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TFSA catch-up vs. Bitcoin — how would you split a bonus?

Bitcoin Reddit

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I'm trying to max out my TFSA (Tax-Free Savings Account) for this tax year and I'm getting a bonus soon. Trying to decide the best way to use it.

Options I'm weighing:

Put most/all of it toward catching up my TFSA so I max out the annual limit before the tax year ends

Put most/all of it into Bitcoin instead

Some kind of 50/50 split

For context if you're not familiar with TFSAs, it's the SA equivalent of a Roth IRA. You get an annual contribution limit (currently R46k) and a lifetime cap (R500k), and anything inside grows completely tax-free. But unlike Bitcoin, unused room in a given tax year is gone for good, you don't carry it forward.

I'm posting here specifically instead of a general investing sub because I feel like Bitcoiners tend to be a bit more balanced on this. Most of you are bullish on BTC but still hold ETFs/index funds too, whereas the generic investing subs tend to have zero exposure to Bitcoin at all and will just tell me to dump everything into index funds without engaging with the BTC side of the question.

So, genuinely asking: if you were bullish on BTC long term but also had tax advantaged room expiring, how would you actually split a windfall like this?

submitted by /u/ArugulaPotential366
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