37M, planning to FIRE in mid-40s, so the next handful of years figure to be my highest earning years. Don't plan on buying a home, never really looked into FHSA rules before now, but it appears as of now there's no rule/penalty moving it into RRSP even if 0 contribution room remains.
Was caught a little off-guard by my taxes for 2025 and am trying to find more deduction options, while also having a non-registered account with mutual funds(inheritance I received at 20) that I would like to move into self-directed ETFs but there are large capital gains(100k+). Probably space it out over years so if I was maxing a FHSA contribution for 5 years I could align the numbers.
Is there any reason to be worried about CRA retroactively changing the FHSA account rules for this kind of situation? I do not want an unexpected hit in the future.