Albertans would keep their TFSA and RRSP accounts unchanged after independence.
Claimed by: Reassurance offered in separation debates
Needs context: Accurate as written, but a key piece of context changes how it reads. How we rate.
Summary
Tax-free savings accounts, RRSPs and the contribution room people have built up are creations of federal legislation, administered by the Canada Revenue Agency. The accounts themselves are held at banks and investment firms, so the money would not vanish, but the tax-sheltered status, the contribution limits and the rules that make these accounts work exist because Alberta is part of Canada. An independent Alberta would have to create its own equivalent regime or negotiate a continuation arrangement, and how existing contribution history would carry over is unsettled. Saying nothing would change overstates what is actually guaranteed.
Evidence
TFSA contribution room, RRSP limits and related accounts are created by federal legislation and administered by the CRA, so an independent Alberta would need its own equivalents or a negotiated continuation, with key details unsettled.