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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: Regarding the question from Thomas about taxation of registered assets, it is possible to get authorization from the CRA to waive withholding taxes if the proceeds will be given to charity. You can submit a T1213 form along with a letter detailing your intention. The letter needs to include who your registered account is with, who you will donate the funds to, and assurance that this donation will not push you beyond the annual limit of 75% of income. You then provide the authorization received from the CRA to the RRSP issuer and they don't need to withhold taxes. I have done this the last 2 years from my RRSP, and know that many others have as well.
Read Answer Asked by Alan on July 30, 2025
Q: I want to warn the world of the CRA's plan to tax people "to death" . We were all seduced into avoiding taxation through contributing to our RRSP. Now at retirement it has grown into a substantial tax liability.

My RIFF just keeps on growing every year .
I can't even give my RIFF to charity without it being taxed as income. "Gambling" on high risk Ai stocks has resulted in massive gains with a higher taxable drawdown .

Is there anything people can do ? It's like being in a taxi going the wrong way through a very long tunnel .
Read Answer Asked by Thomas on July 29, 2025
Q: If I sell a US stock at a loss, do I need to wait 30 days before buying the related CDR?
Read Answer Asked by brent on July 22, 2025
Q: Are US stocks and their CDRs unrelated for Canadian tax purposes?
Read Answer Asked by brent on July 21, 2025
Q: What are the chances that US dividend income will be taxed in RRSPs, going forward?
Read Answer Asked by Brad on July 17, 2025
Q: The recent big and beautiful bill passed in the US planned to increase dividend taxes for Canadians. Is that still in place?
Read Answer Asked by hal on July 16, 2025
Q: This is a tax related question. If i have a loss on a company and sell a cover call on it and gets taken away, can i still claim the tax loss on the stock?

Thanks
Read Answer Asked by Marios on July 10, 2025
Q: Thank you for the upgrades. They are very helpful and user friendly.

Could I have your opinion of Newmarket NEU?
More upside or downside from here?
Any insight that you can provide on its fundamentals please.
Which type of investor would this stock be best suited for?

Thank you once again
Jeremy
Read Answer Asked by Jeremy on July 10, 2025
Q: If I sell a stock in an unregistered acct. at a loss, do I still have to include it in my tax's or can I just forget about it, and not bother entering it as a tax loss.

If I move a stock which is at loss from my unregistered account to my TFSA do I still have to enter that stock in my tax's for that year.

Thank you.
Read Answer Asked by Ross on July 04, 2025
Q: Non-resident tax, I'm considering to reduce my percentage of U.S. contents gradually, since nobody knows what to expect from donald...
Hopefully, this eventual new tariff policy wouldn't affect RSSP .
As you notice, some of the ETF posted are all U.S, companies in the case of XHY and NHYB, they both are mainly Bonds or gvt.Bonds,how tariff could affect the two.?

Thanks again to the team

Dan
Read Answer Asked by DANIEL on June 16, 2025
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