Mehdi Rad

TFSA: Flexible Savings
Tax-Free Savings Account — grow investments tax-free and withdraw anytime, for any goal.

 RRSP: Retirement Builder
 Registered Retirement Savings Plan — contributions are tax-deductible; withdrawals are taxed later.

RESP: Education Focused
 Registered Education Savings Plan — grow funds for a child’s education with government grants.

FHSA: First Home Buyer
 First Home Savings Account — save for your first property with both tax deductions and tax-free withdrawals.
Key Takeaway
 All four offer tax advantages — choose based on your goal: flexibility (TFSA), retirement (RRSP), education (RESP), or home (FHSA).

TFSA vs. RRSP vs. RESP vs. FHSA

Slide 1
Canada’s 2025 budget invests $89.7B to speed housing, modular builds, and lower financing costs.

Slide 2
Build Canada Homes targets 4,000 units, modular construction cuts timelines 50% and emissions 20%.

Slide 3
Mortgage bond expansion boosts rental project liquidity, lowering borrowing costs amid rising interest rates.

Slide 4
Projected $3,000 wage growth improves debt ratios, easing mortgage entry for first-time buyers.

Slide 5
$115B infrastructure plus trade upgrades stabilize material costs, indirectly supporting housing affordability long-term.