Thank you all for sharing your experience with handling the RRSP investment accounts for your missues.  It is a thankless job and is never appreciated.

I put the ARU investment in her RRSP account simply for the fact she has the RRSP room and I don't.  I would consider that as "our" investment, and somehow when there a bit of rough water, it becomes "her" investment that is in jeopardy. 

It is always interesting how things are seen from a feminine perspective.  Something like "our" son is a good boy and "your" son is a bad boy.  Go figure.