RE:RE:Margin vs cash AccountStick within your limits. Always check you Canada cra account at the end of March each year to see your contribution limit. Do not go by what they list in January. It takes the CRA until end of March to update from year before. If you contribute exactly what the cra tells you, you can in January. Then the CRA suddenly adjusts and you in turn quickly withdrawal to meet the new number they will still mail you with a penelty. The CRA receives infor of your contributions from the prior year from your bank. They then take until the end of March to calculate what you can contribute in the current year. They have a disclaimer that it's always your fault unfortunately of any overage. Hope this info helps you decide how to proceed cheers