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Finance: The ABCs Of RRSPs

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By Don Reed

(NC)- Saving for your retirement does not need to be complicated. Keep it simple by following the ABCs of RRSPs:

Acknowledge:

Start thinking about your retirement.
Remember it's never too late to start contributing to your RRSP.
If you don't have an investment advisor, get one. Find out how online at www.franklintempleton.ca.

Build:

Develop a retirement plan with your advisor and stick to it.
Determine your RRSP contribution room to maximize your savings potential and reduce your personal income tax.
Diversify your portfolio by asset class, geographical region, investment style and market capitalization.

Carry out:

Ignore short term market volatility and think long term. Do not lose sight of your financial goals.
Meet annually with your advisor to review your RRSP.

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