{"id":1063,"date":"2024-08-08T15:39:00","date_gmt":"2024-08-08T18:39:00","guid":{"rendered":"https:\/\/www.bellvest.ca\/family-wealth-nova-scotia\/resources\/10-things-to-know-about-dividend-tax-efficiency\/"},"modified":"2025-10-01T11:15:10","modified_gmt":"2025-10-01T14:15:10","slug":"10-things-to-know-about-dividend-tax-efficiency","status":"publish","type":"resources","link":"https:\/\/www.bellvest.ca\/family-wealth-nova-scotia\/resources\/10-things-to-know-about-dividend-tax-efficiency\/","title":{"rendered":"10 Things to Know About Dividend Tax Efficiency"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><em>\u201cA stock dividend is something tangible\u2014it\u2019s not an earnings projection; it\u2019s something solid, in hand. A stock dividend is a true return on the investment. Everything else is hope and speculation.\u201d \u2014Richard Russell<\/em><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><span style=\"font-family: 'Nunito Sans', sans-serif; font-weight: 300;\">\u2014 Richard Russell<\/span><\/p>\n<\/blockquote>\n\n\n\n<!--more-->\n\n\n\n<p class=\"wp-block-paragraph\">Earning money is great, but keeping it is even better. Any well-constructed portfolio will plan to optimize after-tax returns through a variety of mechanisms, and dividend income can be especially useful once you understand how the tax credit system works.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">What are dividends?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Companies with excess capital can decide to sit on a war chest of capital, reinvest in their operations, or distribute earnings to shareholders in the form of a dividend.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The latter is common for established companies\u2014if they\u2019ve reached maturity, it\u2019s likely that they\u2019ve already invested in becoming an efficient, stable business, and paying dividends both rewards existing shareholders and entices prospective ones.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While today\u2019s topic is focused on dividends specifically (and because we\u2019ve already published an article regarding tax-efficient investing), here\u2019s a brief overview of how different forms of income are taxed accordingly.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.bellvest.ca\/content-hub\/wp-content\/uploads\/sites\/2\/2025\/06\/Net-After-Tax-Cash-Flow-on-_1_000.webp\" alt=\"Net-After-Tax-Cash-Flow-on-_1_000\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We can categorize income into three broad categories. As seen above, capital gains yield an optimal after-tax outcome, interest income takes quite a toll, and Canadian dividends land somewhere in the middle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So, why even discuss dividends if capital gains are taxed more favourably? Barring the proposed changes to capital gains inclusion rates, non-dividend-paying equities present only one opportunity to generate returns\u2014selling the underlying asset.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Shares in dividend-paying companies have the same opportunity, allowing investors to benefit from potential appreciation. The difference is that they get paid while they wait for the eventual sale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Both the point of sale and the dividends themselves are tax-efficient forms of income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How Are Dividends Taxed in Canada?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">How dividends are taxed varies. Like all forms of income, it depends on your <a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/frequently-asked-questions-individuals\/canadian-income-tax-rates-individuals-current-previous-years.html\">marginal tax rate and provincial laws<\/a>. The differentiating factor for dividends, however, depends on whether they\u2019re eligible or noneligible, their \u201cgross up\u201d rate, and the dividend tax credit (DTC).<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">What Are Eligible Dividends?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Large, publicly traded Canadian corporations that don\u2019t qualify for the small business tax deduction can pay dividends to shareholders from business income that <em>has already been taxed<\/em> at the general corporate rate. The DTC for these dividends is 15.0198%.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">What Are Noneligible Dividends?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Small, privately held Canadian corporations (such as small businesses) can do the same, but pay a lower corporate tax rate, resulting in a less favourable tax credit of 9.0301%.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">What&#8217;s The \u201cGross Up\u201d Rate?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">As stated, dividends are distributed <em>after<\/em> a company has been taxed, and then you get taxed too!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To avoid this double taxation, the Income Tax Act uses the \u201cgross up\u201d mechanism. For eligible dividends, you\u2019ll report 38% more income than what you actually received, whereas noneligible dividends \u201cgross up\u201d by 15% instead.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Double taxation isn\u2019t ideal, and you may be asking yourself, \u201cWouldn\u2019t I want to keep my taxable income lower? Why would I want a 38% increase rather than 15% instead?\u201d That\u2019s where the DTC comes into play.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">What&#8217;s The Dividend Tax Credit?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">It\u2019s a somewhat complicated solution to double taxation, but bear with us\u2014the tax credit is relative to the \u201cgross-up\u201d percentage, so while you are technically reporting a higher income for eligible dividends, the DTC scales up to account for it and produce a more tax-efficient result.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">How Do I Calculate the Dividend Tax Credit?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">Ignoring the differences between provinces (for the sake of brevity), it\u2019s quite simple to calculate the DTC. We\u2019ll illustrate how, with a pair of hypothetical examples where you\u2019ve earned $1,000, \u201cgross up\u201d the income, and apply the DTC while assuming a marginal tax rate of 30%.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The formula is <strong>INCOME x (1+\u201cGROSS UP\u201d RATE) x MARGINAL TAX RATE \u2013 (DTC x \u201cGROSSED UP\u201d INCOME)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Eligible Dividends<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u201cGrossed up\u201d reportable income: <\/strong>$1,000 x 1.38 = $1,380<\/li>\n\n\n\n<li><strong>Taxes owed per marginal rate: <\/strong>$1,380 x 0.30 = $414<\/li>\n\n\n\n<li><strong>DTC tax credit<\/strong>: $1,380 x 0.150198 = $207.27<\/li>\n\n\n\n<li><strong>Taxes owed after DTC credit:<\/strong> $414 &#8211; $207.27 = $206.73<\/li>\n\n\n\n<li><strong>After-tax returns:<\/strong> $1,000 \u2013 206.73 = <span style=\"text-decoration: underline;\">$793.27<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Noneligible Dividends<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u201cGrossed up\u201d reportable income: <\/strong>$1,000 x 1.15 = $1,150<\/li>\n\n\n\n<li><strong>Taxes owed per marginal rate: <\/strong>$1,150 x 0.30 = $345<\/li>\n\n\n\n<li><strong>DTC tax credit<\/strong>: $1,150 x 0.090301 = $103.85<\/li>\n\n\n\n<li><strong>Taxes owed after DTC credit:<\/strong> $345 &#8211; $103.85 = $241.15<\/li>\n\n\n\n<li><strong>After-tax returns:<\/strong> $1,000 \u2013 $241.85 = <u>$758.15<\/u><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For the sake of transparency, if this were exclusively interest income (or foreign dividend income, which is treated similarly), the after-tax returns would be $700, and capital gains at the current inclusion rate of 50% would be $850 at the point of sale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dividends, however, generate income over time, and realized gains would be taxed even more favourably. If you choose to reinvest your distributions, well, the compounding effects can be incredibly lucrative over time.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.bellvest.ca\/content-hub\/wp-content\/uploads\/sites\/2\/2025\/06\/the-power-of-dividends.png\" alt=\"the power of dividends\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">For Business Owners<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Self-employed individuals may have their own unique situation, burdens, and opportunities when it comes to dividend income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">Dividends vs. Salary<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">Entrepreneurs can consider paying themselves dividends as opposed to a salary if they\u2019re operating through a corporation. While this strategy may come with certain benefits (avoiding having to pay CPP contributions as both the <em>employee<\/em> and the <em>employer),<\/em> it also has drawbacks (fails to generate RRSP contribution room) and should be discussed in detail with your Family Wealth Advisor before doing so. For many, the most tax-efficient approach would be to pay yourself a mix of both forms of income.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">Capital Dividends Account<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In terms of triggering capital gains within a corporation, the Capital Dividend Account (CDA) can be a useful tool. As it stands, the CDA is a notional account for private corporations that allows them to pay tax-free capital dividends to shareholders.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The CDA balance is calculated by adding the <em>non-<\/em>taxable portion of capital gains or losses, capital dividends received from <em>other<\/em> corporations, and life insurance proceeds in excess of the policy\u2019s adjusted cost basis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Essentially, 50% of capital gains will be taxed, whereas the other half will go into the CDA and can be distributed to shareholders once a T2054 form has been prepared.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"color: #000000;\">If<em> Budget 2024<\/em>&#8216;s proposed changes to inclusion rates take effect, this tax-efficient method of accessing corporate funds could lose its appeal. Suddenly, only 33.33% of the gains will be eligible within the CDA, as the remainder will be subject to tax.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">Bellwether Global Dividend Strategy<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For income-oriented investors looking for a low-risk portfolio option that exhibits stability and long-term capital appreciation, the Bellwether Global Dividend Strategy could be a suitable choice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As a tax-efficient investment vehicle with global diversification to deliver superior risk-adjusted returns, the Fund is designed to weather heightened market volatility by investing in profitable, proven growth companies. By prioritizing businesses that have a history of paying (and increasing) dividends to shareholders, we can achieve a lower turnover rate to minimize capital gains and further increase after-tax income.<\/p>\n","protected":false},"featured_media":2125,"template":"","resources-categories":[19],"resources-type":[7],"class_list":["post-1063","resources","type-resources","status-publish","has-post-thumbnail","hentry","resources-categories-tax-planning","resources-type-blog-post"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>10 Things to Know About Dividend Tax Efficiency - Nova Scotia Family Wealth<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bellvest.ca\/family-wealth-nova-scotia\/resources\/10-things-to-know-about-dividend-tax-efficiency\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"10 Things to Know About Dividend Tax Efficiency\" \/>\n<meta property=\"og:description\" content=\"\u201cA stock dividend is something tangible\u2014it\u2019s not an earnings projection; it\u2019s something solid, in hand. 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Everything else is hope and speculation.\u201d \u2014Richard Russell \u2014 Richard Russell\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.bellvest.ca\/family-wealth-nova-scotia\/resources\/10-things-to-know-about-dividend-tax-efficiency\/\" \/>\n<meta property=\"og:site_name\" content=\"Nova Scotia Family Wealth\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bellwetherinvestments\/\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-01T14:15:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.bellvest.ca\/family-wealth-nova-scotia\/wp-content\/uploads\/sites\/24\/2025\/08\/Dividend-tax-efficiency.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.bellvest.ca\\\/family-wealth-nova-scotia\\\/resources\\\/10-things-to-know-about-dividend-tax-efficiency\\\/\",\"url\":\"https:\\\/\\\/www.bellvest.ca\\\/family-wealth-nova-scotia\\\/resources\\\/10-things-to-know-about-dividend-tax-efficiency\\\/\",\"name\":\"10 Things to Know About Dividend Tax Efficiency - 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Nova Scotia Family Wealth","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.bellvest.ca\/family-wealth-nova-scotia\/resources\/10-things-to-know-about-dividend-tax-efficiency\/","og_locale":"en_US","og_type":"article","og_title":"10 Things to Know About Dividend Tax Efficiency","og_description":"\u201cA stock dividend is something tangible\u2014it\u2019s not an earnings projection; it\u2019s something solid, in hand. 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