I'll be joining you soon I hope. A week ago tomorrow I instructed TD Canada Trust to move my wife's TFSA to TD Direct Investing. She has held our conservative investment in there and since ZEN is now derisked imo it makes sense to us to sell her dividend mutual fund, add in the cash from a recently matured GIC and buy more ZEN. Didn't think it would take this long to make a transfer from one TD arm to another. Should have done it October first when the GIC matured.