Contact me to To help jump-start your day, join of coffee and conversation at our Club. The Coffee Club is an informal ga discuss current events, the econo investing, in a relaxed, informal s is a great way to get to know one Coffee Club To help jump-start your day, join us for a c of coffee and conversation at our next Cof Club. We hope you and a gues Rachel or Linda at 519-4 rachel.mccauley@edwar linda.skally@edwardjon to Coffee Club. Contact me today to r We hope you and a guest will join us. Rachel or Linda at 519-474-9356 or e rachel.mccauley@edwardjones.com linda.skally@edwardjones.com by the to Coffee Club. We hope you and a guest will join us. Please ca Rachel or Linda at 519-474-9356 or email rachel.mccauley@edwardjones.com or linda.skally@edwardjones.com by the Tuesday to Coffee Club. Join us Capital gains and how they’re taxed A capital gain is an increase in an asset’s value above the original purchase price. Capital gains are generally taxable when ‘realized’, which is generally when the asset is sold. However, capital gains can also be realized in the form of a mutual fund capital gain distribution, meaning you could have capital gains even if you didn’t sell the fund. These distributions are typically reported to you on a T3 or T5 depending on the type of fund. The Coffee Club is an informal gathering t discuss current events, the economy and investing, in a relaxed, informal setting, an is a great way to get to know one another. Capital gains don’t have a specific tax rate, but rather, have an ‘inclusion rate’, which means that a portion of the capital gain is included in your income. The Government of Canada proposed changes to the capital gains inclusion rate. As of January 1, 2026, your total realized capital gains from all sources in the year are $250,000 or below, 50% of your gain is taxed at your marginal tax rate. For the component of your total realized capital gain above $250,000 in a particular year, 66.67% of the capital gain will be taxed at your marginal tax rate. Stay informed Contact me today to registe Understanding the tax implications of your investments can be challenging but worthwhile, as careful tax planning can help lower your tax bill and create a more tax-efficient investment portfolio. We recommend working with your financial advisor and tax professional to manage your investments and take advantage of any available tax planning opportunities. Edward Jones, its employees and financial advisors cannot provide tax or legal advice. You should consult your attorney or qualified tax advisor regarding your situation. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.
How are your investments taxed? It’s officially tax season, which means your mailbox is probably full of envelopes marked “Important tax documents enclosed.” With so many documents such as T4s, T4RIFs and various T5008s, it can be overwhelming to understand what each form means. Let’s look at how your investments are taxed. Interest income and how it’s taxed Interest is the income you receive from certain types of accounts and investments or from lending money to someone else. The most common accounts and investments that produce interest income include: • Interest on savings accounts and guaranteed investment certificates (GICs) • Interest on fixed-income investments, such as government or corporate bonds • Interest is taxed as ordinary income, with no special tax treatment Dividends and how they’re taxed A dividend is a distribution by a company to its shareholders, although not all companies pay dividends. Dividends received from Canadian companies are eligible for preferential tax treatment, while dividends earned from any foreign companies are taxed as ordinary income. Canadian dividends are taxed according to the type; eligible or non-eligible. Generally speaking, eligible dividends are paid by publicly traded companies such as those on the Toronto Stock Exchange, while non-eligible dividends are paid by private companies which are known as Canadian-Controlled Private Corporations (CCPCs). Both eligible and non-eligible dividends from Canadian corporations are eligible for the dividend tax credit, although the calculations are different depending on the type of dividend. In both cases, however, the dividend tax credit helps reduce the amount of tax owing and hence dividend income is taxed more favourably than interest income.
Hyde Park – Oakridge Villager • June 2025 • Page 5 Rachel B McCauley Financial Advisor 1634 Hyde Park Rd. Contact me today to register! rachel.mccauley@ www.edwardjone EXP 31 DEC 2023 © 2020 EDWA Join us rachel.mccauley@edwardjones.co www.edwardjones.ca/rachel-mcc EXP 31 DEC 2023 © 2020 EDWARD D. JONES & CO � � London, ON N6H 5 519-474-9356 Event Details Coffee Club Join us for coffee, snacks and conversation at our next Coffee Club! EdwardJones ® > edward Rachel B McCau Financial Advisor 1634 Hyde Park Rd. Rachel B McCauley Financial Advisor 1634 Hyde Park Rd. London, ON N6H 5L7 519-474-9356 London, ON N6H 5L7 519-474-9356 - Unit 7 - Unit 7 Rachel B McCauley Financial Advisor 1634 Hyde Park Rd. rachel.mccauley@edwardjones.com www.edwardjones.ca/rachel-mccauley EXP 31 DEC 2023 © 2020 EDWARD D. JONES & CO., L.P. ALL RI > edwardjones.ca Coffee Club To help jump-start your day, join us for a cup of coffee and conversation at our next Coffee Club. The Coffee Club is an informal gathering to discuss current events, the economy and investing, in a relaxed, informal setting, and is a great way to get to know one another. We hope you and a guest will join us. Please call Rachel or Linda at 519-474-9356 or email rachel.mccauley@edwardjones.com or linda.skally@edwardjones.com by the Tuesday prior to Coffee Club. Please call 519-474-9356 or email rachel.mccauley@edwardjones.com by the Tuesday prior to Coffee Club. October 29th, 2022 9:30am - 11:00am November 26th, 2022 9:30am - 11:00am Spring Forward to Health, Happiness and Prosperity December 10th, 2022 9:30am - 11:00am Edward Jones October 29th, 2022 9:30am - 11:00am November 26th, 2022 9:30am - 11:00am June 28 • July 26 9:30 - 11:00am at the Byron Legion, 1276 Commissioners Rd. W. December 10th, 2022 9:30am - 11:00am Edward Jones 1637 Hyde Park Rd. Unit 7 (SW corner of plaza near constru London, ON N6H SL7 Coffee & Snacks are on us. - Unit 7 EdwardJones ® � � Event Details 1637 Hyde Park Rd. Unit 7 (SW corner of plaza near construction) London, ON N6H SL7
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Coffee Club To help jump-start your day, join us for a cup of coffee and conversation at our next Coffee Club. The Coffee Club is an informal gathering to discuss current events, the economy and investing, in a relaxed, informal setting, and is a great way to get to know one another.
Contact me today to register!
We hope you and a guest will join us. Please call Rachel or Linda at 519-474-9356 or email rachel.mccauley@edwardjones.com or linda.skally@edwardjones.com by the Tuesday prior to Coffee Club.
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- Unit 7
London, ON N6H 5L7 519-474-9356 rachel.mccauley@edwardjones.com
Coffee & Snacks are on us.
Rachel B McCauley
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