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You can hold a variety of investments in an RRSP, including cash, GICs, bonds, mutual funds, ETFs and individual stocks. Individual stocks can be held within an RRSP or within a regular investment account.

Before choosing your investment approach, or any specific investment, consider the risk involved, your risk tolerance and your time horizon. The money you put into a regular investment account is not tax-deductible and any earnings, capital gains (or losses) are subject to tax in the year they are realized.