Maximize your contributions each year to make the most of tax-deferred compound investment returns.

Contribute regularly. It is easier to make a small contribution every month than to contribute a larger amount at the end of the year. In addition, if you make your contributions at the beginning of the year, your money will start working for you sooner, and your RRSP will grow more quickly.

Consider a RRSP loan if you don't have the cash, and then pay it down when you receive your refund each year.

If you have unused contribution room available, consider borrowing enough money to help you catch up.