加拿大理財討論區

想問下PSA同CASH 其實有咩分別
見到PSA rate 好似仲高少少？

咪HSBC 轉HSBC , rate 一定唔好, 但最方便

Lm

RRSP suppose 係你71歲後變RIF
每年係RIF拎minimum withdrawal amount 就完全唔洗交稅同俾withdrawal fee,因為規定左你每年一定要拎一部分錢走
同埋你可以用life long learning plan 同home buyer plan 去從RRSP免稅draw 錢走，但要還

有廿萬加紙空閒錢有咩好投資？
即係識買GIC

無腦美股

閒錢咪all in crypto

想問上年年中黎而家tfsa係咪有13500 CONTRIBUTION ROOM
上cra網又LOGIN唔到 係咪第一年要MAIL FORM報稅唔可以ONLINE報

nvdx

https://arrivein.com/finance/tax-free-savings-accounts-tfsa-for-newcomers-investing-in-canada/#:~:text=As%20a%20newcomer%2C%20your%20contribution,annual%20contribution%20room%20for%202024.

As a newcomer, your contribution room starts accruing the year you become a resident of Canada, even if you don’t open a TFSA in your first year. This means that if you became a PR of Canada in 2023, but only open a TFSA account in 2024, your contribution room will be $6,500 plus the annual contribution room for 2024.

fngu 3x
2x太慢

投資完可能發現GIC 最好

想問吓意見

用wealthsimple買加拿大既美股etf

絕對係

Uncle, 我2021年年尾入境做野，23年先有PR ，打左去cra 問d agent . 佢話我個room 會有埋2021年, 登入官網又真係show 2021-2024 加埋既room

唔知信唔信好

正常，因為你有報2021年既稅