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RRSP vs TFSA vs FHSA — Which Should You Prioritize in 2026?

  Published: April 2026 | Reading time: 11 min | Category: Investing, Personal Finance, Tax Savings Three registered accounts. Three sets of rules. And most Canadians are using at least one of them wrong. The RRSP, TFSA, and FHSA each offer powerful tax advantages — but they work in completely different ways, and the right priority order depends entirely on your income, your goals, and your timeline. Picking the wrong one first can cost you thousands in taxes over your lifetime. This guide breaks down exactly how each account works, who it's best for, and the optimal contribution strategy for 2026 based on your situation. A Quick Overview of All Three Accounts Before diving into strategy, here's how each account actually works: RRSP TFSA FHSA Contribution deductible? Yes No Yes Growth taxed? No No No Withdrawals taxed? Yes (as income) No No (if for a first home) 2026 annual limit 18% of income, max $32,490 $7,000 $8,000 Lifetime li...
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Stock Market Today: World shares mixed after Wall Street’s 3rd straight winning week

 

According to a news article from MSN, world shares were mixed on Monday after Wall Street closed its third straight winning week with a tiny gain. 

Germany’s DAX fell 0.1% to 15,907.92, while France’s CAC 40 gained 0.3% to 7,256.93. Britain’s FTSE 100 was down 0.3% at 7,481.86. The future for the S&P 500 and the Dow Jones Industrial Average were virtually unchanged. Japan’s Nikkei 225 index broke its September peak, hitting a 33-year high, and then fell to 33,388.03, shedding 0.6%. 

The Hang Seng in Hong Kong added 1.6% to 17,732.36, and the Shanghai Composite index advanced 0.5% to 3,068.32. China announced on Monday that it would keep its benchmark lending rates unchanged as expected due to a weaker yuan and the need to assess the impact of recent stimulus measures on the economy.

 In South Korea, the Kospi was 0.9% higher, at 2,491.20. Australia’s S&P/ASX 200 edged 0.1% higher to 7,058.40. Taiwan’s Taiex was little changed. The SET in Bangkok dropped 0.1% as the state planning agency announced Monday that Thailand’s economy grew slower than expected in the last quarter due to weakness in exports and agriculture, despite strong consumer spending and a recovery in tourism.

Markets hope inflation has cooled enough for the federal Reserve to finally stop its market-crunching hikes to interest rates


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