I max out my RRSP contributions every year, and have done so for the 2008 tax year. I'm looking ahead to 2009 - Initially, I was going to buy my RRSP next May for the 2009 tax year after I get my refund. However, with the markets being down so much at the present time, I was thinking of buying more units now and holding them in my non-registered account to take advantage of the drop in value and then registering them next year. I know it's a gamble, since my advisor said no one knows where the bottom is. Should I wait until next spring and re-assess the situation at that point, or buy now and take my chances??