Given it is that time of the year again, you are looking at your RRSPs, so maybe it is time to rebalance those accounts? Especially if they are Index Funds.
It is that time of the year where the argument about RRSP or TFSA starts. How about RRSP then TFSA as a possible solution? If you can do both without incurring debt, you are doing quite well.
When you talk to an investment person, do you feel like you are at an RRSP Bingo game? I have a card to help you out at these meetings.
Remembering that an RRSP is simply a tax deferral program, plan on moving that RRSP to TFSA in terms of the tax refund at least.
Are pensions and spousal RRSPs natural financial enemies of each other, or do they compliment your retirement plan perfectly ?