My RSP's are doing nothing fuckn good for me.
 

I have an account for 8-9 years and seen little to no growth,yet i talk to the bank and they tell me "you have the right portfolio,it just takes time". Yeah right,with $xx,xxx i only made few hundred dollars all this time?

Im willing to pull everything out and invest into stocks or bonds but dont have a clue or know where to start.On top of this,i will be hit with a big tax fee if i wthdraw any money out.

So my question is..Do i withdraw all my Rsp;s out and pay the hefty tax and invest elsewhere? or just leave them there.

Leave them.the worst thing is to panic.it's still a tax incentive.mine have sucked too

better to make a small amount, then lose in a retirement account like most of america has

Never cash them out unless your on the verge of bankruptcy.
Why take a huge tax hit (plus interest since you made that income).
It can easily go over 50%. Just invest in something different thru the RRSP's.
WG