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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: I am an investor with a long-term view and have always oriented my investment decisions towards growth stocks. I'm retired and I'm starting to want to take less time and decision-making as I get older. I know you are not tax specialists but your answer will surely be enlightening.
I wonder what is the cheapest mode of taxable income between a capital gain and a dividend paid in a taxable account for a Canadian citizen earning less than $80,000 per year.

THANKS

Yves
Read Answer Asked by Yves on September 06, 2023
Q: Can I sell my BNS from my cash account at a large loss and buy it back immediately in my TFSA account or do I need to wait 30 days in order to prevent penalty. Thx James
Read Answer Asked by JAMES on September 05, 2023
Q: Hi 5i Team - I am interested in buying more U.S. stocks and have a non-registered U.S. dollar account as well as a TFSA account in Canadian dollars. Are there any concerns over buying U.S stocks in the TFSA account? eg. Are U.S. capital gains and dividends still tax exempt in a the TFSA. Any advice as to preferences re which account to use would be appreciated.
Read Answer Asked by Rob on September 01, 2023
Q: If investing in US companies that pay dividends, what is the difference in tax treatments if received in a non-registered account or RSP/RIF or TFSA? What is the preferred account to receive these payments? Thanks!
Read Answer Asked by Michael on August 31, 2023
Q: I would like to know how all in one ETFs, that include bonds and stocks, are taxed in a registered account. Is there an advantage to these ETFs versus holding bonds separately which are taxed at a higher rate than stocks?
Read Answer Asked by Mary on August 28, 2023
Q: When deciding what to hold in a non-registered account, is it more important to maintain adequate exposure to the US with something like VUS, or to keep the dividend tax credit with a CDN option like CDZ or XEI?
Read Answer Asked by Alan on August 23, 2023
Q: If investors have their dividends automatically reinvested, will they have to pay tax on the dividends in the current year?
Read Answer Asked by Mary on August 21, 2023
Q: Good morning,

I'm looking at buying an ETF that tracks the S&P 500 for my TFSA account and am considering VFV.CA.

Withholding tax is a concern and given that VFV.CA holds US stocks, would there be a withholding tax on any of the dividends distributed and if so would you kindly recommend a few other similar ETFs that track the S&P 500 where the withholding tax is not a concern. Thank you.
Read Answer Asked by Francesco on August 16, 2023
Q: Last week I bought some shares in BEPC, stock was up next day so I sold for a profit.
In my TD account they took back 10% of the sale, not the profit but the sale. When I contacted TD they said it was a withholding tax and that I will receive a T5013 for my 2023 taxes. So according to this rationale I sold at a profit but now have a loss. TD told me to contact Brookfield to clarify and I am now anticipating a "he said, she said" argument between these 2 groups. Is this something you have encountered before and if so can you advise on how to cut to the chase here.
Read Answer Asked by Steve on August 09, 2023
Q: I have a sizable capital loss for 2023 right now. I'm starting to think of selling some of my winners in my non-reg accounts to wipe that cap loss out this year. Three of the companies where I have capital gains are Hubspot, Mastercard, and The Trade Desk. What strategy would you recommend for me in selling some or all of these 3 positions to erase the capital loss. MA has been a longterm winner for me, but I worry about Fintech competitors eating into their business. I'd appreciate your insights on whether Hubspot has a rosy future or whether its best times are behind it. The Trade Desk is my most confident position, but, of course, I'd appreciate your opinion. Thanks!
Read Answer Asked by Marc on August 02, 2023
Q: I have a significant capital loss on TIXT. I know you're not tax experts, but do you think TIXT is sufficiently independent from T such that if I take my tax loss on TIXT and put the proceeds in T until the 30 days is up before I reinvest in TIXT that CRA would allow the original tax loss? Thank you for all you do. John
Read Answer Asked by John on July 31, 2023
Q: I need assistance deciding which of these stocks I should put in a regular acct and which should be in a TFSA in other words, can you tell me if DIR.UN has a much higher taxable capital gains (and therefore should be ideally in a TFSA)?

Thanks
Read Answer Asked by Mark on July 13, 2023
Q: Not a question but an answer from TD on info I was researching and I notice also A few people were asking about giving shares in lieu of cash to a charity so I thought I would forward the TD answer.

""You can make the donation from your margin account at no fee, all of have to do is obtain a donation form from the chosen charity which should have the receiving party's information pre filled and then you just have to fill in the margin account info for the delivering side.

Once filled out, you can scan in an email pdf format to me and I can submit to our back office who would process it in approx. 2-3 business days.""
Read Answer Asked by Jean on July 04, 2023
Q: hi,
Is the "dividend" paid from ZRE actually treated as "interest" for tax purposes? and therefore, this would be best held in an RRSP? and more generally, in your opinion, which accounts are best for holding CDN vs US dividend stocks, CDN and US growth stocks (ie lots of capital gains ), and fixed income/interest?
cheers and thanks, chris
Read Answer Asked by chris on July 04, 2023
Q: Good morning,
Regarding the question asked by Jean on June 27 about charities and RRSPs I have been searching for general tax information at death on my RIF as well as specific information as it applies to beneficiaries and charities and have come up empty handed. I have tried the CRA by phone and website as well as my financial institution. I seem to be asking the wrong questions or want information that is kept in a black box.
Are you able to point me toward the source(s) of the information you use to answer Jean's question or must I look for a tax accountant.
Thank you for any assistance,
Brian
Read Answer Asked by Brian on June 29, 2023
Q: Hello 5I team: If someone retired with some room in RRSP which is in turn transferred to RRIF can they contribute with no employment income as long as they do not claim for a tax deduction?
Read Answer Asked by Larry on June 26, 2023
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