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All about the tax-free First Home Savings Account (FHSA)


The Canadian government’s new First Home Savings Account (FHSA) came into effect on April 1, 2023. This new registered savings account allows prospective first-time home buyers to save for a down payment on a tax-free basis. FHSA contributions are tax-deductible (like an RRSP), and qualifying withdrawals to purchase a first home are non-taxable (like a TFSA).

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Compounding Your Savings

When people tell you to save your money early and for as many years as possible, it’s largely because they want you to compound your savings, unlocking major potential.

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