Меня один раз оштрафовали за overcontribution в RRSP, больше я не оверконтрибьют.Я в принципе знала, что вернуть свои 5К или ту сумму которую ты сняла, ты сможешь только на следующий год, после снятия, и про штраф слышала.Пример: Since opening her TFSA in 2009, Sarah has contributed $5,000 for 2009, 2010 and 2011. In 2012, Sarah makes another $5,000 contribution to her TFSA. Later that year, she withdraws $3,000 for a trip. Unfortunately, her plans changed and she cannot go. Since Sarah already contributed the maximum to her TFSA earlier in the year, she has no TFSA contribution room left. If Sarah wishes to re-contribute part or all of the $3,000 she withdrew, she will have to wait until the beginning of 2013 to do so. The $3,000 will be added to her TFSA contribution room at the beginning of 2013. If she re-contributes any of the withdrawn amount before 2013, she will have an excess amount in her TFSA and will be charged a monthly tax of 1% on the highest excess TFSA amount for each month that an excess remains in the account.