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Sales promotions cannot compensate for
Compounded Quarterly
The process where interest is added to the principal sum of a deposit or loan every three months, leading to interest earnings on interest.
RRSP
RRSP stands for Registered Retirement Savings Plan, which is a savings plan sponsored by the Canadian government that allows individuals to save for retirement on a tax-deferred basis.
RRIF
A Registered Retirement Income Fund, a tax-deferred retirement plan in Canada designed to provide income to beneficiaries.
Nominal Rate
The stated interest rate of a financial instrument or loan, not accounting for compounding or inflation.
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