{"id":6532,"date":"2024-06-11T15:48:02","date_gmt":"2024-06-11T15:48:02","guid":{"rendered":"https:\/\/advisor.wellington-altus.ca\/themahrtinvestmentgroup\/?p=6532"},"modified":"2024-06-27T16:16:02","modified_gmt":"2024-06-27T16:16:02","slug":"to-defer-or-not-to-defer-realizing-capital-gains","status":"publish","type":"post","link":"https:\/\/advisor.wellington-altus.ca\/themahrtinvestmentgroup\/to-defer-or-not-to-defer-realizing-capital-gains\/","title":{"rendered":"To Defer or Not to Defer: Realizing Capital Gains"},"content":{"rendered":"
The proposed* increases to the capital gains inclusion rate have prompted some investors to ask the tax-planning question: To defer, or not to defer?<\/em> Tax deferral is commonly viewed as a way for investors to create greater future returns, since funds that might otherwise go to paying tax can remain invested for longer-term growth. Yet, with increases to the capital gains inclusion rate, individuals may be evaluating the possibility of deferred taxation at higher rates against accelerated taxation at a lower rate.<\/h5>\n

 <\/p>\n

As of June 25, 2024, the capital gains inclusion rate increases from 1\/2 to 2\/3 (50.00 to 66.67 percent) for corporations and trusts, and for individuals on the portion of realized gains in the year that exceeds $250,000.<\/h5>\n

 <\/p>\n

As one scenario, for a realized gain of $100,000 at a marginal tax rate of 48 percent, an investor would save $8,000 in tax by realizing a gain at the 1\/2 inclusion rate, rather than realizing the game at the 2\/3 inclusion rate. However, this comes at the cost of “pre-paying” $24,000 in capital gains taxes. If this amount was instead invested in a portfolio returning 5 percent per year, it would take 9 years of tax-deferred growth at the higher 2\/3 inclusion rate to beat the $8,000 in tax savings.<\/h5>\n

\"\"<\/p>\n

Here are some considerations for individual investors:<\/h5>\n

 <\/p>\n

Spread gains over multiple years<\/strong> – Where possible, consider realizing gains over multiple years to make use of the lower inclusion rate (under $250,000) compared to a larger realized gain in a single year.<\/h5>\n

 <\/p>\n

Harvest gains<\/strong> – Deliberately selling and rebuying stocks to trigger a capital gain may be a way to reset book value over time. This strategy is often considered for years when an investor is in a lower tax bracket, but may be used to capitalize on the lower inclusion rate each year. The decision may depend on a variety of factors such as time horizon, current\/future tax rates and potential growth rate of investments.<\/h5>\n

 <\/p>\n

Donate securities<\/strong> – Assuming the new rules apply to the deemed disposition of assets at death, if you are considering donations to support a legacy, the use of publicly listed securities may be beneficial.<\/h5>\n

\"\"<\/p>\n

 <\/p>\n

Any accrued capital gain is excluded from taxable income and a donation receipt equal to the value of the donated securities will be received.\u00a0Note: For large donations other than in the year of death, the Alternative Minimum Tax may apply<\/em>.<\/h5>\n

 <\/p>\n

Business owners – <\/strong>Evaluate whether certain assets should be held in the corporation or owned personally. For corporations, there is no $240,000 threshold and 2\/3 of realized gains are taxable.<\/h5>\n
<\/h5>\n
Plan ahead – For many, the increased inclusion rate will mean higher future tax liabilities. Planning ahead is important. The use of insurance or other planning techniques may help to cover a higher tax bill, such as on the transfer of a family property or on death. For business owners, the use of corporate-owned insurance or an individual pension plan may support a business’ tax strategy. Forward planning can also help access available exemptions, such as the lifetime capital gains exemption. As tax planning remains an important part of wealth planning, seek advice.<\/h5>\n

 <\/p>\n

* Please note: Legislation has not been enacted at the time of writing.<\/sub><\/h5>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

The proposed* increases to the capital gains inclusion rate have prompted some investors to ask the tax-planning question: To defer, or not to defer? Tax deferral is commonly viewed as a way for investors to create greater future returns, since funds that might otherwise go to paying tax can remain invested for longer-term growth. Yet, […]<\/p>\n","protected":false},"author":189,"featured_media":6543,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","footnotes":""},"categories":[36],"tags":[67],"class_list":["post-6532","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wealth-planning","tag-tax-planning"],"acf":[],"yoast_head":"\nTo Defer or Not to Defer: Realizing Capital Gains - The Mahrt Investment Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/advisor.wellington-altus.ca\/themahrtinvestmentgroup\/to-defer-or-not-to-defer-realizing-capital-gains\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"To Defer or Not to Defer: Realizing Capital Gains - The Mahrt Investment Group\" \/>\n<meta property=\"og:description\" content=\"The proposed* increases to the capital gains inclusion rate have prompted some investors to ask the tax-planning question: To defer, or not to defer? 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