Let’s be honest, most of us were never taught how to really use a TFSA. We’re told to open one, maybe put some cash into it, and call it a day. But what if we told you that treating your TFSA like a savings account is actually holding you back?
A Tax-Free Savings Account (TFSA) is one of the most powerful tools Canadians have to build wealth. But it’s often used like a simple piggy bank, sitting there, earning minimal interest, doing very little.
Here’s what many people don’t know:
Your TFSA can hold more than just cash. It can hold real investments. And when those investments earn strong returns, you keep 100% of the growth, tax-free.
At Fluent Capital, we help investors use their TFSA funds to earn 8–12% annually through real estate-backed private lending. That means your TFSA isn’t just “safe”, it’s working.
Let’s break it down:
- Instead of sitting in a GIC or savings product earning 2–3%, your TFSA funds are invested in secured mortgage loans.
- These loans are backed by real property, thoroughly vetted, and designed to generate monthly interest income.
- All of that income stays inside your TFSA and grows without tax, which means your money compounds faster.
It’s the kind of financial move most people don’t realize is even allowed. But not only is it allowed, it’s encouraged. The government created the TFSA to help Canadians build wealth. The key is using it strategically.
So why don’t more people do this?
Because most banks don’t offer private lending options. They keep your TFSA inside their own products, products that benefit them more than they benefit you. They make it feel complicated to do anything different.
That’s where Fluent comes in.
We make the process simple. We’ll help you transfer your TFSA to an approved self-directed account, walk you through the setup, and start putting that capital to work.
There are no hidden fees. No aggressive sales tactics. Just a smarter way to grow what you’ve already saved.
It doesn’t take a lot to get started. But the earlier you start, the more time your investments have to grow tax-free.
Your TFSA shouldn’t just sit.
It should build.
And we’re here to help you do it right.