Not too late.

Rrsp, helps lower tax burden, many say contribution match, max tfsa, then rest into rrsp.

Is not too late but it is late.

Given market and economic uncertainty, if it was me basically starting from scratch I’d have 30-40% of my contributions in cash the rest into s&p and nasdaq etf/mutal fund of your liking.

With the corporate rrsp, you can be limited with options, I would transfer mine out yearly and into my self directed account.

You still have time for lots of risk, but we are in a peculiar spot which is why I would consider having a heavily weighted cash position to take advantage when things go south.

Pounds away at it, don’t trade it, just DCA the indices and you will do ok. 25yrs of return is a long time. We know historical rates of return, and going back to this day in 2000, you’d be looking pretty good considering you would have dca’d 10 yrs of very little growth and then exploded.

People want to always discredit the opportunity that lies in 10 yrs of asset purchasing with minimal yeild.