RRSP, TFSA, or FHSA?How to Build the Right Contribution Mix

This article provides practical guidance designed for Canadian households and business owners managing real filing and planning constraints.

March 24, 2025

RRSP, TFSA, or FHSA? How to Build the Right Contribution Mix

Use this guide as a planning reference and discuss your specific case before making filing or contribution decisions.

Key Considerations

Context matters more than rules of thumb. Your income structure and timeline should drive strategy.

Treat this as a framework and adapt with current-year numbers before filing.

Action Steps

Start with a baseline summary of your current position, then model one change at a time.

Review monthly so your decisions are based on current data, not year-end assumptions.

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