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To CC: You have already warned me that I will be banned because people complain I am rude. Since this thread is similar to the others giving rise ( I presume ) to those complaints, and it will...

Your statement is wrong and readers looking for advice are interpreting it exactly how you state it: "Upon withdrawal, dividends are taxed at your tax rate". The dividends are NOT taxed. Not while...

I see no benefit from holding US debt in the 'safe' asset-allocation portion of your portfolio. You expose yourself to FX risk with no offsetting return.

But I do see a benefit from holding both...

No books I know of. For basics and also advanced see:
http://members.shaw.ca/retailinvestor/preferreds.html

You have to do your own legwork. We don't know the prices and costs you will be facing. But looking up the cost of ppty, the mortgage payments on the required debt, ppty taxes, ...

Agree. The principal always did belong to her so there is no change in ownership. Its income would now be taxed in her hands according to how she wants to invest it.

Agree with Eagle. Any change in rates will move both factors in your scenario, without any net benefit.

Annuity brokers have been excusing low payouts on low interest rates since 1999 that I am...

To Joncnca: The following has nothing to do with your question. The discussion is now moving toward "how does an RRSP work".

To Bean: Your statement was "upon withdrawal, dividends are taxed...

The OP wants to know whether dividend paying stocks are better held in an TFSA or regular account. And what works best in an unregistered account. There are two steps to the answer.

1) Keep...

Somehow you still don't get the issue. All income of whatever type is not taxed at all inside either the RRSP or TFSA.

I give you the link again that you have not looked at. You will see that...

If you are asking this question because you are considering distributing part of the assets BEFORE finalizing things - don't. Your role exposes you to all kinds of risks. Don't add to them.
...

The Walter Harder link above for marginal tax rates for different income sources deserves a warning. The input required is your TAXABLE income. That is not the same as your actual income. You have...

The math is not simple for determining whether higher MERs are 'worth it' if you cannot transfer money out later. Since the company matches your contribution equally, the MERs must be more than...

Even if title WAS transferred, nothing would be accomplished because the tax rates on active income don't apply to investment income or property income. RevCda does NOT want you hiding those incomes...

Follow the directions in your package for business income reported about half way down the first page of revenues.