RRSP和RRIF投资有哪些选择What are investment options for RRSP or RRIF?
RRSP和RRIF主要投资方向选择有互惠基金、分离基金和定期存款。每个人的RRSP允许持有30%的外国成分,可尽量充分利用该成分,因为加拿大的证券市场份额毕竟仅占世界总额的3%-5%,且分散投资不同的市场可以降低投资风险。
许多环球或国外成分的基金都有专供RRSP的版本。此外,RRSP投资的资产类别(Asset Allocation)应多元化(Diversified),这样可降低投资风险。
RRSPs and RRIFs can be invested in a wide variety of investments such as mutual funds, segregated funds, and term deposits when contributing to an RRSP. Up to 30% of your plan at cost, can be invested in foreign assets.