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Strategic GIC cashout


rsk1957

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I took two 1-year cashable GICs out in Feb 2023.   I won't have much income this year or in the next 4 years.  Should I cash one of the GICs out now (Dec 2023) and get the T5 for 2023 tax purposes?  Then leave the other GIC to mature on due date of Feb 2024 to only have the T5 for that one for 2024 tax purposes.  Seems logical to me, but I'm not well versed on this tax stuff, so I might be missing something, or not taking something into account.

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