Українська Манітоба
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Але в RRSP є штраф, якщо гроші витягнеш на житло і не повернеш вчасно на рахунок. FHSA без ризику
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If your goal is to buy a home, prioritizing your FHSA over your RRSP is a good idea since it gives you tax benefits on contributions and withdrawals. For every dollar you contribute, your taxable income is reduced by an equal amount. Plus, you don’t need to worry about any repayments. High-income earners will likely want to focus on their RRSP first since they’ll likely have more contribution space than the FHSA. For reference, your RRSP contribution room is 18% of your previous year’s income, with a cap at $31,560 for 2023 .
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Для high income earners - краще використовувати RRSP а потім уже fhsa
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Погоджуюсь.
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Зрозумів, ми на стадї «дому ще нема». Дякую за пораду!
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Так. Але якщо дім уже є і вищий дохід - краще з rrsp починати а потім уже на tfsa