My TFSA is not maxed, I have a few investments but nothing crazy. No GICs either. Should I focus on TFSA first, then GICs? I have a large lump of cash just sitting in a chequing account doing nothing as well.
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Do both. TFSA can contain GICs.
Or even better, put a HISA money market fund like $CASH or $PSA in it to get a better interest rate than GICs with more liquidity and similar risk.