Not certain I understand what you're saying here. If I follow, you're suggesting monthly TFSA contributions and thn in February of each year, moving tha TFSA money into a RRSP? Wouldn't this mean tha you'd lose the long-term tax-free compounding advantage that the TFSA offers? Remember that under he current rules, any money withdrawn from a TFSA (as you're suggesting each February) cannot be recontributed to the TFSA until the followng January.