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RRSP Investment Growth

February 02, 2015

Outside an RRSP or RRIF, income received from the Fund is fully taxable. On the other hand, income received within a registered account is not taxable until withdrawn. As a result, 100% of the income on your Fund Units is available to purchase additional Units through our automatic distribution reinvestment plan. Over time, the additional Units you will accumulate inside an RRSP or RRIF represents tax-free monthly compounding, and your investment will be worth substantially more than Units held in a taxable account. In essence, your money is working for you. The difference between $100,000 invested (with automatic distribution reinvestment) in Units inside an RRSP or RRIF and the same amount invested in Units in a taxable1 account over a 20-year period at a 9.4% net return (Romspen’s compound annual net return over the past 20 years) is $350,209.

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