Stranger said,

"If you take out say $25,000 this year from the TFSA you can only replace up to $5,000 maximum next year".

Exactly. Something to consider. You don't want to have to be leveling this off in a downturn, in years to come. My best advice is to use $10K or two years excess. Unless of course, the assumed profits in the next couple of years outweigh anything else.

strato