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Non-Registered (Investment) Account
The overflow bucket.
The Limit
2026 LimitUnlimited
Always check your CRA My Account for your exact personal limit. Over-contributing attracts penalties!
The Tax Vibe
Post-Tax money in. Taxed on capital gains (50%) and dividends.
Best Used For...
- People who have maxed out TFSA and RRSP
- Very short term parking of cash
Description
This is a regular investment account. You pay capital gains tax on 50% of your profits. You pay tax on dividends. Use this only after your tax-advantaged shelters are full.
Taxation Reality
- Interest: Taxed 100% as income.
- Dividends: Taxed favorably (Dividend Tax Credit).
- Capital Gains: Only 50% of the gain is added to your income and taxed.
Loss Selling
If you sell an investment at a loss, you can use that capital loss to offset capital gains in other years. You cannot do this in a TFSA or RRSP.