the registered retirement savings plan at the Canadian government designed is the biggest scam imaginable. they have told you that you're going to get a tax break if you contribute to your own retirement plan and then they tax you up to 48% after you withdrawed at a future date. they should all be in prison for what they have done but that is okay because I can get you back 100% of your rrsp taxes that the bank or your financial institution will steal from you when you cash in your own plan and try to take home your own money. get a hold of me today on my website Www.kevinjjohnston.com