Hi Ryan,

I’m from Canada and the tax free savings account as described does exist. It sounds too good to be true, the one catch is the annual contribution limit is capped at $5,500 currently, although you can carry forward unused contribution room.

As for the funds. Yes they are funds, made entirely of stocks. So while I don’t hold individual stocks, I don’t agree the title is misleading as 100% of the value of my investments are derived from stocks. Thanks for commenting appreciate the discussion.