People that have been holding 1/2 a million shares for 7 years are more concerned about a little pay back than hiding 2300 shares in Januarys TFSA. These are all honourable objectives of yours but as I said earlier, everyone has a decision of their own to make. After tax money has been discussed on this board to an extreme lenght in the past. We're all concerned about it, however if your money from SLI comes to you as a dividend then thats what it is. The government has a nasty habit of deciding what to call your money.