请教：Non-registered Stock Purchase Plan to RRSP

[cgi]

我通过就职公司的Stock Purchase Plan，买过些股票，但这些股票不在RRSP里，属于non-registered plan, 我现在想卖掉一些股票，来买RRSP中的GIC，有什么办法可以合理避税？

如果我现在卖掉non-registered plan的股票，买RRSP里的GIC。这样，卖掉non-registered plan的股票的时候就要交税（Captital Gain）。

是否可能，把non-registered plan的股票转到RRSP里，再卖，然后买RRSP里的GIC，这样因为是在RRSP里卖股票，所以就不用交税（Captital Gain）？

谢谢

 

[超级潜水员]

移的时候也要交税

 

[dkwan]

once you move from (any method) from non-register to register plan will trigger. You can talk to your employer and see if you can invest in TFSA, then transfer from TFSA to RRSP won't trigger CG.

 

[cgi]

Thanks

 

[Edgee]

But when you transfer from non-reg. stocks into TFSA, they will do a "replacement" of stocks, which means you will have to sell your current position & pay capital gain tax but normally stock brokerage will not charge any commission. Either way you have to settle any tax before transfer from non-reg. into reg. plan, always.