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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: Hello 5i team,
A question on tax loss strategy. Is it better to sell stocks now, early October or wait until end of December to do tax loss selling ? Any Pros and cons ?
Read Answer Asked by Bernie on October 11, 2019
Q: Can you transfer shares in kind to a TFSA, and if so does that action trigger a capital gain at the time of transfer?
Read Answer Asked by Robert on October 09, 2019
Q: if one sells a stock at a loss within a registered account, does one still have to wait for 30 days before buying it back, in either that account or a non- registered account? thanks
Read Answer Asked by george on October 01, 2019
Q: 3 part question
1. Are the dividends paid by AW.UN and BEP.UN eligible for the Canadian dividend tax credit ?
2. How safe would you consider the above 7 dividends stocks given the large payout ratios?
3. Do you favor calculating payout ratios using free cash flow?
Thanks
Jeff
Read Answer Asked by JEFF on September 19, 2019
Q: I am a retired investor who has always believed in dividends because of the tax treatment. However, we carry a considerable capital so are unlikely to pay capital gains tax for some time. It would seem then that ROC is actually beneficial so things like REITs should be held in a taxable account with the BCEs and the banks.Am I right?
Thanks
Read Answer Asked by Don on September 05, 2019
Q: Tax advantaged ETFs, those that flowed through interest or dividend income as lower taxed capital gains, were supposedly going to be disallowed in new federal tax legislation (Budget proposal). Did this legislation ever pass into law? Do such ETFs still have a life? Thanks in advance, Ron W
Read Answer Asked by RON on August 30, 2019
Q: If you are focusing on yield (which I need to more, not getting any younger), approximately how much of an upward target would you have to adjust for a non Canadian yield player?

So to simplify, if I was targeting 4% yield canadian stocks what would I need to target yield on a non Canada equity roughly?

Thanks
Mark
Read Answer Asked by Mark on August 29, 2019
Q: I am planning to hold both of these securities, but would like to put one in a cash account and one in a registered account. I would like to know which, based on recent history, provides the highest ROC. I would place that in my cash account. thanks for all the great info you, all your crew and fellow members offer. Thanks, Bill
Read Answer Asked by Bill on August 27, 2019
Q: This is regarding Douglas' question today about selling US listed stocks held in an TFSA. It is my understanding that any buy and sell in an TFSA account, Canadian or US listed, are not subject to tax, and has no bearing on next years's contribution room as long as there is no withdrawal. Please clarify. Thanks
Read Answer Asked by Willie on August 22, 2019
Q: Regarding TFSAs and the withdrawal rule. (I have asked my broker and researched the CRA site, unsuccessfully).
If I transfer an inter-listed Canadian stock to the US registry, and then sell it, what is the contribution room in the following year? Is it the C$ equivalent of the sale, at the time of sale, or the C$ amount at the time of transfer, or the C$ equivalent of he sale proceeds at the time of re-investing? And what exchange rate would be used...…..bid, ask, or middle?
Read Answer Asked by Douglas on August 22, 2019
Q: Is it best to withdraw the minimum amount from a RRIF and draw it down over time. The downside is if there is a significant balance when you die you pay tax at the highest marginal tax rate. What is the significance in leaving the proceeds to charity. Do I avoid the tax?
Read Answer Asked by Donald on August 20, 2019
Q: Can you advise if any of the REITs you would be favourable on have distributions that the dividend tax credit applies to? Thanks. Bill.
Read Answer Asked by Bill on August 20, 2019
Q: In regards to joint accounts, we joined our accounts 10 years ago. All tax information has both our names and the recipient type box is marked as 2 recipients.The sin number is the number of the account that the transferred account was transferred too, and is the first name on the account. Just split all statements for tax purposes. There was no disposition of stocks in the transfer account, just transferred in kind when we combined our accounts.

Mj
Read Answer Asked by M J on August 19, 2019
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