The 2011 Canadian Investor Calendar
| January | Tactical Stock Trading – exploit January effect |
| TFSA additional $5000 contribution room for new year starts Jan.1 | |
| ETFs/Mutual Funds – year-end distributions paid in during first few days of month; consider reinvestment of cash | |
| Planning – 1) review portfolio goals, performance and rebalance as required; 2) plan tax strategy | |
| February | ETFs - calculate adjusted cost base for ROC, reinvested dividends; data from ETF providers available by approx. mid-February |
| RRSP contribution deadline March 1st | |
| March | Tax Preparation – gather tax slips, capital gains data; pick best software |
| April | ETFs/Mutual Funds – quarterly distributions paid in during first few days of month; consider reinvestment of cash |
| Income Tax – deadline April 30 for filing and paying tax owed | |
| May | RRSP tax refund to reinvest or pay down loan |
| June | Real Return Bonds – interest payment June 1 |
| July | ETFs/Mutual Funds – semi-annual distributions paid in during first few days of month; consider reinvestment of cash |
| August | |
| September | |
| October | ETFs/Mutual Funds – quarterly distributions paid in during first few days of month; consider reinvestment of cash |
| Canada Savings Bonds – sale begins early October | |
| November | |
| December | Canada Savings Bonds – deadline for purchase Dec.1 |
| Real Return Bonds – interest payment Dec.1 | |
| RESP contribution deadline Dec.31 | |
| RRSP – deadline of Dec.31st in the year you turn 71 years of age is the last day you can contribute to your own RRSP | |
| RRSP/RRIF – deadline of Dec.31st the year you turn 71 years of age for RRSP closure (RRIF conversion, annuity, withdrawal options) | |
| RRIF/LIF/LRIF – deadline of Dec.31st to withdraw annual minimum amount | |
| Trading deadline of Dec.23 (Canada) / Dec.27 (US) to settle in 2011 | |
| Tax Optimization – tax loss selling | |
| TFSA – deadline of Dec.31st to withdraw funds and get the corresponding contribution in 2012 | |
| Monthly | Income ETFs/Mutual Funds |
| Variable | Bonds – semi-annual interest payment date unique to each bond e.g. TERASEN 5.56%15SEP14 pays twice yearly on Sept.15 and 6 months later on March 15 till it matures and the face value principal is paid back on Sept.15, 2014. |
| Stock & Preferred Share Dividends – payment after quarterly financial results, i.e. one of 3 cycles – J(anuary) A(pril) J(uly) O(ctober), FMAN, MJSD. Most companies are on January cycle. Check company website Investor section for exact dates of past payments and future schedule | |
| Note | Deadline date is the day on or before which something can or must be done e.g. income taxes filed May 1st are late |
Links to Topic Resources
Our goal in presenting this calendar is to enhance your efficiency as an investor, so that things are done promptly at the right time. Or, in the words of a man who succeeded in many spheres of life (see this Wikipedia bio),
"Dost thou love life? Then do not squander time, for that is the stuff life is made of."
--Benjamin Franklin (quotation from theotherpages.org)
Disclaimer: this post is my opinion for information only and should not be construed as investment advice. Readers should be aware that while every effort has been made to ensure accuracy, the above dates and information may contain errors and as such, the article's accuracy is not guaranteed. Do your homework before making any decisions and consider consulting a professional advisor.
4 comments:
Here's one that's missing: Dec 31 is the last day to withdraw funds from a TFSA and still get the corresponding contribution room in 2012.
Thanks, Patrick, a good addition to the list.
Hi,
The way you have described about the canadian investor is really appreciative. This makes the post more informative and understandable. Thanks for posting all the necessary information.
Another informative blog… Thank you for sharing it… Best of luck for further endeavor too.
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