The Globe and Mail reports in its Wednesday edition that Adam Shona, an adviser at TD Wealth, says that if you opened a tax-free savings account in 2009, and made 6 per cent annually, you would have $158,383 by the end of 2024. The Globe's Rob Carrick writes that a 7-per-cent return would get you $173,093, while an 8- and 9-per-cent return would produce $189,339 and $207,283, respectively. It is assumed here that you contributed the annual TFSA maximum on Jan. 1 of each year. The compounded returns shown are money-weighted, which means the performance is based on the size and timing of the deposits. Some context for these numbers: Total accumulated TFSA contribution room from 2009 through 2024 is $95,000. A 6-per-cent return is reasonable to use for TFSA benchmarking if you have a traditionally diversified portfolio with 60 per cent or 70 per cent of its assets in Canadian, U.S. and international stocks and the rest in bonds. More stock market exposure suggests you should benchmark your TFSA using returns set at a higher level. While diversification is recommended by most financial advisers, The Globe's TFSA Trouncers series features investors who have often made concentrated risky bets that paid off brilliantly.