1. The document discusses using an RRSP to take out a $100,000 loan to fund investments, with the interest on the loan being tax deductible. 2. Each month $300 is withdrawn from the RRSP to pay the interest on the loan. While the RRSP withdrawal is taxable, the interest amount is deductible, so there is no tax owed. 3. The profits from the investments can be used to purchase additional RRSP funds, allowing the RRSP to grow faster than it would otherwise.

1. RRSP $100,000.
In order to take money out of an RRSP
you need a tax deduction to offset it.

2. 1. RRSP $100,000. 2. Purchase B2B Investment Loan
- $100,000.

3.  RRSP $100,000.
 B2B $100,000 interest only loan, no margin calls.
Interest is at 3% and cost is $300. per month or $3,600.
per year.
Anytime you borrow to invest Interest is tax deductible.

4. RRSP B2B Investment Loan
$100,000. $100,000.
Withdraw $300. mthly or $3,600. /yr. Use RRSP $300. withdrawal each
This is taxable income. month to pay interest cost on
investment loan which is tax
deductible, when used to create
income.
Again, income from RRSP is taxable but is off set because the
same amount from the borrowing to invest is tax deductible.
Therefore, no taxes to CRA and money is used to fund the
investment loan.

5. $10,000. PROFIT divided by $3,600. COST
= 277%

6.  Look at unused RRSP availability
 For Example, $10,000. is unused RRSP amount available
 Purchase $10,000. unused RRSP available with profits from
the B2B Investment loan

7.  Your original RRSP of $100,000 which increased by 10% to
$110,000 less (loan costs $3,600.) is now $106,400. When you
add your new $10,000 unused RRSP purchase, it now is
$116,400.
 Instead of the RRSP earning 10%, it has indirectly earned
16.40%
 The tax refund offsets the capital gain tax and you get a tax
deduction against your income with the balance not used
against your capital gain.

8.  You now can buy all your future RRSP funds from profits
generated by a B2B Investment Loan, funded by your existing
RRSP funds and save money you normally have to save each
year to purchase your RRSP funds.

9.  You are getting a tax deduction and you are using
future money that would have had to be used to pay for
taxes when withdrawn. Now, you are getting CRA to
help you fund your retirement.
 You can also offset capital gains on the B2B
Investment Loan, making this money earned tax free.
 You also get a tax refund to use however way you wish
at no extra cost to you.

10.  With these results, your RRSP funds grow faster and this
allows you to increase your B2B Investment Loan as you have
more funds to use in your RRSP to fund further B2B
purchases.

11.  Lastly, we used only 10% to be conservative. By using
demographics and connecting the dots, our average has
been 22% for the last 9 years.