.. we should only get taxed when removing the funds from our investment accounts (not for buying and selling within the account). ..having a SDRRSP allows one to avoid tax until which time funds are removed and then are taxed on amount withdrawen. At 71 yrs young you can turn the rrsp into a rift and remembering that Old Age security / CPP are all added into your total income which if your income is over $ 67,000. your Old Age security may - be clawed back. Traps7