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Investments · Accounts

The account matters as much as the investment you put in it.

TFSA, RRSP, FHSA: the same fund does not net the same return depending on the account holding it. The tax treatment makes the gap.

What this page covers

  • TFSA: tax-free withdrawals, room restored the following year.
  • RRSP: deduction on contribution, tax on withdrawal — and the HBP for a first home.
  • FHSA: the RRSP deduction and the TFSA's tax-free withdrawal, for a first home purchase.

For information only — not an approval, and not a rate offer. Figures and rates will follow once rate capture is in place.