Diversify Your Portfolio and Build Long-Term Wealth
It’s that time of year again! The RRSP contribution deadline is March 3rd, 2025, and making the most of this powerful savings tool can help you reduce taxable income today while growing your wealth for the future.
But did you know your RRSP can do more than hold traditional investments like mutual funds or GICs? With a self-directed RRSP, you can diversify your portfolio and explore high-potential investment opportunities, including private real estate.
Investing in private real estate through your RRSP is an underutilized yet powerful strategy that allows you to tap into an asset class historically reserved for institutional investors and high-net-worth individuals.
In this guide, you’ll learn:
✅ Why private real estate is more accessible than ever
✅ How RRSPs work and their tax advantages
✅ Why RRSPs and private real estate are a perfect match
✅ How to invest in private real estate using your RRSP
✅ How to evaluate the right opportunities for your financial goals
If you’re looking to make smarter, tax-efficient investment decisions, this guide is for you. Let’s explore how you can make your RRSP work harder by unlocking RRSP-eligible private real estate investments.
Breaking the Myth: Private Real Estate Isn’t Just for the Ultra-Wealthy
Many people believe that investing in private real estate is reserved for ultra-high-net-worth individuals and institutions. The truth is, private real estate has become more accessible than ever, with lower entry points and structured investment vehicles that allow a broader range of investors to participate.
Who Can Invest in Private Real Estate?
In Canada, private real estate opportunities are available to two main categories of investors:
1. Accredited Investors
Annual income of $200,000+ individually or $300,000+ with a spouse for the past two years.
Net assets of $5 million or more.
Financial assets of $1 million or more, before taxes and net of liabilities.
2. Eligible Investors
Gross annual income of $75,000+ individually or $125,000+ with a spouse, sustained for two years.
Net assets of $400,000 or more, including their primary residence.
While accredited investors have traditionally dominated private real estate, the eligible investor category has made these opportunities available to more Canadians.
At Goodland Equity Partners, we offer investment structures designed to open the door to a broader range of investors, allowing them to participate in institutional-grade real estate projects.
Why RRSPs Are Ideal for Private Real Estate Investing
Now that we’ve established the accessibility of private real estate, let’s discuss why RRSPs are a great vehicle for investing in this asset class.
Registered investments like RRSPs offer unique tax advantages, making them ideal for long-term wealth-building.
How RRSPs Work
📉 Tax-Deductible Contributions – Every dollar you contribute reduces your taxable income, lowering your annual tax bill.
📈 Tax-Deferred Growth – Investments inside an RRSP grow tax-free until withdrawn, allowing your returns to compound faster.
💰 Taxed on Withdrawal – When you retire and start withdrawing funds, the money is taxed as income at your then-current tax rate, which is often lower than during your working years.
Key Benefits of Using Your RRSP for Private Real Estate:
✅ Higher Contribution Limits – RRSPs allow up to 18% of your earned income, capped at $31,560 for 2024, offering more room to allocate capital toward high-growth investments.
✅ Tax Savings Free Up Capital – Lowering taxable income means more capital available for investment.
✅ Long-Term Investment Horizon – Real estate investments often require a longer holding period, making them perfectly aligned with RRSPs, which are intended for long-term retirement savings.
✅ Maximized Growth Potential – With tax-deferred compounding, private real estate investments in an RRSP can grow exponentially without being diminished by annual taxes.
How to Invest in Private Real Estate with Your RRSP
1. Open a Self-Directed RRSP
To invest in private real estate, you’ll need a Self-Directed RRSP through an approved trust company or financial institution (e.g., Olympia Trust, Community Trust, or Western Pacific Trust).
2. Select an RRSP-Eligible Real Estate Investment
At Goodland Equity Partners, we offer RRSP-eligible private real estate investment opportunities, including:
✔ Real Estate Private Equity (REPE) Funds
✔ Direct Real Estate Investments
✔ Private Mortgage Investments
3. Fund Your Investment
Once your Self-Directed RRSP is set up, you can transfer funds from an existing RRSP account or make a new contribution before the March 3rd deadline.
4. Earn Returns While Enjoying Tax Benefits
Your real estate investment will grow tax-deferred within your RRSP, helping you build long-term wealth while benefiting from stable, high-quality returns.
What Can You Invest In?
1. Real Estate Private Equity (REPE) Funds
Goodland VS LP – Our flagship luxury ski-in, ski-out development in Mont-Tremblant, Canada, offers long-term appreciation potential in one of the country’s most exclusive vacation markets.
2. Direct Real Estate Investments
Own a fractional interest in high-value real estate projects, earning returns through rental income and capital appreciation.
3. Private Mortgage Investments
Invest in secured real estate-backed loans, earning higher yields than traditional fixed-income products.
Evaluating Private Real Estate Opportunities
Choosing the right private real estate investment is crucial for achieving your long-term financial goals. Here are some key factors to consider:
🔹 Project Location & Market Demand – Is the property in a high-demand area with strong economic and demographic growth?
🔹 Management Team & Track Record – Is the investment managed by an experienced and trusted firm with a proven track record?
🔹 Investment Structure & Liquidity – Does the investment align with your time horizon and risk tolerance?
At Goodland Equity Partners, we conduct rigorous due diligence to ensure our investors participate in top-tier, institutional-quality real estate opportunities.
Start Investing in Private Real Estate with Your RRSP Today
📅 March 3rd, 2025, is the deadline to maximize your RRSP contributions.
Don’t miss the opportunity to unlock the full potential of your RRSP and start building tax-efficient wealth through private real estate.
📩 Ready to take the next step? Contact us today to learn how you can invest your RRSP in Goodland Equity Partners’ exclusive real estate opportunities.
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