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Fill the tax-free compounding room before anything clever
Low effortBefore holdcos, trusts or private deals: TFSA room for 2026 is $7,000, with cumulative room of $109,000 if never contributed since 2009. RRSP dollar limit is $33,810. Nothing in the structural section beats tax-free compounding on a risk-adjusted basis at this size, and most people are wrong about their own numbers.
First step this weekLog into CRA My Account and read your actual contribution room rather than estimating it. Both figures are stated there.