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Investment Q&A

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Q: Hi Peter, Yet another question on reporting US threshold limit (Form T1135). Does it apply to RRSP & LIRA accounts as well?If so, do I combine the exposure of both accounts or treat them as individual accounts. Also, does it apply to Bonds and ETF’s as well.
Thanks for the superior service. Much appreciated.Ivan
Read Answer Asked by Ivan on October 16, 2025
Q: Since CDRs are listed on a Canadian exchange I was surprised when in your response to Greg this morning you stated: "CDRs are treated the same as US stocks for tax purposes". My understanding is that US ETFs listed on a Canadian exchange are not subject to form T1145.
Read Answer Asked by Dennis on October 14, 2025
Q: Peter’s email today discussed CDRs
My question is - does this type of investment in US stocks contribute to the $100,000 threshold limit for reporting foreign property (form T1135)?
Read Answer Asked by Greg on October 10, 2025
Q: Further to my recent question about the 30 day stock repurchase rule -
May I repurchase a stock that I have sold with a capital gain in my margin account in less than 30 days? since I am not claiming a capital loss?
Read Answer Asked by Catherine on October 09, 2025
Q: You mentioned CSU year end tax selling as probable. Do you feel the same on TOI & LMN? How do you like these as a current discounted purchase? Especially if you were to leave as a 10 year hold.
Read Answer Asked by Chris on October 09, 2025
Q: Would you please clarify the 30 day rule on stock repurchase.
Does the 30 day rule apply to a TFSA account or to a LIF account?
Read Answer Asked by Catherine on October 09, 2025
Q: If an investor books a large capital gain (and has no losses to offset it), how should it be handled from a tax perspective? Is it OK to wait untill filing to pay the tax on it? Or does the CRA want its cut right away? Thanks.
Read Answer Asked by Martin on October 07, 2025
Q: When does tax loss selling tend to peak? I have some capital to deploy and wonder how patient I should be? Which stocks will you be keeping your eyes on in the upcoming months?
Read Answer Asked by kevin on October 07, 2025
Q: A stock with a high dividend payout that is 95% ROC has an actual dividend payout of only 5%.
What type of account would this type of stock be best held in for tax purposes?
It seems that a margin account would be more tax efficient than a retirement account, where ROC likely is not considered on eventual withdrawal.
Read Answer Asked by Catherine on September 29, 2025
Q: In response to Peter's question today: "If I have CDRs for US companies, do I still pay US withholding tax?" you answered "Yes, outside a RRSP". I understand this withholding tax applies only to dividends?
Read Answer Asked by Dennis on September 17, 2025
Q: If I have CDRs for US companies, do I still pay US withholding tax?
Read Answer Asked by Peter on September 17, 2025
Q: In a CCPC, investment income is taxed at a rate of 50% or more , with a partial refund via the RDTOH mechanism. It is my understanding that Corporate class etfs attempt to recategorize income in the form of capital gains, thus not triggering any income until the item is sold. Is this your understanding?

What is your view of these products? What drawbacks do you see? Are there any hidden fees?

Thank you

Paul
Read Answer Asked by paul on September 12, 2025
Q: I am having trouble with the Return of Capital(ROC) concept in non-registered accounts. Seems like a losing situation as your adjusted cost base is reduced by the ROC leaving you to pay or lose a greater amount, even tho it is a capital gain and not interest. Also a ROC is my original capital that I already paid tax on. Double taxation?? Please explain as simply as possible tho I know you are not tax experts. Thanks
Read Answer Asked by george on August 28, 2025
Q: Good morning.

I have a sizeable amount of US dollars in my TFSA and RRIF accounts and intend to add international investments with that money. I can either just purchase the XEF.u with the US money or go thru the Norbert Gambit process to convert to canadian dollars and then buy the XEF ETF. My question is which would you recommend and also buying XEF.u in my TFSA which I believe is a Canadian listed ETF would there be a 15% US withholding tax on the dividends.

Many thanks.
Read Answer Asked by John on August 27, 2025
Q: My spouse and I have a joint investment account and any capital gain/loss or income generated in this account is reported on a 50/50 basis.
We currently hold 3 CDR in the account for a total ACB of $180,000 CAD.
Can we assume that individually we own $90,000 worth of foreign property and skip filling form T1135 or do we have to file because the account itself is over the $100,000 threshold?
Read Answer Asked by Yvan on August 27, 2025
Q: what is the most tax efficient way to hold cash? would it be with a dividend stock (assuming the stock stays at the same price) or in an interest bearing account
Read Answer Asked by Jean on August 19, 2025
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