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will change GIC in TFSA affect the contribution room?
I purchased some cashable GIC in TD. they opened an TFSA account to hold this GIC. now I want change the GIC to a non-redeemable GIC with higher rate. Just wondering if this will affect the TFSA room this year. I am asking because normally they redeem ...
- supermike
- Sep 21st, 2023 6:17 pm
- Forum: Personal Finance
- Personal Finance
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Sep 21st, 2023 6:17 pm
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TFSA Full, can you sell a stock and buy something else?
I know you cant withdraw and re add without waiting until Jan 1st, but if you leave the money in the TFSA account (wealthsimple) can you buy other stuff if you sell?
- Hellish
- Sep 21st, 2023 1:29 pm
- Forum: Personal Finance
- Personal Finance
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Sep 21st, 2023 1:29 pm
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Transferring money from One TFSA to another
How do I transfer money from one TFSA to another without messing up my contributions? 1 Bank to another..
- Ychanceit
- Sep 20th, 2023 12:02 pm
- Forum: Personal Finance
- Personal Finance
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Sep 20th, 2023 12:02 pm
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Is there a TFSA qualified high interest redeemable GIC available?
We're in a position to invest $50-$75,000 in a TSFA. My wife has her full $88,000 room available. We'd like to be able to access the money in an emergency situation. We were looking at the BMO variable rate 1 year GIC @ 4.4%, but it's only available for non-registered accounts. Is there an alternati...
- smacd
- Aug 28th, 2023 4:33 pm
- Forum: Investing
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TFSA contribution limits if you haven't maxed out
I believe the TFSA contribution limit for 2023 is $6500? If so, just wanted confirmation that I haven't maxed out my TFSA every year since 2009 (will check the CRA website), that if I contribute over $6500 this particular year, that ...
- chadw01
- Aug 28th, 2023 9:01 am
- Forum: Personal Finance
- Personal Finance
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Aug 28th, 2023 9:01 am
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Simplii TFSA 5% promo ends in this month, where to move the money?
Simplii TFSA 5% promo ends in this month, where to move the money next?currently have EQ Bank/Tangerine....Thanks!
- ecgz88
- Aug 16th, 2023 4:14 pm
- Forum: Personal Finance
- Personal Finance
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Aug 16th, 2023 4:14 pm
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TFSA re-contribution room
The cumulative TFSA contribution room since inception to 2023 is $88,000 Suppose over the years, I have contributed to my TFSA account to the max allowed, and it has grown due to equity investment returns to $120,000. If I withdraw ...
- Elfwood
- Jul 28th, 2023 12:13 pm
- Forum: Investing
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tfsa question
so i got lured to simplii deposit my tfsa there. now the promotional interest gone, back to almost nothing saving rate, say if i transfer out to tangerine, from tfsa rule, they say if you get out then cannot use the room in the same year, so ...
- adamgump1
- Jul 25th, 2023 10:38 pm
- Forum: Personal Finance
- Personal Finance
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Jul 25th, 2023 10:38 pm
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Transferring TFSA from BMO to Questrade - would it be considered as withdrawal
Hi , I want to transfer my TFSA from BMO to Questrade . As I have already maxed out my contribution , would transfer be considered as withdrawal and deposit , or just a transfer . Because in first case I would go over my contribution limit
- stevesingh
- Jul 19th, 2023 1:42 pm
- Forum: Personal Finance
- Personal Finance
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Jul 19th, 2023 1:42 pm
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Stocks Canadian accounts cash v tfsa account questions
Hi everyone sorry my question may be little un educated but fact is I really have not much knowledge on how tfsa works with stock accounts. So I have a td account which has canadian cash and tfsa account and also us cash and us tfsa account. Right now have minor stocks in usa ...
- Sach78
- Jul 18th, 2023 10:28 am
- Forum: Personal Finance
- Personal Finance
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Jul 18th, 2023 10:28 am
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Transferring TFSA from BMO to Questrade because of better GIC rates
Hi , I have a TFSA account in BMO , but currently BMO has GIC (18 months) that pays 4.75%. I checked my questrade account and I can buy GICs with Community Trust 5.62% or Equitable Bank 5.44%. Do you think it would be better idea ...
- stevesingh
- Jul 17th, 2023 11:16 pm
- Forum: Investing
- Investing
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Jul 17th, 2023 11:16 pm
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Easy transfers between saving account TFSA and investing TFSA (different institutions)
I want to have a savings account TFSA at EQ or Oaken (good rates), and a direct investing TFSA at RBC or TD. I'd like to be able to easily transfer my money from the savings account TFSA to the direct investing TFSA when the opportunity arises ...
- dentalfloss
- Jul 15th, 2023 3:58 pm
- Forum: Personal Finance
- Personal Finance
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Jul 15th, 2023 3:58 pm
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Transferring out TFSA account from Questrade to Tangerine
I am in the process of a partial transfer of TFSA account from Questrade to Tangerine. Questrade account is currently invested 100% in CASH.TO. The transfer request is for cash value (close to 100% of CASH.TO value). Do you guys know if I need ...
- ross
- Jul 11th, 2023 2:22 pm
- Forum: Personal Finance
- Personal Finance
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Jul 11th, 2023 2:22 pm
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TFSA over-contribution penalty
anyone been able to negotiate with the CRA for a lower penalty? I already filed an appeal but was denied. I was told that I could re-file. I'm thinking that it may be the same story but wanted to know if a lower penalty is possible. Sorry if the topic has already been covered.
- ringworm576
- Jun 27th, 2023 3:09 pm
- Forum: Personal Finance
- Personal Finance
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Jun 27th, 2023 3:09 pm
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Best cash rate outside TFSA
I've got accounts with RBC and TD. How can I access money markets from these two? Should I be looking at an ETF like this? https://www.rbcgam.com/en/ca/products/mutual-funds/rbf261/detail Or can I somehow get into tbills - I'm happy to have the FX risk on CAD USD. Ideally I don't want to be in GIC w...
- georgist
- Jun 24th, 2023 5:26 pm
- Forum: Personal Finance
- Personal Finance
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Jun 24th, 2023 5:26 pm
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Questions about a TFSA overcontribution that was fixed (undone) within minutes.
In the fourth quarter of 2022, Maya (name altered for privacy) accidentally overcontributed into her TFSA. It was for several hundred dollars. Once she realized the mistake, she liquidated enough securities to cover the overcontribution and then made a withdrawal order. All ...
- pleasantpeasant
- Jun 16th, 2023 6:49 pm
- Forum: Personal Finance
- Personal Finance
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Jun 16th, 2023 6:49 pm
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CASH.TO, self directed TFSA at Desjardins Online Broker - best combo for no fee e-investing?
For a parent of mine with basic computing skills and mobility issues, would setting up a self-directed TFSA at Desjardins to buy CASH.TO and do nothing else (maybe withdraw the monthly distributions once or twice a year) be the lowest cost way to enable a high interest savings tax-free account?
- cannon_fodder
- Jun 14th, 2023 7:06 pm
- Forum: Personal Finance
- Personal Finance
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Jun 14th, 2023 7:06 pm
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If you have a gain in your TFSA does it show up in your Proof of Income or Notice of Assessment?
Just wondering how much is shared on that form. Of course it wouldn't be under "Taxable Income" but would it be under "Total Income"? If so, would it also be under "Net Income"?
- MichaelZZZ
- Jun 6th, 2023 7:53 pm
- Forum: Investing
- Investing
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Jun 6th, 2023 7:53 pm
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Moving Funds from Mutual Fund TFSA and High Interest TFSA Saving Account to Chequeing Account
Dear Finance Experts,I am thinking of moving some funds from my TD Mutual Fund TFSA and TD High Interest TFSA Saving account to my TD Chequeing account, will there be any penalty charge? My TD account is All-Inclusive.Thanks!Kevin
- Kalimoor
- Jun 2nd, 2023 6:04 pm
- Forum: Personal Finance
- Personal Finance
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Jun 2nd, 2023 6:04 pm
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[Once] 2023/06/27 - Fidelity Investments Canada TFSA Contest
Enter: https://go.fidelity.ca/TFSA-contest.html Rules: https://go.fidelity.ca/rs/902-MHK-205/images/T%26C%20-%20TFSA%20Contest%20EN.pdf Prize: There will be one (1) prize available to be won. Prize consists of six thousand five hundred Canadian ...
- spooky
- May 17th, 2023 2:47 pm
- Forum: Expired Contests
- Expired Contests
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May 17th, 2023 2:47 pm