It neither realistic or retelling story, but unethical to give such advise to clients. It does not consider as flexible advise. Also, investment return does not base on historical data.
I agree your way would generate better (and a lot better) return than utilizing the TFSA with least tax efficient investment vehicle, ONLY if you are always on the winning side. It is so call unrealistic. And yes, I do hope the market will go back up in the next two years, and regardless the investments is in normal investment account or TFSA.
I would be more incline to hold investment liked monthly income fund in the TFSA than overly high risk equity fund.
And, I have respect to any occupation, including Financial Advisor.
原帖由 快樂牛郎 於 2009-1-6 20:30 發表 
A financial advisor should be realistic, not only retelling stories from his textbooks. In today's market, it's much more likely to make 50% in two years than the historical average. Of course it's ... |