TFSA RRSP investing strategy isn't a single answer. It's a different answer depending on when you're asking it. You've got accounts from old jobs you haven't looked at in years. A TFSA you opened because someone told you to. Maybe an RESP. You've been meaning to figure it all out and you haven't, and that's not unusual. It's just expensive.

Jessica Moorhouse talked to a woman in her investing course who specifically requested ETFs from her bank. The advisor nodded, made the trade, sent the paperwork. Moorhouse looked at the statements months later: the advisor wasn't licensed for ETFs. What the woman actually owned was a mutual fund wrapped around ETFs, a different product entirely. She had no idea. That gap between what you asked for and what you actually got is more common than the industry would like you to think.

There may also be money in a forgotten account somewhere with your actual name on it. Federally and provincially, there are tools to find it. Before the season changes, it's worth one afternoon to find out.

Topics: TFSA RRSP investing strategy, ETF mutual fund confusion Canada, life stage investing, unclaimed bank accounts Canada, FHSA first home savings

GUEST: Jessica Moorhouse | jessicamoohouse.com

Originally aired on 2026-02-23