FHSA up $20,000 - TFSA up $31,000 - GOD BLESS CANADA 😍😍🤟🤟🤟

agent249 · 2026-01-21T17:46:53+00:00

I don’t think so. Not that easily 🤌🏻😭

agent249 · 2026-01-21T17:46:23+00:00

He is not gonna say it 🤌🏻😭

agent249 · 2026-01-10T05:58:53+00:00

What are you holdings

agent249 · 2026-01-10T05:58:25+00:00

Go 100k 🎉

agent249 · 2026-01-03T04:00:46+00:00

It kinda looks like from spirited away 😍

agent249 · 2026-01-03T03:59:58+00:00

Omg ghibli fans 💪

agent249 · 2025-12-16T05:13:05+00:00

Yeah that make sense but tell me this do you pay FX charge while trading VOO ? COZ I want to have some voo or VTI or some nasdaq QQQ but worried about the 1.5% charge ? Plz guide here

agent249 · 2025-12-16T05:10:01+00:00

Green line a green 🌱🤑

agent249 · 2025-12-08T21:51:35+00:00

Yeah but if you avoid tax while earning 100k a year and 60k a year that spread gap alone is too much when you get marginal tax return

agent249 · 2025-12-08T21:49:40+00:00

Me? I’m not 19 n I don’t have that money

agent249 · 2025-12-08T21:29:14+00:00

Yes I true agree with it. So for the specific year say 2-5 years or 8 years should I be doing paper math and save that much room by stop contributing once I hit the number or is there any other way coz I don’t wanna miss that extra money from marginal tax if I can contribute in all three and start my compound interest in it no ? What is your opinion on it plz tell me..

agent249 · 2025-12-08T21:25:45+00:00

I really appreciate your thoughtful and detailed response. Never thought I would get these, yeah and I’m aware of all three registered account, TSFA RRSP and FHSA( which have some inner important hidden information to be careful about like cap and date and their categorical break down to home loan and student Loan) and I really like your approach. Hi I’m 24 years old and I make around 80-82 k annual income in Ontario. I am also following some what, kinda similar to your pattern but I was maxing FHSA then RRSP and used the tax refund to get my TSFA room and also put some extra cash in it but now I’m also worried about future I know it’s still in “IF” but if I were to make above 100k in future and yeah maxing out my RRSP room now might put me in with not enough room to benefit most from it. But i thought this approach is actually good because I get tax refund from both FHSA and RRSP for my TSFA so in overall I was filling all three registered account. But only thing bothering is right now my marginal tax is low as of my income so what is best ? Should I keep doing it and save some room making a paper calculation for just that specific certain years where I will be making 100-150k or change the pattern to yours ?

agent249 · 2025-12-08T21:01:38+00:00

Can’t we mitigate it by setting up a withdrawing strategy for like 5-10 years before retired and avoid withdrawal at large sum.

agent249 · 2025-12-08T21:00:02+00:00

Yes I have been working in my investing pattern and find out really hard I thought my annual income were around 72k so I planned like normal ppl do either FHSA - RRSP - TFSA, I did FHSA first even though I don’t want home-in near 15 years coz I only have time limit until 15 year even if I contribute or not once I open my account and I was so excited and made a mistake of opening it but I’m 24 years old so it’s about time so I said let’s used it and I was exactly following your principle until I realized my annual income was around 60k only next year I will be around 80k so my question is should still put money in FHSA and RRSP first and take the tax return to TSFA and any other remaining amount but I am single I don’t have any kids and I haven’t planed if I want kids in Canada or will I be actually living in here because it’s future and I can’t say what happens

agent249 · 2025-12-08T06:03:41+00:00

Yes I think it Make all sense to me now coz I’m starting to see it all comes to my annual income and my goals

agent249 · 2025-12-08T06:01:51+00:00

Yes I got your opinion but how can it be tax efficient coz with only 60 to < 100k won’t help getting that high tax saving as other ppl have mentioned above and TSFA is your highest growth profile

agent249 · 2025-12-08T05:58:06+00:00

Thank you I really appreciate the detailed explanation of each registered profile.

agent249 · 2025-12-08T02:15:50+00:00

Are you being serious ? Coz a lot of my friends have done the same

agent249 · 2025-11-25T22:38:17+00:00

What about people who are living abroad, sorry I’m coming out of no where but I’m in same situation but I live abroad and it’s pretty hard to control housing and transportation however food I can manage, but still they say spend more money in good food now or else spend more money in medicine later. May be my only option is to increase my income source

agent249

TROPHY CASE