Скачать или смотреть If holding VFV in your RRSP instead of VOO, you're losing 15% of dividends to US withholding

If you're holding VFV in your RRSP instead of VOO, you're losing 15% of every dividend to US withholding tax. Here's the math:

📊 $100K in S&P 500:
• VOO: $1,300/year ✓
• VFV: $1,105/year ✗
You lose: $195/year

📊 $100K in SCHD (3.4% yield):
• SCHD: $3,400/year ✓
• Canadian wrapper: $2,890/year ✗
You lose: $510/year

Over 20 years? That's $10,000-$20,000+ gone to withholding tax.

The fix is simple:
🟢 RRSP: Hold US-listed ETFs (VOO, VTI, SCHD, VYM)
🔵 TFSA/Taxable: Either works

The tax treaty isn't going away - it's CRA, IRS, and both legislatures. Been in place since 1980.

Yes, FX fees matter when you buy. But that's one-time. Withholding tax bleeds you every year, forever.

Questions? Drop them below 👇

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