Is it worth the extra trouble of managing both an SRRSP and RRSP for my wife? She's a year older than me, but we're 30 and 31. I make 3x as much at our current rate, so I'm trying to even out how much we have in each of our accounts until we are even. We both get matching through our employers so we have to have those annoying accounts with GWL and Manulife. Each one gets a free transfer out per year.
So far I've opened a Questrade account and dumped the SRRSP provided by my employer, the amount my wife has accumulated in her rrsp is still currently small.
Hope we could get by managing only 2 accounts instead of 3.