Accounts
Account types determine how your contributions are treated, how investment growth is taxed, and when you can access your money. Some are designed for retirement (RRSP/401(k)), others for flexible goals (TFSA/taxable brokerage), and others for specific purposes like a first home (FHSA), education (RESP/529), or healthcare (HSA). Choose your country below to see the main account options, what they’re for, and how they generally work.
Registered accounts built for tax efficiency: TFSA and FHSA for flexible goals, RRSP/RRIF for retirement, plus RESP/RDSP for family planning.
- Highlights: TFSA, FHSA
- Retirement: RRSP → RRIF
- Family: RESP, RDSP
- Workplace: RPP (DB/DC), DPSP
A mix of individual and employer plans: IRAs (Traditional/Roth) and 401(k)s, plus HSAs and 529 plans for health and education savings.
- Employer: 401(k), 403(b), 457(b)
- Individual: Traditional/Roth IRA
- Health: HSA (if eligible)
- Education: 529, Coverdell
This section is for general information only (not tax, legal, or financial advice). Rules can change and vary by institution/employer.