That is a double edged sword - yes the growth of the value of yyour shares held in an RRSP is protected from taxation, but when you withdraw money, it is all included in income. Captial gains outside your registered account have a 50% inclusion rate, meaning that one dollar in gains results in 50 cents in taxable income. As I have said before in this forum, everyone should seek the advice of a CA on matters of taxation - the expense will be well worth it.

Shortty