CASH.TO Yield Dropped to 1.7%—Better Options in 2026
CASH.TO now yields roughly 2.0-2.15% (not the lower figure some trackers show), down from 4%+ peaks — consistent with the BoC's 2.25% policy rate. For 3-5 year TFSA/FHSA goals, short-term bond ETFs (3.0-3.5%), GICs (3.25-3.75%), and online HISAs (2.5-3.5% ongoing) offer meaningfully better returns. The complete switch guide without losing contribution room.
The 60-Day FHSA Trap Nobody Warned You About
Miss one of the four FHSA qualifying conditions and your $35,000 tax-free withdrawal becomes $35,000 of taxable income ($10,000+ in extra taxes). The October 1 closing deadline, Form RC725, 60-day practical guideline, and step-by-step timing guide for July 2026 buyers.
First-Time Home Buyer Incentives Canada 2026: Every Grant, Rebate and Tax Credit Explained
First-time home buyer incentives Canada 2026: FHSA, HBP, HBTC, new GST exemption up to $50,000, and provincial rebates — learn how to stack every program on the same purchase.