I am doing the self-dirct RSP. When I bought the CPB(Canadian Premium Bond), I would like to put it under the RSP so that it would be tax-defferable. However, I need to provide RSP plan number. I checked my T4-RSP slip of last year, but I could only find an account number which the Government doesn't recogonize it as a RSP plan number.
My question is: where can I get that number and make my investment tax-deferrable?
一般來講,RSP是你付一定額度,雇主給你補貼相同的額度,如果你在該公司受雇2年以上,雇主給你的補貼部分的所有權就歸你了,你離開該公司時可以帶走。
[color=red:07d841bafa]但是,你的RSP會占用你的RRSP額度。[/color:07d841bafa]因此,如果公司不給你補貼,買RSP沒有什麼太大意義,可能還會多花手續費,不如直接買RRSP。