I try to HODL as much as I can on three fronts.

My TFSA is maxed out for 2025 with CA$100,000 in a bitcoin ETF that yields/dividends 11% average per year and pays it out in the 1st week of every month.

My RRSP has CA$110,000 of the same ETF.

Since I started buying it in early June, they are both up 5% or about CA$10,000. This figure is off because Friday's close was low for most bitcoin ETFs caused by the Galaxy FUD. In mid July, I also converted CA$62,000 in IBIT ETF to the yield ETF, this also sways the 5% profit figure.

I also have 0.076478 coin that I bought at average US$115,660.34. I had a lot more coin but sold it at a profit and put it in TFSA for tax purposes. That was approx CA$100,000 worth.

I 'day trade' bitcoin with a 20:1 margin account that has just over CA$20,000 in it. This means with a 50% margin limit, I can trade CA$200,000 in coin. I usually keep my margin below CA$60,000 in case of huge dips. I tried to buy my way out of several cascading dips in the last week of Feb/2025 and lost CA$31,000 in margin calls. A foolish, rookie mistake that I won't repeat. With CA$60,000 then I only need a 1.66% increase in bitcoin each day to make CA$100 each day. My best month this year was
January with $6780.85 in net trading profit. Since the trading account is offshore, I only need to pay taxes when I bring the money back to Canada. The $26,000 net loss for February will be a tax write off at the end of the year.

I have a CA$25,000 line of credit with one bank and hope to get CA$50,000 with another bank soon. When bitcoin dipped  in early April/2025, I tapped the full $25,000 to buy coin and then converted it back in a few days. $23.72 interest that netted me about $3,000 after I sold the coin again.

My HODL plan is to keep my chequing account just over $4,000 which is the low limit to get all the free services. My day trade account, I keep between $20,000 and $40,000. All income from pensions etc goes into actual coin. At the end of 2025, I will calculate how much coin I need to sell to put into the RRSP ETF for tax relief. I can also add another $7,000 to my TFSA ETF on Jan 1/2026.

If I need money in a hurry I have access to the $25,000 line of credit, $10,000 in paid off credit cards, and $12,000 in bitcoin as of July 26. If the markets are open and the price is up, I can also sell my $100,000 TFSA ETF shares. The $110,000 RRSP shares I would have to pay 10-20% tax on as soon as I withdraw the cash.