The article did not answer the question at all. It only described how to invest, not which investment is better. I don't think RRSP's are a good idea unless you think you  are going to be in the lowest tax bracket upon retirement. You will have to pay the tax when you withdraw them - plus tax on any other income including CPP, Social Security, other investments, possible inheritance income, and other work income.  And it's a good bet that if you already have money to invest now, you're going to still be in that higher snack bracket when you retire.