There is no doubt that 2008 will be remembered as one of the most remarkable years in the history of the global stock market (and not in a good way). Events have occurred that almost nobody could have predicted, although many seem obvious in hindsight. However, we must move forward. We can't dwell in the past-we have to learn from it. So what can we find out from the previous downturns? Let's tak...

It's easy to get distracted when saving for a far-off goal like retirement. But an RRSP offers many rewards, so it's critical to stay focused and make the best use of this unique opportunity each year. Earning a tax deduction is one good reason for contributing to an RRSP each year. But even more compelling is the tax-sheltered growth of your investments over what could be many years. It's this t...

Death of a Plan Holder In the event of death, the proceeds of your RRSP are distributed to whoever was named as your beneficiary, or to your estate if no beneficiary has been designated. This designation can be specified in either your RRSP or in your will. Quebec residents must make the designation by will or marriage contract for most plans. The proceeds of the RRSP will remain fully or parti...