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General Comment by John DeGoey

Bias Subject Owned

In a portfolio between bonds, Index ETF’s and dividends, which should go into TFSA, RRSP and non-registered accounts? It would be better to put your bonds in your taxable account and avoid the 50% capital gain on something that actually goes up by putting your stocks into your RRSP and TFSA.

John DeGoey
Portfolio Manager, Industrial Alliance Securities

1 Comment


June 9th 2017 at 10:55am

Why is it better to put stocks in your RRSP? Yes you avoid tax on 50% of the capital gain, but instead must pay tax on 100% of the capital gain, when forced to start withdrawing at 71. A taxable account is never forced to pay tax on the gain, except upon death, and then it's still 50%. Sounds better than 100% to me?

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