I transferred my two daughters TFIAs from SFM to Allan Gray - but I did this through a broker. Basically I had to sign a few forms and the two institutions organised it. The only real thing was we had to sell the SFM products since those werent available on the AG platform. But apparently doing a transfer doesnt affect your TFIA contribution. I am not sure about a normal account - in some ways it would depend on what you hold in the one account on the SFM platform, and if those options are available on the new platform.