Important RRSP Information and Dates

RRSP OFFICIAL RECEIPTS

Contributions made March 2, 2018 to January 5, 2019 will be mailed by February 18, 2019.
Contributions made January 6, 2018 to March 1, 2019 will be mailed on a weekly basis by March 12, 2019.

Any RRSP contributions made from January 1, 2019 to March 1, 2019 can be used (in part or all) on your 2018 or 2019 tax returns.

INCOME TAX SLIPS

T5 income tax slips will be mailed by February 28, 2019.
2018 T4RSP and T4RIF income tax slips will be mailed by February 28, 2019.

Entegra also offers e-Documents. In addition to the mailed tax slip, you can also view your tax slips online by February 20, 2019. Simply:

  1. Log in to online banking
  2. Under My Accounts, select view e-Documents.

Note - Only the Primary member listed on the printed slip will be able to view the e-Document through online banking. 

2018 MAXIMUM CONTRIBUTIONS

Call Canada Revenue Agency at 1.800.267.6999
Visit http://cra-arc.gc.ca/esrvc-srvce/tps/menu-eng.html

To access your information you will need your Social Insurance Number, date of birth, and your last year’s tax return.

If you do not participate in a pension plan, the maximum 2018 RRSP contribution limit is calculated as the lesser of 18% of your 2017 income, or $26,230, plus any unused contribution room to the end of 2018.

If you participate in a pension plan through work, the maximum 2018 RRSP contribution room is calculated as the lesser of 18% of your 2017 income, or $26,230, less 2017 pension adjustments, plus any pension adjustment reversals, for 2018, plus any unused RRSP contribution room to the end of 2018.

Unused Contribution Limits - If you contribute less to an RRSP than the contribution limit, the shortfall is referred to as “unused RRSP deduction room” and can be carried forward to increase the contribution limit for future years. Any unused RRSP contribution room will be lost by the end of the year in which you turn 71, unless it is to purchase a spousal/CLP RRSP and your spouse/CLP is less than 71 years of age.

Spousal RRSP - A great way of income splitting at retirement is to purchase RRSPs for your lower income earning spouse/CLP. Spousal/CLP RRSPs allow the higher income earner to purchase RRSPs for their spouse/CLP. The higher income earner then claims the deductions and when it comes time to withdraw from the RRSPs, the lower income earner claims the withdrawals as income.

 

Find Branch/ATM

Enter address, postal code or branch name

Calculators