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Early retirement. More leisure time. A second career. Whether you're close to retirement or years away, a sound wealth management plan involves disciplined investing.

Take advantage of your contribution room

Taking control of retirement assets begins with early planning. Because retirement assets that accumulate in a Retirement Savings Plan (RRSP) grow on a tax-deferred basis, all of the earnings – growth dividends, capital gains and interest – are added to the investment for future compounding. The earlier you begin saving, the larger the total amount can grow to.

Understanding your RRSP maturity options

After having worked and accumulated assets throughout your career, you may now have a limited time-frame to make a number of irrevocable decisions that focus on what you will do with your retirement money. Regular paycheques from your employer will cease and need to be replaced by paycheques you pay to yourself from the assets you have accumulated during your working years.

Enjoying life after work

After you've made decisions regarding which RRSP maturity options best suit your needs while in retirement, you'll face additional decisions. During retirement, your needs shift from accumulating wealth to making sure it lasts and ensuring that your investing strategy and portfolio are aligned with the realities of your lifestyle.

The information contained herein is considered accurate at the time of posting. CIBC, CIBC World Markets Inc. and CIBC Investor Services Inc. reserve the right to change any of it without prior notice. It is for general information purposes only. Clients are advised to seek advice regarding their particular circumstances from their personal tax advisors.

CIBC Investor's Edge is the discount brokerage division of CIBC Investor Services Inc., member of the Canadian Investor Protection Fund. CIBC Investor Services Inc. does not provide you with any legal, tax, or accounting advice or advice regarding the suitability or profitability of a security or investment in a CIBC Investor's Edge account. You assume full responsibility for transactions in your CIBC Investor's Edge account and for your investment decisions.

The information on this Web site is general only; it is not intended as specific investment, financial, accounting, legal or tax advice for any individual, and you should not rely on it as such.

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