FAQ: How to Add Restricted Share Units (RSUs) to My Plan

Ensure that you have a Non-Registered account and/or ESPP (Employee Stock Purchase Plan) activated in your profile.

Any vested RSUs will be considered taxable non-registered assets as well as any investments held outside of an RRSP, TFSA, or LIRA.

You will not include any RSUs that have not vested. Unvested RSUs must be entered as employment income or bonus in the year that they vest and then you can manually add a contribution to the Non-Reg account (if you're choosing to keep those shares) in Planning > Projection > Table. Open the "Income" columns using the ">" arrow and adjust the Bonus column using overrides (will turn the value from blue to red).

If you are required to also contribute then those contributions should be captured in a Non-Registered account or in an ESPP account. You can activate an ESPP account in Profile, set the base contribution % to 0% in Discovery > Tax & Benefits, and then in Planning > Projections > Table you will manually add "employee contributions" that you are required to make to receive the RSUs.

For the unvested RSUs the dividends may be granted in additional RSU units, in which case the amount you enter as future income should include these additional RSUs.

For your contribution in the Non-Reg account, the platform will do the dividend calculation for you. You can adjust the asset allocation and type of return for the Non-Reg account in Planning > Projections > Advanced Options.