Yep, maing , I know. That's the reason I think shares in a large company would be much better then pay the capital gains all the one time. (although I, like SHbeenthere, have mine split equally between Rrsp, TFSA, and regular trading acc. and cap. losses to claim) . It's still better to have shares ,especially like Intel or someone like that who will maintain their value. Then we can sell at our own discretion and/or hang onto our dream product as long as we want.