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Locked-in retirement plans not easy to break

Provincial regulations vary across Canada When you leave an employer, any pension money in a registered plan will be transferred to a Locked-In Retirement Account (LIRA), or Locked-In Retirement Savings Plan (LRSP). Those funds are “locked in” and not available for...


Mortgaging your retirement?

Locked-in retirement plans can hold a mortgage…but should they? If you roll over your pension into a self-directed locked-in retirement savings plan, you can invest the funds in pretty much the same qualified investments as in an RRSP. In some provinces, the list...

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