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@zandry42 When it comes to money, returns matter more than sentiment. I agree with the what they stand for thing, but it’s not a reason to put money with a org/fund. Performance, cost efficiency and strategy matter.And then a lot of funds do performance calc over a period and recalc..

@shogolist4jesus Good question I’m also looking to move mine due to costs but also busy considering options. You have the above direct costs.. and then you have the performance fees aspect which re-adjusts Ie historic base so when market goes up expect that performance fees to go up 🤔

@lovingthetruth Not sure that’s a good thing. TFSA is a good vehicle for longer term like an RA is(16+yr) .. but with greater flexibility on draw down and investment selection with no tax on currency weakness(baked into feeder funds, basically currency devalue means you pay for that as interest...

@frknfly Based on what I’ve been seeing Tyme is the best option for now(they have a cap though). I miss the days when banks use to give decent returns for hold accounts.. seems for the most part this isn’t the case(big 5 banks) except for Tyme. Keep in mind you always want to beat inflation at...

@ann58 My parents did similar via slow transfer annually to kids to keep below donations tax and reduce inheritance tax. It’s like prudent planning along with trusts if fixed assets are substantial. Anyway.. TFSA has a max contribution limit, so I guess it is maxing your cash(hold/bond...