[MoneyGal]

The standard advice, as you have seen, is to hold tax-preferred income sources outside an RRSP. However, this advice really only holds when you have investments both inside and outside RRSPs (or you are nearing retirement), and doesn't really help someone who is just starting out.

In your shoes, I'd probably buy the assets in your RRSP. As your wealth grows, you can swap those assets out for other assets in a non-reg account - or convert them into other, non-dividend-paying assets as your tax situation changes.

Good luck!

 

[MoneyGal]

You can swap assets of equal value between a reg and non-reg account. Google "RRSP asset swap" for details (I'm at work, so short for time at the moment. )

However, don't worry about this too much until you have assets to swap. Instead, take advantage of the RRSP tax deduction and start building your wealth. You have many years yet to optimize your tax position for the withdrawal of those assets in retirement.