The claim that RRSPs have nothing to do with "tax avoidance" seems specious to me. Isn't the whole idea that you contribute to your RRSP, avoid paying tax on some of your income at the time of contribution, then withdraw from those savings when you are retired and in a lower tax bracket? The point is to defer paying taxes on part of that income until a time when you are paying a lower tax rate. It's a method of reducing tax paid over one's lifetime, not just deferring payment of taxes.
If I am mistaken here someone please correct me.
If I am mistaken here someone please correct me.