Whether you're just starting to build your financial nest egg or looking to branch out, RRSPs are one of the most important building blocks available for retirement planning. And one of the common strategies is to invest a lump sum into your RSP so that you can take advantage of immediate tax benefits while giving your RSP more time to grow.

Through the power of compounding, the larger your initial contribution -- and the longer it remains invested tax sheltered -- the greater your investment growth potential. And a simple and easy way to do this is by using an AGF Trust RSP Loan.

With an AGF Trust RSP Loan, you can:

• Top-up your 2011 contributions
• Catch-up on any unused contribution room from previous years
• Invest a portion of the proceeds into an RSP, Spousal RRSP or even an RESP
• Defer your first loan payment for up to 180days¹
• Choose from a variety of loan terms from one to 10 years

So don't let a shortage of cash in hand today deprive you of long-term goals.

Talk to your advisor today about padding your retirement nest with the help of an AGF Trust RSP Loan.

¹Although payments can be deferred for up to 180 days, interest accrues from the date of funding.

AGF Trust RSP Loans are subject to clients meeting AGF Trust Company lending criteria. The RSP Loans are offered by AGF Trust Company, a wholly owned subsidiary of AGF Management Limited.

Using borrowed money to finance the purchase of an investment product involves greater risk than a purchase using cash resources only. If you borrow money to purchase an investment product, your responsibility to repay the loan and pay interest as required by its terms remains the same even if the value of that investment product purchased declines. AGF Trust does not provide investment advice. Speak to your advisor about borrowing to invest.