{"id":3898,"date":"2016-10-26T19:00:00","date_gmt":"2016-10-27T00:00:00","guid":{"rendered":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding\/"},"modified":"2023-11-01T10:43:25","modified_gmt":"2023-11-01T14:43:25","slug":"tax-loss-selling-building-a-better-understanding","status":"publish","type":"post","link":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding","title":{"rendered":"Tax-loss selling \u2013 building a better understanding"},"content":{"rendered":"

This time of year marks a shift into holiday mode for many individuals and families, often embracing the joys and spirit of the season, whether that means traditional celebrations, get-togethers, travel or otherwise. At the other end of the spectrum (and understandably not as joyous to think about as the holidays), year-end also represents a very important time for tax planning. Among many investors, two of the biggest challenges related to tax are minimizing taxable gains and finding ways to effectively manage losses. It\u2019s here where the technique of tax-loss selling may be advantageous on both accounts. At the highest level, tax-loss selling is a method of selling investment assets that have decreased in value to create a loss, which can then be used to offset capital gains in other areas. Despite its potential upsides, the overall concept of selling at a loss often generates feelings of uncertainty among many individuals because it demands a fundamental shift in mindset away from the age-old notion of \u201cBuy low, sell high,\u201d and it introduces change to the process in a way the investor may not have anticipated. Before ruling it out as an option, however, it\u2019s worthwhile to understand if, when and how tax-loss selling may offer benefits as part of your overall tax-planning strategy. <\/p>

How it works<\/h4>

\tWhen looking at the concept of investing, the basic process involves setting shorter- and longer-term goals, identifying risk tolerance and making decisions based on those factors to ultimately generate gains. Taking it one step further, a crucial part of the process also includes managing those gains and the related tax outcomes, because the reality is that taxes are a real consequence of investing. This in itself highlights the importance of integrating strategies to more effectively deal with the consequences, and that\u2019s where techniques like tax-loss selling come into play. While this article addresses some specific considerations and aspects of tax-loss selling, it is just one of many options and approaches to take into account. For a complete overview of year-end tax planning, as well as more key details about this particular technique, please view \u201cA tax perspective on year-end<\/a>\u201d. <\/p>

\tIn Canada, the income inclusion rate for capital gains is 50 percent, which then gets taxed at an individual\u2019s marginal tax rate. What that means is on a capital gain of $20,000, for example, $10,000 would become taxable income. If that investor was in a 35 percent tax bracket, the taxes owing on the gain would therefore be $3,500. With tax-loss selling, investors are able to sell non-registered assets and investments that have dropped in value (this strategy does not apply to assets held within registered investments such as RRSPs or TFSAs), generating a loss that can then help decrease their tax bill. <\/p> \t

Considerations and limitations<\/h4>

\tThere are a range of factors that need to be addressed before deciding to employ this strategy. If a specific non-registered asset or investment has decreased in value, one of the first things individuals and their wealth and investment advisors need to discuss is whether it still fits with their overall investment objectives and if its risk attributes remain within their tolerance level. In other words, overall investment values and goals should always take priority over potential tax advantages. If the shares are not likely to rebound soon, the tax advantage may be a worthwhile strategy to consider. The next questions that need to be asked are as follows: <\/p>

    \t
  1. Do I have any crystallized (triggered or realized) gains that need to be offset this year? If so, these are the ones that the sale of a loss would offset first.<\/li> \t
  2. Have I realized any capital gains in the last three years? This technique allows current-year unused losses to be applied back three years. <\/li> \t
  3. Do I have unused losses from previous years? Since unused losses may be carried forward indefinitely, it may be more advantageous to use those before harvesting new losses.<\/li> <\/ol>

    \tNote: To ensure your specific circumstances have been properly evaluated in addressing these questions, it is important to consult with a professional tax advisor. <\/em> <\/p> \t

    \tThe main limitation from a tax-laws standpoint individuals need to be aware of with tax-loss selling is what\u2019s termed \u201csuperficial loss.\u201d These rules look at the period of 30 days before and after the sale date, and will deny an individual\u2019s ability to claim a loss if they sell at a loss and then they or an affiliated individual (which is defined as your spouse, a company controlled by you and\/or your spouse, or a trust in which you and\/or your spouse are a majority interest beneficiary) repurchases the same investment in that 61-day window (which includes the sale date) and continues to hold the repurchased investment on the 30th day following the sale. If this occurs, the loss then doesn\u2019t qualify to offset gains for the year and is instead added to the adjusted cost base of the repurchased asset. It\u2019s also worthwhile to note that you can\u2019t get around this rule by repurchasing the same asset in a different account, like an RRSP or TFSA, within the 30 days before or after the sale date or the loss is permanently denied. For those who still want to have some sort of exposure to that type of asset or are fearful about eliminating an investment they have a conviction with, purchasing a similar product is possible. In considering this option, however, it\u2019s important to speak to your advisor to ensure it still suits your investment objectives; keep in mind that investment rationale should always be assessed, and this strategy may not be appropriate for all investors. <\/p>

    \"desktop<\/figure> <\/p>

    \tThe 2016 official deadline for the sale of assets (trade date) in order to realize the losses is December 23, and while this calendar date naturally insinuates that it\u2019s a year-end strategy, that\u2019s not to say it\u2019s the only time. Opportunities for selling at a loss should be considered throughout the year. In general, many investors begin to look at this strategy in the fall, but while it can be done over a couple of months, the best opportunities may not always come at the end of the year, depending on individual circumstances. With that in mind, it\u2019s good practice to review your portfolio with your wealth and investment advisor on a quarterly basis over the course of the year. <\/p>

    <\/p>

    \tAnother key aspect to highlight is that this doesn\u2019t have to \u2014 and often shouldn\u2019t \u2014 be a one-time strategy to offset gains in a particular year. Some individuals may be more inclined to consider this technique in situations or years where gains may be higher than usual or when an event has occurred that triggers a large capital gain (such as the sale of a vacation property, for example). But in the big picture, tax-loss selling may play an important role year after year as part of the overall, long-term approach. <\/p>

    When emotions come into play<\/h4>

    \tWithout a doubt, there\u2019s an influential psychological and emotional element tied to investing, and it\u2019s something that is natural and expected when financial well-being and long-term goals rely on those investments. It\u2019s factors such as these that often make it difficult for many to accept a concept that requires taking a loss. Recognizing that a loss can sometimes be advantageous therefore requires a shift in the more traditional framework of thinking around investing. Oftentimes, human nature and fears of losing out tend to creep in and create a level of unwillingness among some individuals to sell \u2014 and this occurs both at a gain or at a loss. It\u2019s important to recognize, however, that selling \u2014 on both fronts \u2014 is an integral part of investing, because it generates a return while also protecting capital via a phased approach over time. Specifically in regards to losses, when strategized in the right way at the right time, they may also help to reduce the concentrated risk individuals are taking on. <\/p>

    \tWhen it comes to investing, there\u2019s an element of give and take that must be present in order to maintain balance over time as market conditions, personal situations or goals change. Part of what makes that give and take successful is an awareness of and an open mindset towards the full scope of options and strategies available. Depending on individual circumstances and time horizon, investments may sometimes require adjustments and rebalancing along the way. While it won\u2019t always be 100 percent, there are approaches available to help manage risk in the most tax-efficient ways possible, and this is a situation where it\u2019s imperative to consult with a qualified advisor to determine the best options for individual needs. <\/p>","protected":false},"excerpt":{"rendered":"

    How to determine when losses may be a good thing.<\/p>\n","protected":false},"author":0,"featured_media":3901,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"rbcwm_post_date":"","editor_notices":[],"rbc_url_alias":"","rbcwm_featured_desktop_image_position":"","rbcwm_featured_mobile_image_position":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[255],"tags":[],"rbcwm_content_owner":[],"rbcwm_need":[68,84],"rbcwm_segment":[66],"rbcwm_solution":[82],"rbcwm_topic":[94],"rbcwm_channel":[],"rbcwm_format":[],"class_list":["post-3898","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","rbcwm_need-grow","rbcwm_need-protect","rbcwm_segment-individuals-and-families","rbcwm_solution-wealth-planning","rbcwm_topic-your-wealth"],"acf":{"rbcwm_subtitle":"The potential advantages and considerations of this year-end technique.","rbcwm_post_author":[],"rbcwm_custom_breadcrumb_text":"","rbcwm_custom_breadcrumb_link_url":"","rbcwm_disclaimers":{"add_disclosures":["No"],"perspective_disclaimer":["No"],"expandable":[],"omit_from_pages":[],"disclaimer_footnote":""},"rbcwm_insight_cta_id":11937,"rbcwm_pagination":{"next_link":"","next_link_text":"","previous_link":"","previous_link_text":""},"rbcwm_video_duration":"","article_time":"","rbcwm_enable_toc":false,"rbcwm_toc_selector":"h2"},"yoast_head":"\nTax-loss selling \u2013 building a better understanding<\/title>\n<meta name=\"description\" content=\"How to determine when losses may be a good thing.\" \/>\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.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tax-loss selling \u2013 building a better understanding\" \/>\n<meta property=\"og:description\" content=\"How to determine when losses may be a good thing.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding\" \/>\n<meta property=\"og:site_name\" content=\"RBC Wealth Management\" \/>\n<meta property=\"article:published_time\" content=\"2016-10-27T00:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-11-01T14:43:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-content\/uploads\/sites\/5\/2023\/02\/man_plant_office-in-page.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"778\" \/>\n\t<meta property=\"og:image:height\" content=\"518\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Tax-loss selling \u2013 building a better understanding\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Tax-loss selling \u2013 building a better understanding\",\"datePublished\":\"2016-10-27T00:00:00+00:00\",\"dateModified\":\"2023-11-01T14:43:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding\"},\"wordCount\":1452,\"publisher\":{\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-content\/uploads\/sites\/5\/2023\/02\/man_plant_office-in-page.jpg\",\"articleSection\":[\"Investing\"],\"inLanguage\":\"en-CA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding\",\"url\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding\",\"name\":\"Tax-loss selling \u2013 building a better understanding\",\"isPartOf\":{\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-content\/uploads\/sites\/5\/2023\/02\/man_plant_office-in-page.jpg\",\"datePublished\":\"2016-10-27T00:00:00+00:00\",\"dateModified\":\"2023-11-01T14:43:25+00:00\",\"description\":\"How to determine when losses may be a good thing.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding#breadcrumb\"},\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding#primaryimage\",\"url\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-content\/uploads\/sites\/5\/2023\/02\/man_plant_office-in-page.jpg\",\"contentUrl\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-content\/uploads\/sites\/5\/2023\/02\/man_plant_office-in-page.jpg\",\"width\":778,\"height\":518},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Tax-loss selling \u2013 building a better understanding\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/#website\",\"url\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/\",\"name\":\"RBC Wealth Management\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-CA\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/#organization\",\"name\":\"RBC Wealth Management\",\"alternateName\":\"RBC Wealth Management\",\"url\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-content\/uploads\/sites\/5\/2023\/02\/rbc.png\",\"contentUrl\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-content\/uploads\/sites\/5\/2023\/02\/rbc.png\",\"width\":3000,\"height\":2000,\"caption\":\"RBC Wealth Management\"},\"image\":{\"@id\":\"https:\/\/www.rbcwealthmanagement.com\/en-ca\/#\/schema\/logo\/image\/\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Tax-loss selling \u2013 building a better understanding","description":"How to determine when losses may be a good thing.","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.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding","og_locale":"en_US","og_type":"article","og_title":"Tax-loss selling \u2013 building a better understanding","og_description":"How to determine when losses may be a good thing.","og_url":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding","og_site_name":"RBC Wealth Management","article_published_time":"2016-10-27T00:00:00+00:00","article_modified_time":"2023-11-01T14:43:25+00:00","og_image":[{"width":778,"height":518,"url":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-content\/uploads\/sites\/5\/2023\/02\/man_plant_office-in-page.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_title":"Tax-loss selling \u2013 building a better understanding","twitter_misc":{"Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding#article","isPartOf":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding"},"author":{"name":"","@id":""},"headline":"Tax-loss selling \u2013 building a better understanding","datePublished":"2016-10-27T00:00:00+00:00","dateModified":"2023-11-01T14:43:25+00:00","mainEntityOfPage":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding"},"wordCount":1452,"publisher":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/#organization"},"image":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding#primaryimage"},"thumbnailUrl":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-content\/uploads\/sites\/5\/2023\/02\/man_plant_office-in-page.jpg","articleSection":["Investing"],"inLanguage":"en-CA"},{"@type":"WebPage","@id":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding","url":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding","name":"Tax-loss selling \u2013 building a better understanding","isPartOf":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding#primaryimage"},"image":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding#primaryimage"},"thumbnailUrl":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-content\/uploads\/sites\/5\/2023\/02\/man_plant_office-in-page.jpg","datePublished":"2016-10-27T00:00:00+00:00","dateModified":"2023-11-01T14:43:25+00:00","description":"How to determine when losses may be a good thing.","breadcrumb":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding#breadcrumb"},"inLanguage":"en-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding"]}]},{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding#primaryimage","url":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-content\/uploads\/sites\/5\/2023\/02\/man_plant_office-in-page.jpg","contentUrl":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-content\/uploads\/sites\/5\/2023\/02\/man_plant_office-in-page.jpg","width":778,"height":518},{"@type":"BreadcrumbList","@id":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/insights\/tax-loss-selling-building-a-better-understanding#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/"},{"@type":"ListItem","position":2,"name":"Tax-loss selling \u2013 building a better understanding"}]},{"@type":"WebSite","@id":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/#website","url":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/","name":"RBC Wealth Management","description":"","publisher":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-CA"},{"@type":"Organization","@id":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/#organization","name":"RBC Wealth Management","alternateName":"RBC Wealth Management","url":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/","logo":{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/#\/schema\/logo\/image\/","url":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-content\/uploads\/sites\/5\/2023\/02\/rbc.png","contentUrl":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-content\/uploads\/sites\/5\/2023\/02\/rbc.png","width":3000,"height":2000,"caption":"RBC Wealth Management"},"image":{"@id":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/#\/schema\/logo\/image\/"}}]}},"jetpack_featured_media_url":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-content\/uploads\/sites\/5\/2023\/02\/man_plant_office-in-page.jpg","jetpack_sharing_enabled":true,"publishpress_future_action":{"enabled":false,"date":"2026-05-03 06:31:23","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"distributor_meta":false,"distributor_terms":false,"distributor_media":false,"distributor_original_site_name":"RBC Wealth Management","distributor_original_site_url":"https:\/\/www.rbcwealthmanagement.com\/en-ca","push-errors":false,"last_revision_date":"2023-10-03 12:55:22","_links":{"self":[{"href":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-json\/wp\/v2\/posts\/3898","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-json\/wp\/v2\/comments?post=3898"}],"version-history":[{"count":14,"href":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-json\/wp\/v2\/posts\/3898\/revisions"}],"predecessor-version":[{"id":18987,"href":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-json\/wp\/v2\/posts\/3898\/revisions\/18987"}],"acf:post":[{"embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-json\/wp\/v2\/rbcwm_cta\/11937"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-json\/wp\/v2\/media\/3901"}],"wp:attachment":[{"href":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-json\/wp\/v2\/media?parent=3898"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-json\/wp\/v2\/categories?post=3898"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-json\/wp\/v2\/tags?post=3898"},{"taxonomy":"rbcwm_content_owner","embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-json\/wp\/v2\/rbcwm_content_owner?post=3898"},{"taxonomy":"rbcwm_need","embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-json\/wp\/v2\/rbcwm_need?post=3898"},{"taxonomy":"rbcwm_segment","embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-json\/wp\/v2\/rbcwm_segment?post=3898"},{"taxonomy":"rbcwm_solution","embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-json\/wp\/v2\/rbcwm_solution?post=3898"},{"taxonomy":"rbcwm_topic","embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-json\/wp\/v2\/rbcwm_topic?post=3898"},{"taxonomy":"rbcwm_channel","embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-json\/wp\/v2\/rbcwm_channel?post=3898"},{"taxonomy":"rbcwm_format","embeddable":true,"href":"https:\/\/www.rbcwealthmanagement.com\/en-ca\/wp-json\/wp\/v2\/rbcwm_format?post=3898"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}