TFSA and RRSP Portfolios

 

Liquid’s TFSA and RRSP Accounts

Here you can see what kind of investments I hold in my Tax Free Savings Accounts and Registered Retirement Savings Plan. 

Here are the TFSA contribution limits by year.

  • 2009 – $5,000
  • 2010 – $5,000
  • 2011 – $5,000
  • 2012 – $5,000
  • 2013 – $5,500
  • 2014 – $5,500
  • 2015 – $10,000
  • 2016 – $5,500
  • 2017 – $5,500
  • 2018 – $5,500
  • 2019 – $6,000
  • 2020 -$6,000
  • Total contribution room = $69,500 

If the spreadsheet below isn’t showing, you can try to go directly to the Google docs page. 

 

Investment vehicle allocation tips:

  • TFSAs are generally good for investing in Bonds, GICs, High interest savings accounts (HISAs), Real Estate Investment Trusts (REITs), and Canadian growth stocks, such as aggressive retail chains and mining/resource companies.
  • Canadian dividend paying stocks already receive a dividend tax credit and will not significantly benefit from a tax shelter so they should be invested outside of TFSAs and RRSPs.
  • U.S. stocks, especially dividend paying ones, are generally best placed in an RRSP. Thanks to the tax treaty between Canada and the U.S. dividend distribution from a U.S. company will not face withholding tax in a Canadian RRSP.

  10 Responses to “TFSA and RRSP Portfolios”

  1. Right on! Nice looking portfolio. Not sure how I hadn’t stumbled across this site earlier…but love seeing how other Canadians are doing on their investment journeys! Keep up the great work.

  2. Curious if you are able to reload your portfolio, I use to see the image show up, but not anymore 🙁 Love this blog btw!

  3. Not working in chrome 🙂 I’ll check IE to see!

  4. How do you keep these Market values updated in a Google Sheet, when they’re constantly changing?

    • If you use the formula =GoogleFinance(“stock symbol”) it will give you the most recent price for the stock. For example in cell A1 you could type =GoogleFinance(“AAPL”) and it would output Apple’s stock price.

      You can use the same concept to find out other security information from Google Finance such as a stock’s volume, earnings, historical data, and more. More details about this function here: https://support.google.com/docs/answer/3093281?hl=en&ref_topic=3105411

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