RE:RE:RE:Is anybody buying TOU's baby sister RBY? only $4.23,Just a note. I don't know your age, or your income prospects. My son early on invested in TFSAs even though it didn't reduce his taxes. He figured his income would increase with the rise of wages and promotions, and he would be better off then to invest in in RRSPs I didn't have that choice when I worked. It worked out very nicely for him. He has a nice stash of shares in his TFSA'a and any surplus can go into (self-directed) RRSP's. The former is doing much better than the latter.