What do TS, TDA and TFSA mean in the reports and optimizer?

TDA means tax-deferred account. In the Summary Cash Flow report, TDAs is a group of registered accounts, including retirement accounts such as RRSPs and RRIFs. A withdrawal from this group is money taken from accounts already in your plan; it is shown separately from external income. Its tax treatment is calculated using the actual account type.

TS means taxable savings in the Withdrawal Optimizer: non-registered accounts where investment income and realized gains can be taxable. Non-registered accounts are labelled NREGs in the cash-flow reports. TFSA means Tax-Free Savings Account.

These are calculation and reporting groups, not new accounts you need to create. Enter each real account in ACCOUNTS and INVESTMENTS using its actual type and owner. The optimizer combines eligible accounts for its calculations and assigns its suggestions back to accounts.