Saving & retirement
TFSA room, FHSA deadlines, RRSP deductions and retirement income. Follow the different rules before moving money between accounts.
Saving & retirement
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Saving & retirement 2 min
The dishwasher was fixed. My December transfer could wait.
Étienne has the money to replace a TFSA withdrawal, but the calendar matters as much as the bank balance. A simple same-year contribution example.
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Saving & retirement 2 min
I had circled February. The account wanted December.
Nadia plans a first-home contribution around an old RRSP habit. The useful distinction is between contributing now and claiming the deduction later.
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Saving & retirement 2 min
Étienne finds two different RRSP numbers
Read the RRSP statement on your assessment and subtract contributions already made before sending more money.
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Saving & retirement 2 min
The pension arrived without a tax deduction
Estimate the tax on all retirement income, then decide whether to request deductions from CPP or OAS payments.
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Nadia decides to keep renting
Review the account deadline and transfer options when a first-home purchase is postponed or abandoned.
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Saving & retirement 3 min
Nadia has an accepted offer. The FHSA withdrawal still needs a check.
Review the home purchase, timing, residency and issuer form before requesting a tax-free FHSA withdrawal.
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