Only reason I am asking, you get dinged 31% if you take out over $15000 and you get dinged again because the Canadian / Quebec government consider it income. So honestly, what is the use to have something like this, if you are just going be penalized for saving money.
$15000 turns into $10350 which turns into $9016.75
At least the TFSA you don't get taxed but there is a limit on how much you can put in. If you haven't put in any money since they started in 2009, you deposit $15,000 and whatever you make from it is tax free