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JackJack · 02-23-2015, 11:50 AM

I've got contribution room for my RRSP for the 2014 year.

Is there a best way to top-up the remaining amount?

Should I contribute to the limit in kind (transfer stock from my Investment Account) or top up with cash?

Currently, if I were to realize any gains from the stocks in my Investment account, I would be on the hook for capital gains tax of 50% correct? Would it be better to transfer some shares into RRSP, and then later 35-40 years down the road, pull it out and only be taxed less? Does it work like that?

02-23-2015, 11:50 AM	#36
JackJack Scoring Winger Join Date: Mar 2006 Exp:	I've got contribution room for my RRSP for the 2014 year. Is there a best way to top-up the remaining amount? Should I contribute to the limit in kind (transfer stock from my Investment Account) or top up with cash? Currently, if I were to realize any gains from the stocks in my Investment account, I would be on the hook for capital gains tax of 50% correct? Would it be better to transfer some shares into RRSP, and then later 35-40 years down the road, pull it out and only be taxed less? Does it work like that?