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In Kind Transactions

In kind means using assets instead of cash for some purpose.

The advantage of in kind transactions is that the investments do not have to be sold.

In Kind Donations

Donations can be made in kind, by donating securities instead of cash, resulting in the elimination of capital gains taxes on any gains.

In Kind Contributions

In kind contributions to registered savings plans can be made by transferring investments into the account.  Make sure this is not done using investments on which you have a loss, because the loss will be disallowed.

See our article Transfer shares to your registered account, but not at a loss.

In Kind Withdrawals

Withdrawals can be made in kind from an RRSP or a registered retirement income fund (RRIF) by transferring out investments.  See our article on this topic.

In Kind Transfers From RRSP to RRIF

When an RRSP must be converted to a RRIF, all of the RRSP investments can be transferred in kind to the RRIF.

TaxTips.ca Resources

Transfer Shares to Your Registered Account, But Not at a Loss

In Kind Transfers Not on Your T5008?

Revised: October 26, 2023

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