What most people don’t realize is this:
👉 Your RRSP or TFSA isn’t an investment — it’s a tax shelter.
What you put inside it determines your real return.
That’s why more investors are using their registered funds to invest in Mortgage Investment Corporations (MICs) like Lendworth Mortgage Investment Corporation, targeting 8–10% annual returns backed by real estate.
Let’s break it down — simply and clearly.
What Is an RRSP? (And Why It’s So Powerful)
An RRSP (Registered Retirement Savings Plan) is a tax-deferred account designed to help Canadians save for retirement.
Key RRSP Benefits:
Contributions are tax-deductible
Investments grow tax-deferred
Taxes are paid later, usually at a lower retirement tax rate
💡 Example:
Contribute $50,000 to your RRSP → reduce your taxable income today → invest those funds for long-term growth.
But here’s the catch:
If your RRSP is sitting in low-yield GICs or underperforming funds, you’re wasting the tax advantage.
What Is a TFSA? (And Why It’s Even Better for Cash Flow)
A TFSA (Tax-Free Savings Account) works differently — and for many investors, it’s even more powerful.
Key TFSA Benefits:
Contributions are not deductible
Investment growth is 100% tax-free
Withdrawals are tax-free
No impact on government benefits
💡 Translation:
Earn $9,000 per year inside a TFSA → you keep every dollar.
This makes TFSAs ideal for income-generating investments, not just savings.
The Common Mistake Canadians Make
Most people use RRSPs and TFSAs like parking accounts:
GICs
Big-bank mutual funds
Low-yield ETFs
These may feel “safe,” but after inflation and fees, real returns are often minimal.
Meanwhile, private mortgage investments are quietly delivering consistent income backed by real estate.
How Mortgage Investments Fit Inside RRSPs and TFSAs
In Canada, Mortgage Investment Corporation (MIC) shares are RRSP- and TFSA-eligible.
That means:
You can invest registered funds into mortgage-backed loans
Earn regular income
Maintain tax advantages
This is exactly how Lendworth MIC is structured.
Why Investors Are Choosing Lendworth MIC
Lendworth MIC focuses on conservative residential mortgage investing, prioritizing capital preservation first — yield second.
Key Highlights:
Targeted returns of 8–10% per year
Primarily residential mortgages
Conservative loan-to-value discipline
Income generated from mortgage interest
Eligible for RRSPs, TFSAs, RRIFs, LIRAs, and other registered accounts
This approach appeals to investors who want predictable income, not stock-market volatility.
Why RRSP Season Matters Right Now
As the RRSP deadline approaches:
Contribution room resets once the deadline passes
Unused cash sits idle
Tax refunds go unoptimized
Instead of rushing into generic investments, many Canadians are asking:
“How can my RRSP or TFSA actually work harder?”
Mortgage investing is becoming that answer.
RRSP vs TFSA: Which One Should You Use?
RRSPs are ideal if:
You’re in a high tax bracket today
You want an immediate tax deduction
You plan for long-term growth
TFSAs are ideal if:
You want tax-free income
You value flexibility
You want to keep every dollar you earn
Many investors use both, allocating mortgage investments strategically across accounts.
The Bigger Picture: Tax Efficiency + Real Assets
Stocks fluctuate. Rates change. Markets react.
But mortgage investments:
Are backed by real property
Generate contractual income
Offer diversification away from equities
When combined with registered account tax advantages, the result is efficient, disciplined wealth building.
Final Thought: Don’t Waste Your RRSP Deadline
RRSP season isn’t about rushing.
It’s about placing capital intelligently.
If you’re looking to:
Put your RRSP or TFSA to work
Earn 8–10% targeted returns
Invest in real estate–backed mortgages
Use registered funds efficiently
📞 Speak with Lendworth about investing in Lendworth MIC shares before the RRSP deadline.
Your Equity Deserves More™