The longer the money is sheltered Tax-sheltered: You will not have to pay income taxes on money you invest in a tax-sheltered investment (e.g., RRSP) until you withdraw the funds. from taxation, the more the retirement savings Retirement savings: Amount of money saved to cover the cost of your living expenses when you retire.
Plus l'argent reste longtemps protégé du fisc, plus le capital de retraite Capital de retraite : Somme d'argent amassée qui servira à assumer vos frais de subsistance quand vous serez à la retraite.