Gramymoo I agree. That's exactly the way we are taxed in Canada. And I agree with Johny. He will take it out of the RSP now ,pay 100% at his going tax rate and invest it in his TSFA account. Assuming PTK goes a lot higher he will pay only the tax on as small amount now. Later on when PTK goes to the moon he will pay no tax on all that profit he's going to make in his TSFA. Makes good sense Johny