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Turn ‘time in the market’ into client momentum

Turn ‘time in the market’ into client momentum


If clients are saving for a first home, contribution frequency matters. A simple compounding lesson helps them understand why bi‑weekly FHSA deposits can build balances faster than monthly contributions and gives you a natural bridge to Equitable’s Grow Your Way Home contest this summer.


Reinforce that bi‑weekly vs. monthly is about time in the market and consistent behaviour, not market timing. Here are a few talking points to reinforce with clients:

  1. “Earlier dollars work longer.”
    Bi‑weekly contributions get part of the money invested sooner than a month‑end deposit, giving those dollars more days in the market.

  2. “More deposits create more compounding moments.”
    Each deposit can begin earning right away and those earnings can earn too. More frequent contributions increase opportunities for that “interest on interest” effect.

  3. “Make it effortless.”
    Align contributions to clients’ paydays. Automating bi‑weekly deposits helps build habit, removes friction and keeps clients steadily moving toward their first home savings goals.

 

As you continue FHSA conversations this summer, remind clients that contributing more frequently can get their money working sooner. And from May 1 to August 31, 2026, opening an Equitable FHSA account, contributing to their Equitable FHSA, or setting up recurring deposits to their Equitable FHSA 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 contract to which the selected entrant made the deposit 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