RRSP vs. TFSA 2026: Which One’s Right for You? скачать в хорошем качестве

RRSP vs. TFSA 2026: Which One’s Right for You?

Every tax season, Canadians ask the same question: RRSP or TFSA? While contribution limits and income thresholds may change by 2026, the core decision stays the same. Each account offers different advantages depending on your income, goals, and stage of life. RRSPs are designed for long-term retirement planning. Contributions reduce taxable income today, with growth taxed later when you withdraw—often at a lower rate. TFSAs offer flexibility. There’s no upfront deduction, but investment growth and withdrawals are completely tax-free, making them ideal for short- or medium-term goals. For many Canadians, the best approach is to use both. Think of your RRSP as a retirement foundation and your TFSA as a flexible opportunity fund. At Connect Wealth, we help clients build strategies that balance tax efficiency, flexibility, and long-term control. Want to find the right mix for you? Let’s talk before the next tax season.