This is not an ad for Wealthsimple but you should really, really check out Wealthsimple and other alternatives to big banks. Banks pay themselves to handle your money and they pay themselves a lot. That’s your money. You pay banks enough already with interest on credit. The TFSA does a lot for a little and you can select your risk comfort level and how you want to invest. (socially responsible, etc, etc)
If you have an RSSP with a big bank, you can transfer to Questrade for free.
Savings: Banks like RBC charge 1% on mutual funds. Questrade is about 0.25% (after 100k )