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Unfortunately, an estimated 90% of TFSA’s opened last year were GIC TFSA’s, which makes little sense if the objective is to grow the money.
So take full advantage of them, and avoid making the following mistakes: 1.
RRSP assets can be transferred tax-free between RRSP accounts—and the same goes for TFSAs.
If you have accounts at various financial institutions, consolidating into one plan will make it easier for you to maintain a proper asset mix, evaluate performance and reduce expenses.
An RRSP is primarily intended for your retirement, while you can invest in a TFSA for any short- or long-term financial goals.
Contributing as much as possible to your RRSP has typically been considered the best way to plan for retirement.