Ads keep this website free for you. does not research or endorse any product or service appearing in ads on this site.  Before making a major financial decision you  should consult a qualified professional.

In Kind Transactions
Canadian Tax and
Financial Information Home

What's New

Links & Resources

Site Map

Need an accounting, tax or financial advisor? Look in our Directory.  Use above search box to easily find your topic!   Stay Connected with!


Home  ->  Glossary  -> In-Kind Transactions

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. Resources

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

In Kind Transfers Not on Your T5008?

Revised: October 26, 2023


Copyright © 2002 Boat Harbour Investments Ltd. All Rights Reserved.  See Reproduction of information from

Facebook  | Twitter  |  See What’s New, stay connected with by RSS or Email
The information on this site is not intended to be a substitute for professional advice.  Each person's situation differs, and a professional advisor can assist you in using the information on this web site to your best advantage. 
Please see our legal disclaimer regarding the use of information on our site, and our Privacy Policy regarding information that may be collected from visitors to our site.