Dutifully, folks maximize their annual contributions or put in as much as they can. Some reinvest the tax refund generated by this year's contribution to seed the next year's contribution. Roaring stock markets make many an RRSP into an equity-rich investment playground. That creates another cause for concern for the RRSP doubters. Of course, we don't live in a perfect world.
Many common stocks pay dividends quarterly.
A non-RRSP portfolio has no foreign content limit. Since foreign markets have highly outperformed Canada's over the decades, this is an argument with much merit. I've watched the debate for almost two decades. That's because it all depends on individual investors' attitudes, their personal financial circumstances and discipline when it comes to investment and savings. We welcome your feedback.