RRSP foreign content rules

Question: If a person has more than one RRSP account, how does one calculate the foreign content?

Is the 30% calculated based on the total amount in all the RRSP accounts, or must each RRSP account hold no more than 30% in foreign content? – K.G.


Each account is considered individually. So you cannot exceed the 30% limit in any one plan just because you are under it in another.

There is no swapping of foreign content “credits” between RRSPs. – G.P.