Ever since tax-free savings accounts (TFSAs) were introduced, there has been a debate about which is the best for retirement investments – TFSAs or RRSPs?

To fully understand this debate, you need to consider your tax rates before and after retirement, including the clawbacks on seniors. I have seen no other articles anywhere that properly address this critical issue.

This article was written for The TaxLetter, a subscription newsletter for accountants and tax specialists.

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