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  • a business man
    February 11, 2013 - 11:26

    Personally, I use both the TSFA and RRSP. As long as we live in a society in which certain people are allowed to take more from the government than they put it, most of us will be best served by exhausting every legitimate tax avoidance to the fullest. I even borrow money to put in the RRSP to lower my income tax. With the interest rates so low, it can be profitable to borrow to invest. As long as you end up paying less tax (while factoring in the interest) it will be beneficial. At the end of the day, both the TSFA and the RRSP are great ways of keeping your own money in your own pocket. After all, I doubt may of us get up every day to make money for strangers....we do it for our own families, and the TSFA and the RRSP can allow you to have more for your family.