Different strategies for different account types

Hey there,

We don't typically provide concrete answers to these types of questions. Why? It is near impossible to accurately put forward concrete examples given that everyone's situation is very different.

Where one choses to hold investments (IE RRSP, TFSA, unregistered) is very much individualistic and dependent on one's own tax profile. It is why these decisions are best made in talking with a tax professional. For example, you can make the argument to hold one of Canada's Bank stocks like Royal Bank in either one of these types of accounts - will all depend on the tax strategy associated.

There are some general rules of thumb such as:
- Speculative in unregistered (take advantage loss write-offs to offset gains)
- US Dividend stocks in RRSP (to avoid withholding tax)
- Growth stocks and dividend stocks in TFSA/RRSP respectively

But these are very generic rules and there are plenty of cases where doing something different makes sense. This is why we always defer to tax specialists.

I know this is probably not the answer you were looking for, but it is the most responsible one we can provide.

Mat