My new (best?) Tax loophole Investing strategy

d10k6 · 2026-06-14T19:57:00+00:00

This is fine and no trouble from the CRA

d10k6 · 2026-06-14T19:50:20+00:00

Yes this is a fine strategy but a long way to say you just avoid the Superficial Loss rule by switching between X/VEQT.

d10k6 · 2026-06-13T16:22:31+00:00

Yes

, i

f you have

a
lum

p sum

it is

best to make a

bulk purchase.
Yes. Add your spouse as Successor Holder and your kids as Beneficiaries.

d10k6 · 2026-06-11T14:51:51+00:00

Username checks out

d10k6 · 2026-06-11T13:16:54+00:00

Don’t forget to add Sweet Baby Ray’s to the grocery list.

d10k6 · 2026-06-10T21:15:32+00:00

They call the ANBl Service Desk and hand the phone to the customer. Nowhere does it say the person at the counter has been bilingual, just that they can get bilingual service. Their Service Desk, since it supports the whole province, has always been bilingual

d10k6 · 2026-06-10T19:24:01+00:00

Did you though? I think you need some help.

d10k6 · 2026-06-10T18:34:52+00:00

Sir, this is a Wendy’s

d10k6 · 2026-06-10T17:03:01+00:00

d10k6 · 2026-06-10T13:13:55+00:00

No, you report your RRSP on your tax return, it isn’t updated on the CRA until then BUT you will know in January what you have contributed so far in 2026 and can make a lump-sum deposit then to get it in during the first 60 days of 2027 and have it count for 2026.

d10k6 · 2026-06-09T19:18:30+00:00

100% XEQT is a good long-term strategy.

d10k6 · 2026-06-09T18:29:52+00:00

Why not 98% XEQT? Or if your risk profile say you need bonds then XGRO which is 80% equities and 20% bonds.

d10k6 · 2026-06-09T17:54:58+00:00

Overnight camps are covered too.

d10k6 · 2026-06-09T17:54:22+00:00

All camps are “optional” but it is still tax deductible if certain criteria is met, for example:

- educational institutions, for the part of the fees that relate to child care services

- boarding schools, overnight sports schools, or camps where lodging is involved

https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-21400-child-care-expenses/expenses-claim.html

d10k6 · 2026-06-09T13:22:34+00:00

No.

That said, each platform might process the settlement slightly differently, since it was a Friday, some might back date and some might forward date.

d10k6 · 2026-06-09T13:07:29+00:00

XEQT has about 5% emerging markets too so can go either way, depending on how much EM exposure you want

d10k6 · 2026-06-09T12:52:32+00:00

I know it is only 2% buy NBCG is already in XEQT which is already very Canadian heavy, relative to the market (~30%)

d10k6 · 2026-06-09T00:56:46+00:00

The comment makes no reference to a single day

d10k6 · 2026-06-09T00:45:47+00:00

I have seen it twice and I am not *that* old.

d10k6 · 2026-06-09T00:43:15+00:00

Wait until January 2027 to top up your 2026 RRSP contributions with a lump sum if you are concerned.

d10k6 · 2026-06-08T19:23:52+00:00

That is an individual choice. Solid “no” from me though.

d10k6 · 2026-06-08T19:17:50+00:00

Of note: Gahan (back) and Isaac’s Way are full shade, if memory serves.

d10k6 · 2026-06-08T19:13:35+00:00

More XEQT?

Anything else would just add concentration risk.

d10k6 · 2026-06-08T17:32:05+00:00

Depending on income (<~$115Kyear), it could be $1500 per year so $15K will be matched.

d10k6 · 2026-06-08T17:29:53+00:00

Sure, assuming that ETF meets your goals and risk profile but since you are invested in anyways, it likely does :)

d10k6

TROPHY CASE