Investing In Real Estate with a Self Directed Retirement Savings Plan (RRSP)

Most Canadians think their RRSP can only be invested in mutual funds, ETFs, or stocks. But with a Self-Directed RRSP, you can take control of your retirement savings and invest directly in real estate-backed opportunities — giving you the power to grow your wealth through secure, tangible assets.

At Your Local Wealth Builder, we help investors understand how to use their registered funds — including RRSPs, TFSAs, LIRAs, and RRIFs — to invest in real estate projects that offer stable, predictable returns.

What is a Self-Directed RRSP?

A Self-Directed RRSP (SDRSP) works just like a regular RRSP in terms of tax benefits — your contributions are tax-deductible and your investment grows tax-deferred — but it gives you complete control over how your funds are invested.

Instead of being limited to traditional options like mutual funds or GICs, you can choose from a wide range of alternative investments, including:

• “Private real estate projects”

• “Mortgage investments”

• “Limited partnerships”

• “Private equity”

How You Can Use Your RRSP to Invest in Real Estate

Through a Self-Directed RRSP, you can invest in real estate projects structured as RRSP-eligible investments — such as private mortgages, development partnerships, or syndicated real estate funds.

At Your Local Wealth Builder, we work with licensed trust companies that specialize in holding self-directed registered funds. Once your RRSP is transferred into a self-directed account, you can allocate a portion (or all) of it into approved real estate opportunities we offer.

The Benefits of Using a Self-Directed RRSP for Real Estate

• Tax-Deferred Growth — All income and gains earned inside your RRSP grow tax-free until withdrawal.

• Diversification — Real estate offers an alternative to the volatility of stocks and mutual funds.

• Stability & Security — Real assets provide tangible value and steady returns

• Local Impact — Your investment helps build real housing and communities in Alberta.

• Flexibility — You choose what projects to participate in and how much to invest.

How the Process Works

Step 1: Open or transfer funds to a Self-Directed RRSP account with a qualified trust company (we can refer you to trusted partners).

Step 2: Review current investment opportunities offered by Your Local Wealth Builder.

Step 3: Direct your RRSP funds into a project that matches your investment goals — and watch your registered savings grow tax-deferred.

Why Work With Your Local Wealth Builder

At Your Local Wealth Builder, we simplify the process of using registered funds for real estate investing. Our team handles the coordination between your trust company and investment structure, ensuring compliance and transparency every step of the way.

With over 20 years of real estate experience, our mission is to help everyday Canadians take control of their financial future through secure, well-managed real estate investments — including those made through registered plans.

Ready to explore how your RRSP can start working harder for you?

Join our Investor List to learn about upcoming RRSP-eligible real estate projects in Alberta.

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