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Speak to a registered financial advisor to learn more about making withdrawals from an RRSP. For RRSPs, there is a withholding tax on the total amount of the withdrawal. The amount of the withholding tax depends on how much you withdraw. Learn more about making RRSP withdrawals before you retire. We are not able to provide advice such as whether you should convert your RRSP to a RRIF as this decision depends on many individual factors.