Container & Membership Guide

Choose your account container & learning tier.

Understand registered accounts in Canada (TFSA, RRSP, FHSA) and the U.S. (Roth IRA, 401k, HSA), plus individual learning passes.

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Account Container Guide

Understanding Tax-Sheltered Containers

An account (TFSA, RRSP, Roth IRA, 401k) is just a tax container. The investments inside determine your market return and risk.

🇨🇦 Canadian Tax-Advantaged Accounts

TFSA (Tax-Free Savings Account)

Contributions are made with post-tax income. All investment growth and future withdrawals are 100% tax-free. Flexible liquidity at any age.

RRSP (Registered Retirement Savings Plan)

Contributions deduct from current income to lower current tax liability. Investment grows tax-deferred until withdrawal in retirement.

FHSA (First Home Savings Account)

Combines RRSP tax deductions with TFSA tax-free withdrawals for eligible first-time home purchases (up to $40k lifetime).

🇺🇸 U.S. Tax-Advantaged Accounts

Roth IRA / Roth 401(k)

Funded with after-tax dollars. All qualified earnings and withdrawals after age 59½ are 100% tax-free. Ideal for low-to-moderate current tax brackets.

Traditional IRA / 401(k)

Pre-tax contributions reduce your current year Adjusted Gross Income (AGI). Taxes are deferred until distributions begin in retirement.

HSA (Health Savings Account)

Triple tax advantage: tax-deductible in, tax-free investment growth, tax-free out for qualified medical expenses when paired with an HDHP.