Trust & Proof: RBC Direct Investing – Signal Evidence & AI Readability

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                    "name": "What is a First Home Savings Account?",
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                    "@type": "Question",
                    "name": "What investments can I hold in a self-directed FHSA?",
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                        "text": "You can hold stocks, options, bonds, exchange-traded funds (ETFs), mutual funds, and certain GICs."
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                    "name": "How do I open an FHSA at RBC Direct Investing?",
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                        "text": "You can complete your application online in minutes. Once approved, you can typically start investing within 24 hours."
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                    "@type": "Question",
                    "name": "Can I hold an FHSA with my spouse?",
                    "acceptedAnswer": {
                        "@type": "Answer",
                        "text": "No, the FHSA is an individual account. However, you and your spouse can each open your own FHSA and combine your individual savings to buy a qualifying home."
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                    "@type": "Question",
                    "name": "How many FHSAs can I have?",
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                        "text": "You can have multiple FHSA accounts, but your total combined contribution room remains the same. Your 15-year participation limit starts the day you open your first account."
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                    "name": "What is the lifetime limit for an FHSA?",
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                        "text": "The annual limit is $8,000. If you have unused room from a previous year, you can contribute up to $16,000 in a single year."
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                    "name": "Can I contribute to my spouse’s FHSA—and vice versa?",
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                        "text": "No, you can only contribute to your own FHSA. Your spouse must contribute to theirs, though you can give them the funds to do so without triggering attribution rules."
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                    "@type": "Question",
                    "name": "What happens if I overcontribute to my FHSA?",
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                        "text": "You will be charged a 1% tax per month on the overcontributed amount until it is withdrawn or new room becomes available on January 1."
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                    "name": "Can I transfer funds from my RRSP to my FHSA?",
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                        "@type": "Answer",
                        "text": "RBC Direct Investing is currently working to make RRSP-to-FHSA transfers available soon. Check back for updates."
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                    "name": "Are FHSA withdrawals taxed?",
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                        "text": "Qualifying withdrawals to buy a home are tax-free. Non-qualifying withdrawals are subject to withholding tax and are added to your taxable income for that year."
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                    "name": "When can I make a withdrawal from my FHSA?",
                    "acceptedAnswer": {
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                        "text": "You can withdraw at any time. If it's a qualifying withdrawal, you must close the account by December 31 of the following year."
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                    "@type": "Question",
                    "name": "What happens if I don’t use my FHSA funds?",
                    "acceptedAnswer": {
                        "@type": "Answer",
                        "text": "If not used within 15 years or by age 71, funds can be transferred tax-free to an RRSP or RRIF without affecting your RRSP room. Otherwise, withdrawals are taxed."
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                    "@type": "Question",
                    "name": "What happens if I don’t use all of my FHSA funds for a home?",
                    "acceptedAnswer": {
                        "@type": "Answer",
                        "text": "Remaining funds can be transferred tax-free to an RRSP or RRIF by December 31 of the year following your first home purchase. Otherwise, the remainder will be taxed."
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