I should also point out that while there is a potential advantage in this TFSA over-contribution ‘strategy’ there is also a big disadvantage in terms of risk.  If the stock were to go up significantly prior to the new contribution room kicking in on January 1 then it could frustrate any desire to sell because of the advantage tax barrier the CRA has in place.  So, better be sure there are no plans to sell before year end otherwise could be a big bummer if the stock climbed significantly or the company was sold in the interim.