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What you need to know about Canada Pension if you stayed home to raise children

Taking time off work to care for your child often means leaving the work force, or working fewer hours. If you do so, you will naturally have less contributions toward your Canada Pension plan than if you worked full time and contributed fully into CPP during those same years. For the stay at home parent, this may lead to a lower CPP pension payment in retirement.

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To RRSP or not to RRSP?

Should I put money into my RRSP or not? Would my money be better off somewhere else, or is an RRSP my best option? These are questions many Canadians ask themselves as the RRSP season rolls around each year.

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