FAQ – Savings and investment – LIRAs and locked-in RSPs

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The answer depends on your personal situation but generally, it is better to convert it as late as possible.

You may be able to delay the conversion of your LIRA or Locked-In RSP if you have sufficient income. Your income may come from a variety of sources:

  • benefits from a company pension plan
  • public annuities
  • non-registered savings
  • personal income (from, for example, a rental unit or investments)

If you use your other sources of income first, your money can continue to grow tax-free.

However, if you find you need additional cash to pad your budget, you can always move up your LIRA or Locked-In RSP conversion deadline. Then you may convert it in whole or in part into retirement income.

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