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There are two strategies that can be used to reduce the probability of learned behaviour.They are
RRSP
A Registered Retirement Savings Plan, a Canadian investment account for holding savings and investment assets, with certain tax advantages.
Compounded Annually
Interest calculated once a year on the initial principal and the accumulated interest of previous periods of a deposit or loan.
Deferred Annuity
An insurance product that delays income payments until the investor elects to receive them, which can be many years after the initial investment.
Ordinary Annuity
A series of equal payments made at regular intervals, with the interest compounded at the end of each period.
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