: Best for long-term retirement savings. Contributions reduce your taxable income today, but you will pay tax when you withdraw the money in the future.
: A standard personal account with no contribution limits, but all capital gains and dividends are fully taxable. 2. Select a Brokerage Platform
The type of account you use determines how your earnings are taxed. Most beginners start with a to maximize growth.
: Specifically for first-time homebuyers. It combines the benefits of both—tax-deductible contributions (like an RRSP) and tax-free withdrawals (like a TFSA) for a home purchase.
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