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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: Example. If I purchased a $1000.00 worth of shares in stock XYZ, the shares are now worth $100.00 and I'm going to sell them. Am I allowed to contribute $900.00 back into my TFSA to make up for the loss?
Read Answer Asked by Colette on April 11, 2019
Q: When we hold u.s. stocks in lif and rif do we have to report if the total in u.s. funds exceeds $100000 or is that only a factor in unregistered accounts.
Read Answer Asked by gene on April 10, 2019
Q: Would you know if MDIV (a US etf) qualifies as a holding in a Canadian RRIF?
Read Answer Asked by William on April 08, 2019
Q: Are the fees for the Portfolio Analytics membership tax deductable?
Not a question, but sharing information. You mentioned fees could be claimed as Carrying Charges. Previously, someone mentioned claiming the fees as Investment Counsel. So far, this has been successful for me. I figure, instead of paying my previous (useless) Advisor about $10K/year, I now receive my advice from 5iResearch.
Read Answer Asked by Helen on March 29, 2019
Q: I currently own Shopify in a non-registered account, with significant gains. Thank you for this recommendation. Do you think it is going to continue with its gains and if so, would it make sense to move it to my TFSA? I will eventually have to take the tax hit on the gains, regardless. I have room in my TFSA to buy it back with the gains that I have made. Thanks
Read Answer Asked by Dave on March 29, 2019
Q: Are the fees for the Portfolio Analytics membership tax deductable
Read Answer Asked by Bruce on March 28, 2019
Q: When filing your income tax return and you have to declare stocks sold in a particular tax year from an open account ( T5008) the CRA requests the Adjusted Cost Base for those stocks/sales. Can I as an individual calculate the ACB or do I have to have my financial institution provide it? If I can calculate it what backup material do I have to provide?
Read Answer Asked by John on March 27, 2019
Q: Good mornng,
Thank you for your prompt and very helpful answer to my question re: Mutual funds/ETFs that do not pay any DISTRIBUTIONS and only generate CAPITAL GAINS.
As a follow up to your general HORIZON Total Return ETFs recommendation, what are your thoughts in terms of appropriateness if I were to split the amount to be invested in each of my minor grandchildrens' Non Registered in-trust accounts as follows: 50% in HXS.CA and 50% in HXT.CA? Your comments/thoughts on these specific ETFs would be most appreciated. Feel free to recommend other ETFs as need be . Thank you.
Read Answer Asked by Francesco on March 25, 2019
Q: would you confirm for me if it is correct that DSC can be deducted from capital gains as outlays and expenses. and would be claimed using schedule 3 when completing my income tax return? thank you
Read Answer Asked by Brenda on March 25, 2019
Q: Concerning Canadian Cies (like FFH or TRP ), paying dividends, but getting a significant part of their revenues from the US or from foreign Cies that they own : Do we get the whole tax credit on their dividends ? Or is it only in proportion of the Canadian portion of the Cie ?
Read Answer Asked by Jean-Yves on March 21, 2019
Q: Does the new digital subscription tax credit apply to our 5i newsletter fees?
Read Answer Asked by Ian on March 20, 2019
Q: Hi, if I hold either of these stocks in a TFSA would they be exempt from any U.S. or foreign tax reporting? From a tax reporting perspective would it be the same as if holding them in an RRSP? Thanks.
Read Answer Asked by Gary on March 18, 2019
Q: In 2018, Metro bought Jean Coutu. I would have preferred to convert a part of my PJc shares into Metro shares in order to defer the capital gain as long as possible. However, I have never received the document offering this choice from Disnat.
I contacted Disnat and the customer service told me that the document with which we had to sign our choice had been sent. I then consulted 2 colleagues who use the Disnat platform and they also confirm that they did not receive this document. The tax bill is important.
Are there any recourse or action to take?
Thank you
Read Answer Asked by Serge on March 06, 2019
Q: Hi,
I would like to read more or get some information on how to
establish strategies to minimize my tax burden and
optimize the disbursement of my investments. Any suggestions on where to start?
Read Answer Asked by Serge on March 05, 2019