Hi everyone, I'm new here and am looking for advice regarding TFSA.

I currently have a TFSA with EE, and one with Old Mutual. The returns on the OM account haven't been great and their fees are high, so I'm wanting to transfer my funds to another FSP.

Should I transfer the fees to my EE TFSA and have only one TFSA account with EE or should I transfer the OM funds to another? I've been looking at Sygnia but have read people say their fees are too high for passive investments.

Is Fynbos a reliable place to put my TFSA for long term investment? I am a teacher and will rely heavily on my TFSA when the time comes to retire.

Thanks in advance!

Hi all.
Second time posting here for some advice.

My wife and I (30) recently sold our rental apartment in Somerset west in order to purchase our new home in Gqeberha.
Here are the straight numbers:

New property - R999k @ 9.23%

Proceeds from sale : R499k ✅

Already spent some as follows;
- cleared Wesbank car debt - R35k (11 year old car, still running well and i do all maintenance)
- installed solar (taking bill from 2k to R100 per month) - R92k
- cleared credit card debt - R10k

Remaining funds:

Total direct savings - R475k
Investments (unit trust) - R48k
Retirement fund controlled by work - R40k + new fund they moved over to R20k

What I am trying to decide is should I pay into my access bond. Bring down the monthly contributions?
We have a 18month old and are considering a second.
Also in a very fortunate position where we can afford for my wife to be at home with the child while she finishes her studies.

Please ask more questions if needed.
I have not been in a position to have this much money on hand.

I appreciate this community.

Edit:
Only debt currently is the Bond itself, which is at the full 999k, first payment was done beginning of October.