u/mdiggityoung

Hello everyone,

Looking for some advice for my next step in diy investing. I have a maxed TFSA, a pension plan with the CCQ in quebec and the opportunity to max out the rest of my RRSP (approximately 35k) or begin a non registered account.

I am in a tax bracket that would give me a nice return spread over the next few years if I used the RRSP which i could then use to contribute to my TFSA.

The debate is whether I should save that room in the RRSP and continue accumulating contribution room for the next 14 years until retirement. The reason being is that I've read if I wanted to transfer my pension to a LIF (to manage myself) upon retirement it is possible that some of the pension would be taxable upon transfer. I could then contribute the max to the RRSP at that point to minimize taxes.

The last point is that the goal is to have approximately the same income in retiremen as i do now, does that negate any benefits between the two options.

I understand that without having the actual numbers it may be difficult to assess a winner but just wondering if anyone could provide insight, experience or suggestions on how to go about evaluating the situation.

Thanks!

Hello

I am new to index investing and while I believe the overall strategy to be sound I am having trouble deciding on asset allocation.

Has anyone noticed the economic outlook for 2026 and beyond on the vanguard website? They are recommending a 60/40 bond/equity split for the next 10 years.

Also they speak about value oriented products which i read as something like CAGE perhaps.

Does this affect anyones opinion or strategy on veqt?

I have a 10 to 15 year timeline until retirement and from what I am reading that should be good for an all equity portfolio but I would love to hear from people who are potentially in the same situation and have been investing with an index strategy for many years.

Thanks!