If you’re like many Canadian investors, you’ve already started planning for your retirement years through savings vehicles like Registered Retirement Savings Plans (RRSPs), typically with a balanced portfolio of fixed-income investments such as bonds and equities to ensure you are properly diversified.,If you’re like many Canadian investors, you’ve already started planning for your retirement years through savings vehicles like Registered Retirement Savings Plans (RRSPs), typically with a balanced portfolio of fixed-income investments such as bonds and equities to ensure you are properly diversified.