Did you know that you can invest your RRSP in to Mortgages? Registered Retirement Savings Plans (RRSP’s) CAN be invested in to Mortgages. I'd say that 99% of the people that I ask if they know that they can invest their RRSP in to other investment vehicles such as mortgages, haven't got a clue that this is possible.
Most people are familiar with the "standard way" of investing an RRSP, which is to give your money to the Bank or some other professional money manager. These professional money managers typically invest your RRSP money into a mutual fund, a money market fund, a bond fund, a guaranteed investment certificate (GIC) or perhaps the stock market.
RRSP's can actually be invested in more than just mortgages. Your RRSP can also be invested in to Businesses (either your own or someone else's) as well.
Why would you invest your RRSP in to a Mortgage instead of say the stock market? Well the words predictability, stability, higher guaranteed returns, fully secured by real estate all come to mind.
Sometimes the stock market can go up and down like a toilet seat. It’s feast or famine. Great if you’re a 20 something year old with nothing but time on your hands, high variability can often come with high returns. But if you are closing in on the time when you want to retire OR you just want to guarantee that your return on your investment is positive every year (instead of positive this year negative next year, etc., etc., etc.) then investing in mortgages may just be for you. 
When you invest in mortgages you can actually have an investment that is backed by real estate. Imagine that… an investment that is actually backed by something tangible and not just a piece of paper!
My clients and I offer a 10% Return on Investment to people that lend us mortgage money through their RRSP’s. Now 10% return on your investment is not earth shattering, but it is certainly decent enough to perhaps reconsider investing even a portion of your RRSP into.
If you have RRSP money that is not giving you a return that you are happy with, please feel free to call me at 204-667-7653 and we can discuss possible options for your investment.
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