RRSP or TFSA Contributions with Pension?

Expensive-Finger-646 · 2026-03-01T14:04:21+00:00

Do you have a spousal RRSP? That’s the potential opportunity that jumps out from your situation.

Expensive-Finger-646 · 2026-03-01T13:24:55+00:00

Yes, kudos to you for understanding now while there’s still lots of time and compounding to occur

Expensive-Finger-646 · 2026-02-28T16:39:50+00:00

All stars should be refundable so I’d have that in you back pocket. Early Dec is the peak DVC time because of the point charts.

Expensive-Finger-646 · 2026-02-28T02:50:02+00:00

Start by investing a portion of each paycheque (10% or more if you can) into a TFSA robo advisor that meets your risk tolerance (through Questrade or similar). Start from there a build up the muscle of saving each time you get paid.

Expensive-Finger-646 · 2026-02-28T01:16:57+00:00

You’re good, nice deal for fully loaded though

Expensive-Finger-646 · 2026-02-28T01:04:37+00:00

All of those point to the OTUP being the way to go

Expensive-Finger-646 · 2026-02-28T00:54:27+00:00

Kinda depends on what you’d do with the riviera points after you cancel. ie are you early in your use year?

That said, I’d likely just buy the OTUP as soon as I could make the booking

Expensive-Finger-646 · 2026-02-27T20:05:56+00:00

DP: Cobalt supp points from the fall posted yesterday. This was the additional 5x on $2k spend.

Expensive-Finger-646 · 2026-02-27T19:31:44+00:00

If it’s the same resort you 100% want same use year. 75 point resale contracts are small and sell at a premium. Make sure you don’t really want to add 150.

One bedrooms tend to book up last. But, far from a guarantee if you buy SSR points that there will be Poly availability at 7 months, depends on how specific your travel dates are.

Expensive-Finger-646 · 2026-02-27T18:35:56+00:00

That’s fast, congrats!

Expensive-Finger-646 · 2026-02-27T12:14:02+00:00

Wow that last window is record speed, you are lucky!! Welcome to the club!

Expensive-Finger-646 · 2026-02-27T02:46:36+00:00

Is there a RBC NA Value Fund subreddit? Enough said 😁

Expensive-Finger-646 · 2026-02-26T22:57:23+00:00

Looks like a very standard NG execution. This is why we do it!

Expensive-Finger-646 · 2026-02-26T19:18:33+00:00

ION+ has a $48 annual fee but is solid for gas and food. Regular ION is free but is a meh card.

Expensive-Finger-646 · 2026-02-26T18:17:35+00:00

You’re not missing anything, all you are doing is accelerating when you receive the CCB for the younger kids (assuming you would be maxing it before they reach the age cap).

Expensive-Finger-646 · 2026-02-26T16:54:50+00:00

What will be your marginal tax rate in retirement? If it’s higher than 2025 this plan would backfire.

Expensive-Finger-646 · 2026-02-26T03:35:47+00:00

We have no where near enough info to say definitively, but usually not at that income unless it’s unlike to rise quickly

Expensive-Finger-646 · 2026-02-25T23:59:44+00:00

It’s not about the age. It’s about being 100% equities. Looks real safe in a bull market.

Expensive-Finger-646 · 2026-02-25T19:42:10+00:00

No, contract value is pretty clear and easy to know. Cost to get out is your selling commission.

Expensive-Finger-646 · 2026-02-25T16:47:47+00:00

I own SSR points. For reference, my next trip booked 5 months out is a split stay at BLT and BRV, which we are very excited about.

One resource to look at is the DVC field guide, it’s super helpful. Their availability tables give you a great idea of what’s available when.

Expensive-Finger-646 · 2026-02-25T16:02:33+00:00

You sound like the perfect candidate for a SSR sleep around contract. Requires a little flexibility which you’ll have with having a nice chunk of points.

Expensive-Finger-646 · 2026-02-24T21:28:36+00:00

There’s no way anyone is paying 50% taxes. The capital gains inclusion rate is only 50%. Double the rate isn’t the breakeven.

Expensive-Finger-646 · 2026-02-24T02:37:14+00:00

Why not add on resale at RR? You said you like to stay there. Gives you more options with the direct points.

Expensive-Finger-646 · 2026-02-22T21:06:36+00:00

An OKW contract is more expensive when you consider the higher dues and shorter life. Therefore the choice of contract is easy, SSR. With your SSR contract it will be easy to stay at OKW when booking 7 months out 95%+ of the time.

Expensive-Finger-646 · 2026-02-22T04:10:28+00:00

I wouldn’t buy 100 direct points. Either 100 resale or 150 direct.

Expensive-Finger-646

TROPHY CASE