I have been thinking about this for a while. The facts: 60 years old, been retired for 4 years. RSP balance about $125k, non registered portfolio in low 8 figures, pension starts in 2 years and very, very generous, cash on hand good for 2 years expenses. I have about $40k rooom in my RSP. This arose recently due to post retirement comp. Question: Should I bother topping up the RSP or does this just complicate things more for a relatively small benefit? Will always be paying at the max tax rates (Alberta). Portfolio consists of 100% blue chip dividend paying Canadian equities. Dividends and pension will cover expected expenses. What do you think? I know how lucking i am to be in this position-please only helpful advice.