Transfer assets to your TFSA with minimal tax impact

Holding a batch of stocks in a regular account and wanting to tuck them into a TFSA is a common wish, but doing it carelessly can hand you a tax bill you didn't see coming. This piece addresses an investor who bought twenty stocks in a non-registered account that now carry unrealized gains. The core point is that moving shares into a TFSA in kind counts as selling them, so any gain becomes taxable right away, while a loss on a transferred share is denied rather than usable. The column works through how to approach the shift to keep the tax hit manageable, including how timing, which holdings to move, and the option of selling and recontributing cash all factor in. It's a sensible read for anyone sitting on appreciated shares outside their registered accounts who assumes the transfer is a simple, cost-free housekeeping step.