Personally I can't see that you would not have to observe the rule, they're not going to leave a loophole like that. Captial gains/losses are not considered interest but are treated separately as investments gians/loss and declared in a separate section of the tax form. I would also watch because you are only allowed x [ number of dollars that you can put in one of these accounts yearly and anything over has to be declared or taken out of the account. I would def. check with Revenue Canada before you try it.