And a Trudeau tax & spend government could very well impose a TFSA lifetime cap at some point (knowing Butts this would be the more punitive cap on market value rather than cap on contributions.  Moreover, with the reduced contribution limit (from $10k to $5.5, with no foreseeable plan to increase even per inflation), the TFSA is not sufficient for workers with no pension to build their retirement savings.    To rectify this, some of the proposed CPC platforms include restoring the limit to 10k and indexing to inflation (Raitt), or eliminating capital gains taxes entirely (Bernier).  Choose wisely indeed.