加拿大報稅 你問我試答

我就未必咁睇

今次俄佬同西方反面，西方已經查緊有錢俄仔數。

無人會知港共幾時會搞d 乜出黎同人反面

唔好意思又有兩個問題想了解多D

1. 上面睇到放錢入RRSP可以免稅？咁如果我係加拿大時，將收到既公積金/強積金放入去就ok？反正唔等住用個筆錢，有無乜野要注意？

2. 我知道報稅時要申報海外資產，咁放係香港既珠寶首飾金器係咪都要報？係既話可能要睇下點做估價

that's a tough one.

你個allowance 都會pro rata 的。

你預左交兩三成先

麻煩解答埋#374
定還是都係too complicated to answer
唔該

1.rrsp 係一個tax delay schemes
你今日係唔洗俾稅，但你退休70歲攞出黎就要交稅

2. 理論上係要但無乜人咁做，除非個金額好大。

唔答mpf la, 有幾派答案個個都話自己啱。

香港既珠寶首飾金器係咪都要報? NO, these are personal property and are exempted

https://www.canada.ca/en/revenue-agency/services/tax/international-non-residents/information-been-moved/foreign-reporting/foreign-income-verification-statement.html

Who has to report?
Form T1135, Foreign Income Verification Statement, must be filed by:

Canadian resident individuals, corporations, and certain trusts that, at any time during the year, own specified foreign property costing more than $100,000 certain partnerships that hold more than $100,000 of specified foreign property

What property has to be reported?
Specified foreign property is defined in subsection 233.3(1) of the Income Tax Act and includes:

funds or intangible property (patents, copyrights, etc.) situated, deposited or held outside Canada
tangible property situated outside Canada
a share of the capital stock of a non-resident corporation
shares of corporations resident in Canada held outside Canada
an interest in a non-resident trust that was acquired for consideration
an interest in a partnership that holds a specified foreign property unless the partnership is required to file Form T1135
a property that is convertible into, exchangeable for, or confers a right to acquire a property that is specified foreign property
a debt owed by a non-resident, including government and corporate bonds, debentures, mortgages, and notes receivable
an interest in a foreign insurance policy
precious metals, gold certificates, and futures contracts held outside Canada
Specified foreign property does not include:

a property used or held exclusively in carrying on an active business
a share of the capital stock or indebtedness of a foreign affiliate
an interest in a trust described in paragraph (a) or (b) of the definition of exempt trust in subsection 233.2(1)
a personal-use property as defined in section 54
an interest in, or a right to acquire, any of the above-noted excluded foreign property

https://gncc.ca/reporting-foreign-property-when-does-this-become-relevant-for-your-case/

Are there filing exemptions? Here are a few common scenarios:

Your property is primarily used as a personal-use property – you need not file in T1135; the Income Tax Act excludes personal-use property as specified foreign property.In common terms, personal-use property includes vacation property used primarily as a personal residence.Per the CRA “primarily” means more than 50% in terms of usage. Whether a property is primarily for personal use and enjoyment is a question of fact that is determined on a case-by-case basis by your tax professional;
Real property that is held and used as part of an active business in Canada is exempt from T1135 filing requirements;

Listed personal propertysuch as works of art, jewelry, rare folios, rare manuscripts, rare books, stamps, and coins are also exempted for T1135 filing purposes;


In addition, specified foreign property held in an RRSP or a TFSA is excluded from T1135 reporting requirements.

1. 係諗住唔急用既話不如退休個時先慢慢拎出黎，俾少啲稅，但唔知return好唔好，研究下先

Listed personal propertysuch as works of art, jewelry, rare folios, rare manuscripts, rare books, stamps, and coins are also exempted for T1135 filing purposes;

RRSP 你可以自己投資，買TQQQ/QQQ 都得

你啱

儲蓄人壽，可以拎返錢。係咪拎錢先要報稅？
個網入面既insurance tax應該同報稅無關？

果個係sales tax d fd

回流後冇打算喺加拿大工作，當係提早退休，之前從來冇喺加拿大做嘢，冇RRSP，回流後匯款既公積金， 都要入RRSP ？

回流前land果日，匯款去加拿大既錢先可以當資產？

ok 唔該

Did you get a tax deduction when you contributed to 公積金? Do you have to pay any tax when you withdraw the 公積金?
回流前/ you mean returning to Canada? How long have you been away?

OWP有咩要注意？

1. 好多嘢要注意
首先你上一年要有employment/self employment income先會有deduction limit
然後先可以contribute
Over contribution 有penalty
如果income 已經subject to lowest tax rate
其實冇需要供

2. 個人珠寶唔洗，除非你做珠寶生意

之前開左個checking戶口有幾蚊迎新利息
同埋香港銀行戶口都有利息
唔知洗唔洗報埋
係驚自己報會報細姐
順帶一問除左child benefit同OTB
安省有冇其他tax credit可以拎到

你錢係香港個人户口都當

匯款唔係問題，打落你户口先重要。

應該有GST/HST rebate

理論上要但reality 你自己決定la ,幾蚊死唔去的

foreign pension 入RRSP 好似無quota restrictions,有錯勿插