That's a good question actually. In Canada you can withdraw from your RRSP early if you want, but you get hit with something like a 25% "don't do that" fee. Wha

That's a good question actually. In Canada you can withdraw from your RRSP early if you want, but you get hit with something like a 25% "don't do that" fee. What's the reason for this lock-in? I can't see one other than to try to encourage you to keep your money in the plan for the long run.