帮人问个问题：有闲钱是买RRSP合适，还是还Mortgage合适？

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如题。

多谢！

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真快呀！

能说说为什么吗？

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多谢各位！

我的这个朋友是属于那种对投资呀，理财呀，一窍不通的人。所以即使她买了RRSP也不会用它做任何投资，也就是在那个帐户里放着罢了。安全第一，这样也会如你所说的可能会赔吗？

正如 ca416371 所说的，RRSP的退税很可观，很吸引人。对于一个不会用RRSP去做任何投资的人来说，有了闲钱，是买RRSP以赚取可观的退税更合适呢，还是用它快还些 Mortgage 以少付些也很可观的利息更合适呢？

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一晚上没上来已经有这么多热心朋友回复了！多谢大家了！

这个朋友一个人带着7岁的孩子在加，丈夫在国内。她个人年薪4万多不到5万。Mortgage还剩10万多。每月供款额是1000刀，5年浮动，现利率是3.5，大约9年供完。从来没买过RRSP，RESP之类。

她这种情况，是该优先买RRSP，还是该先还些Mortgage?

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多谢各位！欢迎大家正反两方继续讨论！

ca416371，谢谢你！我已经把她的个案情况贴出来了，你有什么高招能帮她“把mortgage尽早还完，每个月的还款额却并不增加”可以尽管讲出来了。虽然那可能不是下之四海而皆准的，但最起码让大家从这个个案中得到点启示了。

作者: ca416371

如果想知道怎么样可以把mortgage尽早还完，每个月的还款额却并不增加的话，可以通过内部话题和我联系，谢谢！

作者: ca416371

因为每个不同的案例需要的方法是不一样的，需要根据情况个案个办。就象不同的人得了感冒，可能有的要打青霉素，有的最好给点其他的药一样，所以无法发布、共享，抱歉！

有兴趣的请通过内部话题同我联系，谢谢！

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ca416371 got the topic right. The topic is not about making a decision between investing your savings in real estate and RRSP. She already owns a house.

I've already sent your posts to my friend, who is now in China. She said she learned a lot from reading them. Me, too. We really appreciate your help.

It seems as if answering this question is really not as easy as we expected. Actually paying off your mortgage in a shorter period of time is not MUCH better than buying RRSP and vice versa, especially for those who know almost nothing about investing and financing. But if you can get ca416371's good strategy, that will be another story. Or just like 老杨, 游夫, bank, citrine, and ca416371 suggested that "should have a better balance between paying off mortgage in a more reasonable time frame while enjoy getting back some of the tax payed to the government" , which means buying RRSP in full first, then use the rest of the money and the tax refund to pay the mortgage. May I conclude that?

作者: ca416371

countryside:

You may have some misunderstanding on what the topic is here. The topic is if we should pay-off the mortgage in a faster rate while ignoring other financial tools like using RRSP to reduce tax, or we should have a better balance between paying off mortgage in a more reasonable time frame while enjoy getting back some of the tax payed to the government.

You mentioned that 85% dealers of RRSP don't buy RRSP. May I know where is this data coming from?

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There must be a catch somewhere.