{"id":358668,"date":"2026-07-30T16:36:25","date_gmt":"2026-07-30T16:36:25","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/should-i-transfer-stocks-into-my-tfsa\/"},"modified":"2026-07-30T16:36:25","modified_gmt":"2026-07-30T16:36:25","slug":"should-i-transfer-stocks-into-my-tfsa","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=358668","title":{"rendered":"Should I transfer stocks into my TFSA?"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div itemprop=\"articleBody\">\n<h2><strong>Should I transfer stocks into my TFSA?<\/strong><\/h2>\n<p>Thanks to a reader question, I\u2019m going to tackle this question today in this updated post and offer some perspectives including what I\u2019ve done in the past and what we intend to do in the future!<\/p>\n<p>I\u2019ve also updated how I manage our dividend reinvestment plans (DRIPs) across our investment accounts, including inside the TFSA and how we intend to continue funding our TFSA in the future now that we\u2019re no longer working.<\/p>\n<p><strong>Read on!<\/strong><\/p>\n<p><em>\u201cHi Mark,<\/em><\/p>\n<p><em>I don\u2019t know if you have covered this anywhere in your blog but I\u2019ve got a question about transferring shares from non-registered account to a TFSA account. I\u2019m not sure I\u2019ll have necessary cash saved to invest into my TFSA as of or after January 1 (as I have maxed out all my RRSP contribution room). I have shares in BNS, BMO, RY and others and I\u2019m thinking of transferring $5,500 or more worth of shares into my TFSA.<\/em><\/p>\n<p><em>My questions are:<\/em><\/p>\n<ol>\n<li><em>Is this wise?<\/em><\/li>\n<li><em>Will it trigger a capital gain (if I sell)? If so, is that reportable to CRA?<\/em><\/li>\n<li><em>What about calculating the adjusted cost base? I didn\u2019t always keep track but it is doable.<\/em><\/li>\n<\/ol>\n<p><em>Just wondering if you have experience with this.<\/em><\/p>\n<p><em>Thanks. I really enjoy your blog!\u201d<\/em><\/p>\n<p><strong>First of all reader, thanks for being a fan \u2013 always great to hear from readers and get questions!<\/strong><\/p>\n<p>My second thought, I just want to highlight I\u2019m not an accountant \/ tax professional so please be mindful of any decisions I\u2019ve made here with my own portfolio may not apply to you.<\/p>\n<p>Third, let\u2019s tackle those questions!<\/p>\n<h3><strong>Answer #1 \u2013 Is this wise?<\/strong><\/h3>\n<p>Like everything in life, including personal finance decisions, \u201cit depends\u201d!<\/p>\n<p>What I mean is, it depends on your financial plan, goals and tax strategies that you want to employ.<\/p>\n<p>Personally, I\u2019m a fan of <strong>maximizing all registered accounts first<\/strong> (tax-free = TFSA; tax-deferred such as RRSP; tax deferred such as RESP, if you have kids) BEFORE non-registered investing.<\/p>\n<p>From my oldie but goodie file. \ud83d\ude42<\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"Kd0cJvd1hV\">\n<p><a href=\"https:\/\/www.myownadvisor.ca\/ill-continue-to-maximize-my-tfsa-first-because\/\">I\u2019ll continue to maximize my TFSA first because\u2026<\/a><\/p>\n<\/blockquote>\n<p><iframe class=\"wp-embedded-content lazyload\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"\u201cI\u2019ll continue to maximize my TFSA first because\u2026\u201d \u2014 My Own Advisor\" data-src=\"https:\/\/www.myownadvisor.ca\/ill-continue-to-maximize-my-tfsa-first-because\/embed\/#?secret=ZAW0j8MCec#?secret=Kd0cJvd1hV\" data-secret=\"Kd0cJvd1hV\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>This is my reasoning behind registered investing first vs. taxable investing:<\/p>\n<blockquote>\n<p><strong><em>why pay tax today (via taxable investing) when you can let assets grow tax-free (TFSA) or tax-deferred (RRSP)?<\/em><\/strong><\/p>\n<\/blockquote>\n<p>In the early days of this blog, I actually didn\u2019t eat my own cooking.<\/p>\n<p>The TFSA wasn\u2019t around so taxable investing after my RRSP was contributed is what I did.<\/p>\n<p>Then, as of 2009, the TFSA arrived.<\/p>\n<p><iframe class=\"giphy-embed lazyload\" data-src=\"https:\/\/giphy.com\/embed\/ydP5tPYlfdexNcql9q\" width=\"480\" height=\"269\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<p><a href=\"https:\/\/giphy.com\/gifs\/truerealtv-gene-simmons-family-jewels-ydP5tPYlfdexNcql9q\">via GIPHY<\/a><\/p>\n<p>Since 2009 we\u2019ve MAXED out both of our TFSAs as an investment account and been rewarded accordingly with lots of growth.<\/p>\n<p>Ultimately, I believe your desire to invest inside your TFSA, RRSP (and RESP if you have kids) is a personal decision <strong>but I\u2019m biased to always making contributions to the TFSA first,<\/strong> then RRSP in that order.<\/p>\n<p><a href=\"https:\/\/www.cashflowsandportfolios.com\/can-you-retire-using-just-your-tfsa\/\" target=\"_blank\" rel=\"noopener\">In fact, did you know if you JUST focused on your TFSA you could likely retire just with that account!?<\/a><\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"cwuRmmNdt5\">\n<p><a href=\"https:\/\/www.cashflowsandportfolios.com\/can-you-retire-using-just-your-tfsa\/\">Can you retire using just your TFSA?<\/a><\/p>\n<\/blockquote>\n<p><iframe class=\"wp-embedded-content lazyload\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"\u201cCan you retire using just your TFSA?\u201d \u2014 Cashflows and Portfolios\" data-src=\"https:\/\/www.cashflowsandportfolios.com\/can-you-retire-using-just-your-tfsa\/embed\/#?secret=VYw2E2zhNH#?secret=cwuRmmNdt5\" data-secret=\"cwuRmmNdt5\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p><strong><a href=\"https:\/\/www.myownadvisor.ca\/tax-free-investing-tfsas-101\/\" target=\"_blank\" rel=\"noopener noreferrer\">The TFSA is a gift of an account for all adult Canadians to use.<\/a>\u00a0<\/strong><\/p>\n<h3><strong>Answer #2 \u2013 Will it trigger a capital gain (if I sell)? If so, is that reportable to CRA?<\/strong><\/h3>\n<p>It might and yes are my answers.<\/p>\n<p>Again, <em>I\u2019m not a tax professional<\/em> but I\u2019ve done what you are considering in the past.<\/p>\n<p>In my situation years ago, <strong>I sold a non-registered asset<\/strong> and triggered a tiny capital gain in the process. I reported that small gain to the CRA in that tax year.<\/p>\n<p>If your investment when sold triggers a capital gain (i.e., you sold an asset for more than you paid for it), then a percentage of tax must be paid in the year that gain occurred. That gain is added to your regular income in that tax year.<\/p>\n<p>If you want to keep the shares you own (and not sell them for cash first), then I believe transferring shares in-kind in the manner I mentioned above is the way to go.<\/p>\n<p>For the most part, if you have non-registered assets like the Canadian bank stocks you mentioned (disclosure \u2013 I own some of these stocks as well) then you should be able to transfer those stocks in-kind from your non-registered investment account to your self-directed TFSA account at your brokerage.<\/p>\n<p>Consider \u201cin-kind\u201d like \u201cas-is\u201d.<\/p>\n<p><strong>Just know when you transfer shares \/ make an in-kind transfer to your TFSA the CRA considers this a \u201cdeemed disposition\u201d. You technically sold the assets at fair market value (FMV) for your TFSA contribution.<\/strong><\/p>\n<p><a href=\"https:\/\/www.taxtips.ca\/glossary\/deemed-disposition.htm\" target=\"_blank\" rel=\"noopener\">Read on about the deemed disposition here from my friends at TaxTips.<\/a><\/p>\n<p>This means your TFSA contribution amount is the market value at the time of transfer.\u00a0<\/p>\n<p>For tax purposes, you have effectively disposed of the shares in the taxable account, so any capital gain is taxable to you. If however, you have a loss on the shares in your non-registered account <em>before<\/em> making the in-kind transfer then the capital loss is not deductible.<\/p>\n<p>The implications of moving non-registered assets to the TFSA: <span style=\"color: #23292b;\">Deemed dispositions can produce capital gains (or losses) and therefore trigger tax consequences.<\/span><\/p>\n<ol>\n<li>If your non-registered investment is in a gain position, making an in-kind transfer directly into your TFSA will trigger a disposition. You\u2019ll pay tax in the year of the transfer on 50% of the gains but then the asset will be inside your tax-free TFSA going forward to grow and compound away.<\/li>\n<li>If your non-registered investment is in a loss position, making an in-kind transfer directly into your TFSA, you will lose the loss. Regarding the loss position, in order to claim the capital loss you would need to sell your stock(s) in your non-registered account <em>first. <\/em>Then a superficial loss rule kicks in. This rule prevents investors from selling a stock to claim a loss and then buying it back <em style=\"color: #555555;\">right away.<\/em><span style=\"color: #555555;\"> The rule means if you sell a stock outside of the TFSA and buy it back within 30-days, the loss will be denied.<\/span><\/li>\n<\/ol>\n<h3><strong>Answer #3 \u2013 What about calculating the adjusted cost base? I didn\u2019t always keep track but it is doable.<\/strong><\/h3>\n<p>Yes, that\u2019s doable and please do.<\/p>\n<p>Calculating your adjusted cost base (ACB) can be a pain <a href=\"https:\/\/www.myownadvisor.ca\/a-modern-adjusted-cost-base-app-for-canadian-diy-investors\/\" target=\"_blank\" rel=\"noopener\">so I refer to folks to sites like these for support:<\/a><\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"Cjb3okhjfQ\">\n<p><a href=\"https:\/\/www.myownadvisor.ca\/a-modern-adjusted-cost-base-app-for-canadian-diy-investors\/\">A Modern Adjusted Cost Base App for Canadian DIY Investors<\/a><\/p>\n<\/blockquote>\n<p><iframe class=\"wp-embedded-content lazyload\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"\u201cA Modern Adjusted Cost Base App for Canadian DIY Investors\u201d \u2014 My Own Advisor\" data-src=\"https:\/\/www.myownadvisor.ca\/a-modern-adjusted-cost-base-app-for-canadian-diy-investors\/embed\/#?secret=kJyh2SInbz#?secret=Cjb3okhjfQ\" data-secret=\"Cjb3okhjfQ\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p><strong>On my end for what it\u2019s worth, <a href=\"https:\/\/www.myownadvisor.ca\/faqs\/\" target=\"_blank\" rel=\"noopener\">as part of my updated FAQs, I\/we actually don\u2019t DRIP\/reinvest dividends or distributions for any assets inside our taxable accounts any longer.<\/a><\/strong><\/p>\n<p>That means we\u2019ve<strong> turned off DRIPs<\/strong> in our non-registered accounts for a few years now for these reasons in retirement:<\/p>\n<ol>\n<li>Income comes into our taxable accounts every month, to spend as we please.<\/li>\n<li>No need to maintain ACB calculations.<\/li>\n<\/ol>\n<p><em>Very simple in retirement.<\/em><\/p>\n<p>As part of our plan to make future (i.e., 2027) TFSA contributions, we are very likely to sell some non-registered stocks in early 2027, pay our capital gains, and move the proceeds to the TFSA. This will help us shift taxable assets to tax-free assets over a period of many years.<\/p>\n<h3><strong>Should I transfer stocks into my TFSA?<\/strong><\/h3>\n<p>Generally, you can transfer investments in-kind from a non-registered investment account to a Tax-Free Savings Account (TFSA) as long as you have the available TFSA contribution room.<\/p>\n<p>However, you may have to pay tax if the value of the investments has gone up since you purchased them (in other words, you have a capital gain). Once your investments are in the TFSA, they will grow tax free.<\/p>\n<p>Learn more about\u00a0<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/tax-free-savings-account\/types-investments.html\" target=\"_blank\" rel=\"noopener\">in-kind contributions to a TFSA<\/a> \u2013 including what happens if your investments have gone down in value \u2013 from the Canada Revenue Agency when in doubt.\u00a0<\/p>\n<p>Some of you might also wonder in retirement, if you can move assets from your RRSP to TFSA.<\/p>\n<p><em>You can!<\/em><\/p>\n<p>If you transfer an investment from your RRSP to your TFSA, you will be considered to have withdrawn the investment from the RRSP at fair market value. That amount will be reported as an RRSP withdrawal and must be included in your income in that year (like any other RRSP withdrawal during the tax year).\u00a0<\/p>\n<p><strong>Good luck with your decision and thanks for reading. <\/strong><\/p>\n<p>I welcome all other comments on this process as well including our approach for 2027 TFSA funding.\u00a0<\/p>\n<p>Mark<\/p>\n<div id=\"author-bio-box\" style=\"background: #f8f8f8; border-top: 4px solid #cccccc; border-bottom: 4px solid #cccccc; color: #333333\">\n<h3><a style=\"color: #555555;\" href=\"https:\/\/www.myownadvisor.ca\/author\/moa\/\" title=\"All posts by Mark\" rel=\"author\">Mark<\/a><\/h3>\n<div class=\"bio-gravatar\"><img loading=\"lazy\" decoding=\"async\" alt=\"\" src=\"https:\/\/secure.gravatar.com\/avatar\/433b98c17a53e61640e7cbe126c4c1b903db2fdebac178771d21126a731d8c24?s=70&amp;d=initials&amp;r=g&amp;initials=Ma\" srcset=\"https:\/\/secure.gravatar.com\/avatar\/433b98c17a53e61640e7cbe126c4c1b903db2fdebac178771d21126a731d8c24?s=140&amp;d=initials&amp;r=g&amp;initials=Ma 2x\" class=\"avatar avatar-70 photo\" height=\"70\" width=\"70\" itemprop=\"image\"\/><\/div>\n<p class=\"bio-description\">My name is Mark Seed &#8211; the founder, editor and owner of My Own Advisor. As my own DIY financial advisor, I&#8217;ve reached financial independence and I&#8217;ve retired from the workforce in my early 50s. Now, I share my lessons learned for free on this site. Join the newsletter read by thousands every week.<\/p>\n<\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Should I transfer stocks into my TFSA? Thanks to a reader question, I\u2019m going to tackle this question today in this updated post and offer some perspectives including what I\u2019ve done in the past and what we intend to do in the future! I\u2019ve also updated how I manage our dividend reinvestment plans (DRIPs) across [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":358669,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[11046,11266,10632],"dealstore":[],"offerexpiration":[],"class_list":["post-358668","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-stocks","tag-tfsa","tag-transfer"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Should I transfer stocks into my TFSA? - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=358668\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Should I transfer stocks into my TFSA? - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Should I transfer stocks into my TFSA? 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Thanks to a reader question, I\u2019m going to tackle this question today in this updated post and offer some perspectives including what I\u2019ve done in the past and what we intend to do in the future! I\u2019ve also updated how I manage our dividend reinvestment plans (DRIPs) across [&hellip;]","og_url":"https:\/\/fivemor.com\/?p=358668","og_site_name":"Som2ny Network","article_published_time":"2026-07-30T16:36:25+00:00","og_image":[{"width":350,"height":239,"url":"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/07\/Investing-101-e1486423573528.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/fivemor.com\/?p=358668#article","isPartOf":{"@id":"https:\/\/fivemor.com\/?p=358668"},"author":{"name":"admin","@id":"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371"},"headline":"Should I transfer stocks into my TFSA?","datePublished":"2026-07-30T16:36:25+00:00","mainEntityOfPage":{"@id":"https:\/\/fivemor.com\/?p=358668"},"wordCount":1462,"commentCount":0,"publisher":{"@id":"https:\/\/fivemor.com\/#organization"},"image":{"@id":"https:\/\/fivemor.com\/?p=358668#primaryimage"},"thumbnailUrl":"https:\/\/fivemor.com\/wp-content\/uploads\/2026\/07\/Investing-101-e1486423573528.jpg","keywords":["Stocks","TFSA","Transfer"],"articleSection":["Finance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/fivemor.com\/?p=358668#respond"]}]},{"@type":"WebPage","@id":"https:\/\/fivemor.com\/?p=358668","url":"https:\/\/fivemor.com\/?p=358668","name":"Should I transfer stocks into my TFSA? 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