Retirement and Registered Accounts

Registered-account terminology matters because the tax treatment depends on the account type, contribution rules, and how withdrawals are handled.

Use This Section When

• the question is about RRSPs, TFSAs, FHSAs, or RRIFs rather than ordinary income
• you are comparing deduction-stage planning with tax-free growth or qualifying withdrawals
• a registered-account term affects filing, contribution room, conversion, or withdrawals

Start Here

• RRSP
• RRSP Deduction Limit
• TFSA
• FHSA
• RRIF
• RRSP Deduction

What Belongs Here

This section covers Canadian registered-account language where contribution room, deduction treatment, tax-free growth, qualifying withdrawal rules, or retirement-income treatment materially changes the tax result. It sits between the general investment pages and the deduction pages because registered accounts affect both ongoing tax treatment and filing outcomes.

Related Sections

• Deductions
• Investment and Capital Gains

In this section

• FHSA
  First Home Savings Accounts combine deductible contributions with tax-free qualifying withdrawals for an eligible first home.
• RRIF
  Registered Retirement Income Funds hold registered savings after the contribution stage and pay out generally taxable retirement income.
• RRSP
  Registered Retirement Savings Plans combine deductible contributions with tax-deferred growth and generally taxable withdrawals.
• RRSP Deduction Limit
  The RRSP deduction limit is the maximum RRSP contribution amount a taxpayer may deduct for the year.
• TFSA
  Tax-Free Savings Accounts allow eligible growth and qualifying withdrawals without the up-front deduction model used by RRSPs.