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Seniors and students
You are unable to "transfer" your spousal RRSP to the other spouse. It is reported by the person who purchased it known as the "contributor" and claimed on that spouse's tax return. The contributor receives the tax deduction at the time of purchase and the "annuitant's" tax return is only affected when the RRSP is withdrawn.
https://turbotax.intuit.ca/tips/spousal-rrsps-in-canada-6353
‎October 30, 2019
2:31 PM