The Globe and Mail reports in its Saturday edition that the first-home savings account is coming up to its six-month anniversary with a bit of a scarcity problem. The Globe's Rob Carrick writes that the FHSA is a must-have for anyone saving for a home, and aspiring owners need all the help they can get in building down payments. The rollout of FHSAs by the banks has been slow. Many still show messages on their websites about introducing FHSAs this fall or in 2024. You do not have to wait until your bank or broker gets around to offering FHSAs. A self-directed Wealthsimple FHSA is ideal for the type of person who plans to add money into their account on a regular basis and wants to put it all to work immediately with minimal costs. Stocks and exchange-traded funds can be traded with no commissions, and fractional purchases are available. You can also use your dividends to buy fractional shares. The usual dividend reinvestment plan requires you to have enough dividend income to buy full shares. Pick an asset allocation or HISA ETF -- or both -- and add money to your account as often as you can. Wealthsimple also offers managed FHSAs through its robo-adviser services. Mr. Carrick notes the cost is low at 0.5 per cent.