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How to Use a Spousal RRSP to Save Thousands in Retirement (2026 Guide)

  Published: April 2026 | Reading time: 10 min | Category: Retirement, Tax Savings, Personal Finance Most Canadian couples are leaving thousands of dollars on the table every single year by not using a spousal RRSP. It's one of the most powerful — and most underused — income-splitting strategies available to Canadians, and it's completely legal, fully endorsed by CRA, and available to almost every married or common-law couple in the country. If one spouse earns significantly more than the other, a spousal RRSP can save your household $5,000–$15,000 or more in lifetime taxes. This guide explains exactly how it works, who benefits most, and the rules you need to know to do it correctly. What Is a Spousal RRSP? A spousal RRSP is a Registered Retirement Savings Plan where one spouse (the contributor ) makes contributions, but the account is owned and will eventually be withdrawn by the other spouse (the annuitant ). The key mechanics: The contributing spouse gets the ...
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Ceasefire Gains Momentum as Israel Releases Dozens of Palestinian Prisoners

 

In a significant move toward de‐escalation in the long‐running conflict, Israeli authorities have begun releasing dozens of Palestinian prisoners as part of an ongoing ceasefire deal with Hamas. The latest prisoner swap comes amid a series of reciprocal releases that have been central to the fragile truce established earlier this January.

According to reports, the release includes individuals held on a range of charges—from those convicted of participating in deadly attacks to others detained under administrative measures. This round of exchanges follows previous deals in which Hamas handed over several Israeli hostages, whose deteriorated condition sparked widespread public concern and condemnation from Israeli officials.

The prisoner release is seen as a tactical step intended to build confidence on both sides and create space for further negotiations aimed at securing a permanent ceasefire. International mediators have stressed that while the prisoner swap does not resolve all the underlying issues, it is a critical component of a broader effort to ease tensions and allow humanitarian aid to flow into the Gaza Strip.

At the same time, top figures in Israel and abroad have underlined the precarious nature of the ceasefire. Recent high‐level meetings—such as the joint press conference held by the U.S. president and the Israeli prime minister—have highlighted the international community’s role in trying to steer the situation toward a lasting solution. While both sides acknowledge that the deal is only a first step, the gradual process of exchanges is viewed by many as essential for paving the way toward ending hostilities and addressing the humanitarian crisis in Gaza.

As the ceasefire enters its next phase, negotiators are set to discuss further measures, including the eventual release of all remaining hostages and a phased withdrawal of forces. For now, the latest exchange stands as a rare moment of conciliation amid an otherwise volatile regional landscape.

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