RRSP
It's RRSP season again and if you haven't started an RRSP or have not fully utilized your RRSP, you better start now. As you may or may not know, the only way you can have a significant amount of retirement money is time. The longer your money is invested, the more time the magic of compounding will work for you. If your employer matches your contribution, use the maximum you can get. Nowhere else are you going to get a free return on your investment guaranteed. If you don't have enough money, look into getting an RRSP loan. Use it to fund your RRSP and when you get a refund, use the refund to pay off the loan. It's one of the cheapest way to fund your RRSP. Most companies are offering Prime rates (6%) for RRSP loans; some even offer Prime - 1%. Check with your adviser to see where you can get the best rate.