BTB Real Estate Investment Trust T.BTB.DB.H

Alternate Symbol(s): BTBIF | T.BTB.UN

Real Estate REIT - Diversified

BTB Real Estate Investment Trust (the Trust) is a Canada-based real estate investment trust (REIT). The Trust’s primary objective is to maximize total return to unitholders, to generate stable monthly cash distributions that are reliable and fiscally beneficial to unitholders, to grow the Trust’s assets through internal growth and accretive acquisitions, and optimize the value of its assets through dynamic management of its properties to maximize their long-term value. The Trust invests in industrial, off-downtown core office and necessity-based commercial properties across Canada for the benefit of its investors. The Trust owns and manages approximately 75 properties, representing a total leasable area of approximately 6.1 million square feet. The Trust operates through three segments, which include Industrial, Off downtown core office and Necessity-based retail. The Trust’s operations are located in the provinces of Quebec, Ontario, Alberta and Saskatchewan.

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BTB Real Estate Investment Trust > Are distributions 100% ROC

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Comment by bcscon Mar 31, 2022 12:49pm

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Post# 34563614

RE:RE:Are distributions 100% ROC

The choice between RRSP and a non registered account really depends on the individual tax situation. Capital gains in a non registered account are subject to the inclusion rate(currently 50%) so half of the gain is taxed at your marginal tax rate. In your RRSP 100% of the capital gains are taxable at your marginal tax rate at withdrawl. For me personally, the marginal tax rate in retirement is the same as it was pre-retirement so there is essentially a penalty to capital gains in an RRSP in my situation.
Similarly, the dividend tax credit for elligible dividends is only available for holdings in non registered accounts. IMHO Canadians have been oversold on the benefits of RRSPs

rabnud wrote: reits are all roc except when the fund makes a sale during the year that triggers a gain then that portion is a taxable CG;; once you receive your original investment back then the dist is a 100% taxed as Capital gain;;

Safetrader wrote: I do own multiple REIT, Close End funds and ETF. My understanding is that BTB is deferred tax so ROC. If right, not the best to own in Non-Reg account. The price seems same level than 1 year ago which would mean that 50% of distribution would be taxable and net return would then be roughly 5% since not much share price appreciation. Much better to put in TFSA or RRSP.

Was thinking to buy some in Non-Reg account but maybe not the best. Long time investors feel free to provide your input.