Now we want to think OUTSIDE the box (aka RRSP).

What should we keep outside of the RRSP or Tax Deferred Shelter?

Well, after you maximize your RRSP’s and TFSA, then you can keep investments in the “spillage”

Basically you want investments that are the least “taxing” to you, to keep outside of an RRSP.

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So what should one hold in the RRSP?  I have heard some people say that an RRSP should be “safe” and should have more low risk investments held in them (e.g. think GIC’s), some people say more growth-geared investments because it grows tax deferred.

From what I have learned, I would say that looking at how investments are taxed would be a good starting point.

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