Hi,

I currently have a high interest savings account within my TFSA. I still have plenty of space on it (tfsa).

A Portion of the money I keep on the HISA is in case of emergencies, but there is nothing on the horizon that makes me think I would need it soon. I do keep adding money into the hisa every month. I have other instruments in my tfsa. I do foresee having enough money to max out my tfsa room next year (including the new year added contribution room).

Is it a smart move to keep a hisa in the tfsa? Or is there a way to have a hisa outside of it? Im thinking about it mainly because of the tfsa room. In case i need to retrieve money from my hisa, it would be a pity to lose that contribution room (i know it gets restored the following year).