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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: Re: Question from Ross on March 23, 2026 re if 5i Subscription is tax deductible.

I believe the Federal Digital News Subscription tax credit is no longer available as of 2025

https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/deductions-credits-expenses/digital-news-subscription.html
Read Answer Asked by Steve on March 25, 2026
Q: Hi.
Just doing my taxes and note a discrepancy between the broker generated proceeds of disposition and the T5008. The difference is that the T5008 includes as proceeds the rollover amount from RPI.UN to RIC. I thought this was a tax deferred rollover. Was there anything that I as a shareholder had to do to secure this or is this an error on the T5008?
Read Answer Asked by Robert on March 24, 2026
Q: I have GLXY in TFSA when it drops TSX listing will there be witholding tax
Read Answer Asked by wayne on March 13, 2026
Q: I am wondering about the tax deductions on the US side when a closed end fund is held in a a LIF account.
Does the US withhold t’as at source?
Thanks.
Read Answer Asked by Catherine on February 26, 2026
Q: Could you explain the difference between these two stocks. What are the dividends for each and are they paid out in US $ or CDN. Which has the better tax treatment, as I understand there is different tax treatments for partnerships. but not sure what the difference is?
Read Answer Asked by Edgar on February 25, 2026
Q: Hello, can you please confirm these 2 ETF would not be subject to Withholding Tax? Also, can you please recommend 2 diversified stock ETF for exposure outside Canada which would not be subject to Withholding Tax, with decent dividend and buy and forget type of security. Thank you.
Read Answer Asked by Pierre on February 23, 2026
Q: With regard to US stocks or ETFs, can you please confirm RRSP and LIRA accounts are treated the same way (not subject to Withholding Tax). Thank you.
Read Answer Asked by Pierre on February 23, 2026
Q: Received my first dividend on this US listed stock in my US Rif. After looking at all the dividends in and deductions out, I calculate I'm paying approx. 47% with holding tax! 37% appears to be on the US side, 10% on the Canadian side. Sound about right to you? If so I'll be selling this right quick!
Also, do I now have to worry about filing US taxes?
Read Answer Asked by Harry on February 19, 2026
Q: To receive US funds I have 23 shares of ABBV, 78 shares BIPC, 62 shares EMA and 74 haes of QSR in a US TFSA account with TD Webroker in Canada.
1. Since the witholding tax is not recoverable should I switch these holdings to a non-registered US account?
2. Though I like the US funds received as dividends, would it be more efficient to switch these to Canadian holdings for the tax credit and hold them in a non-registered Canadian account? please use as many credits as required.
Read Answer Asked by STANLEY on February 12, 2026
Q: I have securities in my RRIF that have a gain. Sometme in 2026 I plan to sell some of these stocks in order to satisfy CRA requirements. Because the stocks that I will be selling have a gain, not a loss I assume that I can buy them immediately in my non registered account. Am I correct in my assumption? Thank You.
Read Answer Asked by Brian on February 09, 2026
Q: In a LIF account, I believe that dividend income, Canadian and US is not taxable, is this correct?
Are there circumstances where it would be, for example, in a Canadian ETF holding US stocks?
Thanks so much.
Read Answer Asked by Catherine on February 05, 2026
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