Thanks for the advice on the "in kind" transfer. This will make it easier. I still have to evaluate the "banks (CIBC) vs. investment site strategy. The first gives me quick transfer options of cash in and out. The second may provide faster trades. I will compare options.

I am in Canada so will not transfer into an RSP when I switch. With the capital gains being taxes at only 40 - 50% of the gain, a tax rate of 50% means that The most I will pay in taxes is 20 - 25%, less carrying costs (I always borrow to invest even if I have the cash in order to write off the interest against the gain).

To withdraw from an RSP if needed is fully taxes as income. In my case, I prefer the liquidity and the low capital gains costs.

Now if only I could convince Mr. Nemis to pay dividends ;)

M1.