Very sorry if this has already been asked; I searched but couldn't find the exact question I'm asking.
I have a TFSA (with lots of contribution room) and an FHSA.
My TFSA is a growth portfolio for the most part; my main goal for the TFSA is additional (not required) retirement income. My FHSA is much lower risk (GICs) as my time horizon for buying a home is about 20 years sooner than retirement.
My question: Is it a reasonable strategy for me to focus my investment contributions into my TFSA (not the FHSA) throughout the year, allowing them to (hopefully) make more gains, then pull gains from the TFSA to make FHSA contributions toward the end of the year? Other option is to put money into each account every month, but I would likely be missing out on some of the growth in the TFSA as I wouldn't have as much capital to invest there.