RRSP是否该做零风险的投资(Should I take on zero risk in my RRSP)?
定期存款、MMF基金等低利率投资尽管投资风险低,但其扣除通货膨胀后的回报也十分之低。也即其投资风险是低,但你承担通货膨胀风险的能力也十分脆弱了,从而并不能更保障你退休后的收入稳定。一般来说,由于RRSP通常是长线投资,应做些承担风险的投资。(Taking no investment risk at all will leave you vulnerable to inflation risk and thus not safeguard your future financial security. Including some equity investments will help you stay ahead of inflation).