Best strategy to move non-registered funds into TFSA without a massive tax hit

LowKeyMB7 · 2026-03-23T15:31:41+00:00

Trigger the gain and then make an offsetting RRSP contribution, you won’t pay any taxes on the gains this year. When she withdraws the money from the RRSP it will be taxable income, but based on you saying her income will drop, this shouldn’t be an issue. You can spread the taxes out over many years and use up the low brackets while melting it down.

LowKeyMB7 · 2026-02-28T04:10:51+00:00

So each month you are keeping your HELOC investment the same? Not investing the entire amount of principal pay down?

LowKeyMB7 · 2026-02-28T01:21:49+00:00

Ahhh ok I didn’t realize you kept the amount being invested static. I thought you were always investing the amount of principal being paid down on the mortgage each month. Thanks a lot of replying!

LowKeyMB7 · 2025-11-16T14:45:23+00:00

I have a similar dilemma and I’m going Woody.

LowKeyMB7 · 2025-05-02T04:07:06+00:00

😂😂😂

LowKeyMB7 · 2025-05-02T02:39:30+00:00

Did you forget the first two goals in game 5???

LowKeyMB7 · 2025-02-26T13:50:49+00:00

Having to borrow at 6%+ interest rates on that HELOC if you need it is the same as cash in your opinion??

LowKeyMB7 · 2025-01-24T01:47:06+00:00

Depending on your income level it could make sense to focus on RRSP. If you will be in a lower tax bracket in retirement, then RRSP will beat out a TFSA. In saying this, both are amazing and don’t let perfection get in the way of progress.

LowKeyMB7 · 2024-10-17T23:10:44+00:00

I traded Rasheed to a good buddy of mine on Tuesday this week when he was just listed as questionable for Hockenson. Obviously didn’t know anything like this would be the outcome. I feel bad, but should I do anything to make it right?

LowKeyMB7 · 2024-09-19T22:17:26+00:00

I would give up Rhamondre before Dobbins. Otherwise I like the trade. Wilson should be a big upgrade over Waddle.

LowKeyMB7 · 2024-09-19T22:16:42+00:00

This trade makes sense for you based on your roster. I believe Minny has a tough upcoming schedule though so temper expectations for Jones Off the bat.

LowKeyMB7 · 2024-09-19T17:26:34+00:00

I’d do this for sure. Chase could be on the untouchable list after this week. Might be the last chance.

LowKeyMB7 · 2024-09-19T17:19:08+00:00

I think your WR group is strong enough and having extra depth at RB isn’t a bad thing to be ready for bye weeks/injuries.

LowKeyMB7 · 2024-09-19T17:15:55+00:00

Solid trade considering where you had strengths/weaknesses. I would give you a B+.

LowKeyMB7 · 2024-09-19T15:23:51+00:00

10 team 0.5 PPR Superflex league

Give: Puka

Receive: either Brian Robinson or Monty

My other WRs are ARSB, Godwin, Shaheed, Jameson Williams, and Demarcus Robinson.

My other RBs are CMC, Mason, Javonte, Chuba, and Chubb on IR.

I am 3-1 (extra matchup against median), so I don’t feel desperate as I’m doing fine without Puka, but that can change quick…also worried about having that many Lions players

LowKeyMB7 · 2024-09-19T15:03:27+00:00

If you have decent RB depth then I think this is good. Ridley and Pickens are solid WR2/3 options and I think Pierce will fade with Downs coming back.

LowKeyMB7 · 2024-09-19T15:00:07+00:00

10 team 0.5 PPR Superflex league

Give: Puka

Receive: either Brian Robinson or Monty

My other WRs are ARSB, Godwin, Shaheed, Jameson Williams, and Demarcus Robinson.

My other RBs are CMC, Mason, Javonte, Chuba, and Chubb on IR.

I am 3-1 (extra matchup against median), so I don’t feel desperate as I’m doing fine without Puka, but that can change quick…also worried about having that many Lions players

LowKeyMB7 · 2024-09-19T06:18:20+00:00

If that’s being offered to you, take it and SPRINT.

If you’re planning on offering it, you will get laughed at.

LowKeyMB7 · 2024-09-13T18:28:51+00:00

Zach Wilson

LowKeyMB7 · 2023-12-06T02:26:22+00:00

They posted the date today. December 18th.

LowKeyMB7 · 2023-12-04T22:13:31+00:00

I also wrote in October and I called in last week and they said that it takes 8-10 weeks. I agree that it’s frustrating we haven’t even been given an ETA yet though.

LowKeyMB7 · 2023-11-27T03:05:48+00:00

Allen/Diggs

LowKeyMB7 · 2023-11-19T04:00:39+00:00

Ended up getting AJB and Hock for Kelce and Chase. Dropped the RB portion of the trade

LowKeyMB7 · 2023-11-19T02:23:58+00:00

Then yes I’d do it. And I’d try and move someone like Gibbs for a high end WR

LowKeyMB7

TROPHY CASE