Spousal RRSP: Who will pay the tax at the time of withdrawal?

At the time of withdrawal, the spousal RRSP holder is taxed according to the usual RRSP rules.

However, if your spouse withdraws any of the money you contributed to their spousal RRSP within three years of its deposit, the amount withdrawn will be added to your taxable income. After this period of two full calendar years, or three occurrences of December 31, your spouse will be taxed.

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Legal Notes
Please read the prospectus before buying Fonds de solidarité FTQ shares. Copies of the prospectus may be obtained on the Website fondsftq.com, from a local representative or at the offices of the Fonds de solidarité FTQ. The indicated rates of return are the historical annual compounded total returns including changes in share value and reinvestment of all dividends and do not take into account income taxes payable by any security holder that would have reduced returns. The shares of the Fonds de solidarité FTQ are not guaranteed, their value changes and past performance may not be repeated.