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Are there rules when trading within registered accounts?



Our response:

Investing activities are able to occur within registered accounts provided investments are considered qualified investments by the Canada Revenue Agency. You should be aware that if you are actively trading in a registered account such as a RRIF, RRSP or TFSA, this trading activity could constitute a business, depending on the circumstances, and you could be subject to income tax on the income earned.  For factors that contribute to the determination if a security transaction should be treated as business income, review Canada Revenue Agency Interpretation Bulletin IT-479R Transactions in Securities.

Contact the Canada Revenue Agency for further questions or speak with a tax professional for advice that fits your personal and financial situation.

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