RE:RE:Watching for the .20 level to be breachedbuddy is right, anyone that left their 2019 tfsa til now will be in no rush to use it but those that are doing a contribution in 2020 might want to take advantage of the lows that tend to occur as we exit Dec and begin the new year. I will likey just do a transfer-in-kind on the 2nd so I can max my contribution as timing is everything. Pretty sure we'll see good appreciation thru' January.