income earned within a TFSA nor withdrawals from it will affect eligibility for federal tax credits or income-tested benefits, such as Old Age Security.
  • Up to $6,000.00 can be invested in your TFSA this year.
  • The current lifetime contribution limit is $63,500 per person as of January 2019
  • There is no deadline for contributions and savings can grow and be withdrawn any time tax-free.
  • Eligible investments include GICs, bonds, exchange traded funds, mutual funds, stocks.
  • Can be used as an emergency savings account for big expenditures like a car or home.


  • Your contribution limit for the current year is listed on your Notice of Assessment from the Canada Revenue Agency for the previous year.
  • The RRSP contribution limit is equal to 18% of earned income in the previous year minus an individual’s pension adjustment, up to an annual limit.
  • Eligible investments include GICs, bonds, exchange traded funds, mutual funds and stocks.
  • The deadline for the 2019 RRSP contributions is March 2, 2020.

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