1.How about this: lets say I deposited 5k in the first year, and it quickly turned into a big profit like 1 million. If I withdrew 1 million in the first year, can I re-contribute it in second year? My total room would be 5000+5000+1 million? 3 p2 V1 {& Y: t8 C. R9 b
- z* r. a# g L A2. Can it be in US dollars? ( i2 ]* k/ d3 N* t ! y3 |; J+ T3 z( f3.cibc told me that I cannot buy stocks until september. Right now it only has products affiliated with mutual funds, gics, etc. How about other bank instititions?
1 Yes. You will have 1million+10k room. The contribution room will adds up your previous year's withdrawal+all rooms. 1 F3 L; d3 {+ M9 B! z# S6 Z2 Yes but will be calculated in C$ and depending on your financial institution if they have that product 4 c2 e [+ M L+ |( V# M- q3 you have to ask around.
原帖由 精打细算 于 2009-3-10 09:17 发表 9 m$ {* p+ ?2 Z6 Y9 }, z' G, L
1 Yes. You will have 1million+10k room. The contribution room will adds up your previous year's withdrawal+all rooms.. p# I/ Z5 f- ]) d! x3 u2 D# O
2 Yes but will be calculated in C$ and depending on your financial institution if ...
4 U& R n( U$ H U- X$ A5 B; E, A) U差不多就这个概念。 如果存款人收入超过15000左右。 如果存款人没有收入, 买了也是没戏。 8 H. `( a+ X3 Z0 i5 d: W* B) }0 k/ D8 ^8 s' B' I6 D9 Q# u$ D% K
其实以期买TFSA, 倒不如将钱用以还房贷。 一般房贷利息4-5%的话, 用来还钱所省下的利息不是更多? 管他省不省税, 还 ...
是一个免税的储蓄户口TFSA C I( e" h0 s: Z' ]& G
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18岁以上人士今年可以存五千。。。。每一年政府会根据通货膨胀的比率来决定新的存储空间。这个每个银行都会有TFSA的宣传单你可以拿来看一下: ^8 H* A2 b) H" I
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今年存的钱随时都可以取出来,只是每次银行要你填一个表格给政府做记录的。。。你可以用你的这5000买GIC之类的投资。。所赚的利息不用报税。。。如果你取出来了3000.。。那么你明年才可以再存回去这三千。。。。至于利息方面取出来后可不可以存回去我还不清楚。。。。 ! {* K V6 p ]% K ; p% W6 ~2 q: D1 H这个户口和你报税你没有关系,也不能帮你抵税。。。因为它不像RRSP。。。。/ Y/ N. U3 r! J
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以上是我个人的见解。。。如果你想了解很详细呢。就好去银行咨询。。。。