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TFSAs and RRSPs are investing VEHICLES for taxation purposes. they are not investments.
a bank will offer you a TFSA investment - this is a terminology fuck up and will be a GIC in a TFSA.
I think the majority here are so clueless - as such, get an investment advisor - you'll be ahead of the game by investing something, even better if you invest something regularly.
to be honest i'm very knowledgeable, and i use an investment advisor as in the long run it's easier and will grow my wealth better - i just don't have the time to learn the trading platforms, rebalance my portfolios, etc. i've now just gotten to the stage of my life where i'd rather pay someone to do this for me and get better than market returns (if i don't get at or above market returns, i'll just manage it myself, in a broad world market & fixed income set of etfs)
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