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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: Peter; I searched the Tax questions first but couldn’t find a answer- Re the 30 day rule- is the count of 30 days from the day it was sold or the settlement day? Thanks. Rod
Read Answer Asked by Rodney on August 14, 2019
Q: What portion of the dividend is withheld from US stocks in your TFSA and is there any tax consequences with that
Read Answer Asked by Greg on August 12, 2019
Q: I am 71 yrs of age and must put my rrsp into riff this calendar year am I still able to make a contribution to my rrsp for the tax deduction
Thks
M
Read Answer Asked by Marcel on July 30, 2019
Q: Just a general question on the rules for tax loss selling. If I sell a stock and immediately sell puts on the same stock (expiry more than 30 days in the future). Do I still qualify for the tax benefit? Does the strike price have an impact?

Always appreciate your insight.
Peter
Read Answer Asked by Peter on July 29, 2019
Q: I accepted that your general program is akin to a newsletter and therefore treated my earlier membership as a nontaxable expense, for income tax purposes. Do you have any thoughts on whether the Portfolio Analytics program might more possibly be a tax deduction? If it is, does one need to separate out the cost of the Analytics for the expense claimed, or can the whole amount be used? Thanks for your excellent service.
Read Answer Asked by Leonard on July 29, 2019
Q: ROC— my question is about return of capital.
If I had two companies with no capital gains for three years, one with roc at say 90% with a 5% yield and one company with a straight 5% dividend.
At the end of three years which would be the the best investment? Or is it awash because of taxes.
Thanks, hope this makes sense
Read Answer Asked by Brad on July 29, 2019
Q: À Canadian citizen returning to Canada after working in Australia for 14 years. Can such a person make TFSA’s contributions retroactive ?
This would make an eligible contribution today of $ 63,500.00
I cannot find an answer to this question anywhere.
Thanks
Read Answer Asked by Luc on July 25, 2019
Q: With respect to ROC and reits. Should I as an investor with most assets in registered accounts avoid as a rule those reits with high ROC.
I assume ROC lowers the value of the company with each distribution . In a non registered account tax provisions allow one to offset the original coast by the same , this advantage is lost in a registered account.
Not being an accountant - am I missing something here?
Read Answer Asked by Leon on July 18, 2019
Q: Please clarify which kinds of securities should be held in non-registered accounts vs RRIFs and TFSAs. I have held yield-assets in our RRIFs and capital assets in our TFSAs and personal accounts, preferring to pay capital gains taxes on appreciation in personal accounts than paying full rates on capital appreciation upon withdrawals from RRIFs. What is your advice and are there exceptions?
Read Answer Asked by sam on July 17, 2019
Q: This is a follow up question regarding where to place XEF for tax efficiency. You Stated "These points could be argued, and could be variable based on one's exact situation and tax rate. But we would generally agree with this assessment."

Just wondering which points in my argument could be questioned. Also, if my corp is taxed just under 15% (small business) and my personal tax is low, does the reasoning fit better?

Thanks again,

Fed
Read Answer Asked by Federico on July 05, 2019
Q: If you would have to start new position today what would be your preference LSPD or SHOP and why?

Second question:I have unregistered joint account what is the value of USD holdings in joint account that requires filing T 1135 ,is it market value or book cost at time of purchase.
Andrew.
Read Answer Asked by Andrzej on June 21, 2019
Q: It is possible that next year we may have a minority's govt. in Ottawa between the liberals and ndp. As there is too much govt debt and the ndp will want to increase social spending and perhaps block any pipeline expansion they will need to increase tax revenue.one way would be to increase the capital tax from 50%.We are in our early 80s and were long term investors ,have large capital gains. Does it make sense for us to sell our equities with a view to repurchase them back using the net after tax proceeds? After all eventually we or our estate will have to pay the tax.
Read Answer Asked by Terry on June 21, 2019
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