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Deciding when to claim unused RRSP contributions

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Hi All,

Just a quick question. What is a good strategy for banking RRSP contributions? For example, last year I did not claim my contributions as they wouldn't have been enough to put me in a lower tax bracket. However, I have enough this year to theoretically put me down to $42,707, which is the point after which federal tax jumps from 15% to 22%. I figure that would be a good number to aim for.

Just curious how others usually approach this. :)

Thanks.

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