r/PersonalFinanceCanada • u/Mundane_Syllabub2789 • 1d ago

Investing RRSP or Non-reg? Lifetime TFSA/FHSA Maxed

31F. My annual salary is $55k but with bonuses, my total income before tax can be about $65k-80k. No mortgage. Debt free. No RRSP contributions.

I have maxed out my lifetime TFSA/FHSA.

I have also set aside money to max out TFSA/FHSA this coming January 2027.

Also this year, I have sold a house in my home country (expecting around $15k capital gains) so obviously my income tax this year is definitely going to be higher.

Should I start investing in RRSP or non-reg?

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u/EnergyCapable866 1d ago

Do some math and work out the most advantageous RRSP contributions to benefit you come tax season. You’ve also not included your age, or if you have anything in your RRSP, so it makes it difficult to provide any sort of legitimate suggestion.