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Investment Q&A

Not investment advice or solicitation to buy/sell securities. Do your own due diligence and/or consult an advisor.

Q: Hi There, I am interested in considering buying TTP and/or TQCD ETF's for my NonReg account. TTP is the passive Canadian index and TQCD is supposedly actively managed. Is there somewhere that can provide me information on the tax efficiencies of these two ETF's. I would like to get an idea of how they might impact my yearly tax return. Many thanks.
Read Answer Asked by Ian on January 21, 2026
Q: Hello and thanks for a great service. I'm in a high tax bracket and have never utilized Flow Through's. What do you think of them and how would you do your due diligence on them?
Read Answer Asked by Gregory on January 21, 2026
Q: I am getting older and I am trying to simplify my accounts in case my wife or daughter have to take over for whatever reason. I am moving to VBAL and VGRO as all in one type ETFs to make that happen. My question is about taxing: how are these viewed by the CRA?
Read Answer Asked by Wayne on January 13, 2026
Q: I would like to confirm that income from covered call ETFs is treated as capital gains and/or ROC, and income from preferred shares is treated as eligible dividends. If this is correct, I would see them as candidates for both non-registered and registered accounts.
Thank you.
Read Answer Asked by Dennis on January 13, 2026
Q: I am a long time holder of CSU and received a small amount of Topicus shares when they were spun off a few years ago. I am planning to seek the shares as they make up a very small part of my portfolio.
How is the cost base calculated for these shares? Is it based on my CSU cost base? My brokerage account shows a cost of zero which doesn’t seem right.
Thanks
Read Answer Asked by David on January 12, 2026
Q: Any part of their business domiciled in the US gets taxed? Correct?

This has been the case with..."BROOKFIELD INFRASTRUCTURE PARTNERS L P UNITS MLP NON-RES TAX WITHHELD "

This is not happening with my BEP.UN also in my TFSA. These were both purchased in a CAD account I'm likely missing something obvious?

I must have missed something. Thank You
Read Answer Asked by Stephen on January 06, 2026
Q: Do you have a blog entry or past question response related to US listed opportunities that could benefit from the end of tax loss selling? If not, can you provide 10 opportunities that would benefit specifically from this seasonal event? Can you also explain the extent to which tax related selling and potential rebounds occur in the US compared to the Canadian market? Is it just as likely or less likely based on the size of their market and different tax system? Lastly and on the same theme, if CSU is an excellent candidate for a recover from tax related selling, is NOW a US listed candidate for a rebound on a potentially larger scale given the larger following that it has?
Read Answer Asked by Tim on December 22, 2025
Q: I am interested to know your thoughts about US MLPs for Canadian investors. One that’s been on my radar for a while is energy transfer partners. Could you please address the tax issue related to what a Canadian investor must be careful of, or which account would be better to hold an MLP in. In addition, could you list 3 to 5 MLPs that pay wonderful dividends that you would recommend?
Read Answer Asked by Kirk on December 22, 2025
Q: Just sold in our joint account for tax loss can I buy back in an individual account before 30 days and still claim the tax loss jointly?
Read Answer Asked by John on December 20, 2025
Q: Can you recommend a place to park C$, for a US citizen with a Canadian investment account, that will avoid problems with US PFIC rules for US citizens? Thanks.
Read Answer Asked by Martin on December 19, 2025
Q: If I do an in-kind transfer of a security from a non-registered account to my TFSA, and the security is at a loss, is there any way to eventually capture the capital loss, such as when the security is sold within the TFSA. Or is the capital loss gone forever?
Read Answer Asked by Donald on December 19, 2025
Q: Greetings 5i, as Telus drops further, a tax loss strategy could be to BUY now and then SELL part of the position after 30 days assuming the price will go up in the interim. Comments? This assumes that one will need some tax losses in 2026 and would like long term exposure to this company. Thank you.
Read Answer Asked by Barbara on December 11, 2025
Q: Would superficial tax loss apply to this scenario?:
Selling stock at a loss, buying a call option on the same stock and selling the option at a profit within 30 days.

Obviously, if one cashes in the call option within 30 days of selling the stock at a loss, it would be considered a superficial loss, right?

Thanks for the answer and have a nice holidays
Read Answer Asked by Jean on December 09, 2025
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