Reports turn your transaction history into an annual summary that is easier to review.
Each report follows the tax treatment assigned to an account. If a portfolio contains capital, business, and registered accounts, Adjustibl keeps those results in separate reports instead of mixing them together.
Adjustibl currently provides three main reports:
- Capital Accounts Report
- Business Accounts Report
- Registered Accounts Report
Each report is created for a specific year and can be downloaded as a PDF.
Capital Accounts Report
The Capital Accounts Report covers accounts using Capital gains treatment.
The main number is your capital gain or loss for the year. The report also shows the numbers behind that result, including:
- Proceeds from dispositions
- ACB relieved when assets were sold
- Selling costs
- Superficial losses that were denied or remain under review
- Ending ACB
- Closing holdings
- Investment income and withholding
It also shows how your ACB changed during the year and how frequently you bought and sold investments.
This makes it easier to understand why the final capital gain or loss is what it is. If the result looks wrong, you can compare the proceeds, ACB, costs, and transactions instead of starting with one unexplained total.
Business Accounts Report
The Business Accounts Report covers accounts using Business income treatment.
The main number is the business result based on historical cost. The report separates that result into useful parts, including:
- Trading profit and loss
- Investment income
- Investment expenses
- Withholding
- Closing holdings and their historical cost
- Option and short-position activity
- Frequency of buys and sells
Business reporting can involve choices such as how closing inventory is valued. Adjustibl shows the valuation method and report status instead of quietly filling in a missing choice.
The report also shows whether any accounts or transactions were excluded, blocked, or still need attention.
Registered Accounts Report
The Registered Accounts Report covers accounts using Registered tracking.
It gives you a record of what happened inside accounts such as TFSAs, RRSPs, FHSAs, RESPs, LIRAs, and RRIFs.
The report includes:
- Contributions and withdrawals
- Transfers between registered accounts
- Purchases and sales
- Income, fees, and withholding
- Closing holdings
- Tracked cost
- Recorded trading differences
- A summary for each account
Tracked cost is a historical recordkeeping amount. It is not the current market value of an investment.
A recorded trading difference compares sale proceeds with the tracked cost that left the account. It can help you understand the activity, but it is not a taxable capital gain, investment performance, or total return.
The Registered Accounts Report also does not calculate your contribution room.
Foreign property information
Foreign property information is included inside each of the three reports. It is not a separate report.
Adjustibl groups instruments with a recorded non-Canadian country and shows information such as:
- Country
- Instrument type
- Maximum cost amount during the year
- Year-end cost amount
- Gross income
- Capital gain, business result, or recorded trading difference
- Withholding
- The accounts where the instrument was held
This information can help you prepare for a foreign-property review, but it does not decide whether an asset must be reported on Form T1135. The reporting rules can depend on facts that are not available from the transaction history alone.
Report coverage
A report is only as useful as the records included in it.
Each report shows which accounts and transactions were included and whether anything was excluded, blocked, incomplete, or waiting for review.
Complete coverage means Adjustibl was able to include all eligible records for that report. It does not mean the report has been filed, approved by an accountant, or confirmed as correct.
If the coverage is incomplete, review the affected accounts and transactions before relying on the totals.
Reviewing a report
Start with the main result, then look at the supporting sections.
For example, if the capital gain looks higher than expected, check the proceeds, ACB relieved, selling costs, and superficial-loss amounts. If a business result looks unusual, compare the trading result with income, expenses, and closing historical cost.
The report gives you a structured place to investigate the number instead of searching through brokerage statements and spreadsheet rows.
Adjustibl reports are provided for informational purposes. Review them against your source records and speak with a qualified professional before using them to make filing decisions.