Does financial literacy affect the timing of contributions to and withdrawals from registered retirement savings plans?

February 25, 2022, 2:00 p.m. (EST)
An older couple looking at a laptop and a piece of paper while sitting at a table.

It’s that time of the year again—income tax season! And every year, many taxpayers have the same questions: Should I contribute to a registered retirement savings plan (RRSP) to save for retirement? Is it really worth it to put my savings into an RRSP, or should I invest my money elsewhere?

But one question we don’t hear as often is about withdrawing early from an RRSP, given that the whole purpose of this plan is to save money.

Who seems to have a better understanding of the tax implications of withdrawing money from an RRSP before retirement?

Statistics Canada delves into this topic in an article that was recently published in Economic and Social Reports.

Contact information

For more information, contact the Statistical Information Service (toll-free 1-800-263-1136514-283-8300infostats@statcan.gc.ca) or Media Relations (statcan.mediahotline-ligneinfomedias.statcan@statcan.gc.ca).