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Working in the investment industry, I sometimes forget how some things I take for granted are not always obvious to people outside it or who don’t have a lot of investment knowledge. For example, sometimes a Canadian investor would tell me something along the lines of “I’m invested in an RRSP at 2%”, followed usually by some variation of “What do you think?”. It takes me a few seconds to realize what they are talking about. What is revealing and annoying is that a lot of Canadians don’t realise they have choices when it comes to their Registered Retirement Savings Plans (RRSPs). I want to take the time to debunk this a little and show what alternatives there are compared to what is typically