Steady may be better than perfect. Why dollar-cost averaging matters.

If clients are saving for a first home, staying consistent matters. A quick explanation of dollar‑cost averaging (DCA) helps them see why investing the same amount on a regular schedule can help reduce the stress of volatility, remove guesswork and keep their First Home Savings Account (FHSA) savings on track — giving you a natural bridge to Equitable’s Grow Your Way Home contest this summer.  

Reinforce that DCA is about time in the market and consistent behaviour, not trying to pick the “perfect moment.” Here are a few talking points to work DCA into your FHSA conversations.  

“Consistency beats guesswork.”  

With DCA, clients contribute a fixed amount on a set cadence (e.g., bi‑weekly). That discipline can help them keep moving toward their saving goals even when headlines are noisy.  

“Different prices, naturally.”  

Regular contributions mean clients buy at various price points over time, which can help smooth out the impact of market ups and downs and also help spread risk.  

 

“Make it automatic.”  

Align DCA to paydays. Automating bi‑weekly FHSA deposits builds habit, helps reduce friction and keeps clients progressing toward their first home.  

As you continue FHSA conversations this summer, remind clients that DCA plus automation helps them participate consistently, through all market conditions. And from May 1 to August 31, 2026, every Equitable FHSA account opened and every deposit to an FHSA account earns automatic entries in Equitable’s Grow Your Way Home contest.  

Use EZcomplete® and EZtransact® to keep contributions seamless and connect with your Director, Investment Sales for additional support, tools and ideas to help you continue these conversations throughout the summer. 

® and ™ denote trademarks of The Equitable Life Insurance Company of Canada. 

Equitable’s Grow Your Way Home contest: No purchase necessary. Contest period is May 1, 2026 to August 31, 2026. Enter by: opening an Equitable FHSA during the Contest Period; making a deposit to your Equitable FHSA during the Contest Period; or submitting a no-purchase entry. Two prizes of $8,000 each to be drawn on September 21, 2026 will be awarded to clients. The servicing advisor for the selected entrant’s relevant FHSA contract is also an eligible winner and will receive a $1,000 prize. Open to legal residents of Canada of the age of majority. Odds of winning depend on number of eligible entries received during the Contest Period. For full contest rules, including no-purchase method of entry, see the full contest rules.