加拿大理財討論區

TFSA has nothing to do with your PR status.
You are a resident for tax purposes the day you entered Canada.
Have you open and made contributions to a TFSA account yet?

https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/tax-free-savings-account/contributions.html
Where to find your TFSA contribution room information
Your TFSA contribution room information can be found by using one of the following services:

My Account for Individuals.
MyCRA at Mobile apps – Canada Revenue Agency.
Represent a Client if you have an authorized representative.
Tax Information Phone Service (TIPS) at 1-800-267-6999.
In addition, if you want to receive a TFSA Room Statement, call us. You can also ask for a TFSA Transaction Summary that shows the information that we received from your TFSA issuer(s) about your contributions and withdrawals.

23年喺HSBC 開左 TSFA
本身登入個CRA官網話我有$88000 room (23年前) , 咁我當時就轟哂入去, 朋友同我講我21年先黎無可能有$88000, 之後打去CRA問 原來佢地手頭上無我入境日期, 之後寫信去更新番同即日 DRAW番哂D錢走, 就當我唔小心無罰我錢

你搞亂咗CRA 有排煩

what are your concern?
you should contribution room for 21,22,23 and 24

Earnings in a RRIF are tax-free and amounts paid out of a RRIF are taxable on receipt.

同你講有出入

Read the RIF rule again.

想開 IB 户口係咪開 IB Canada 好過 IB USA?

如果咁講係咪姐係我23年持OWP入境
E家應該係有13500既contribution room, 就算未有PR
唔肯定因為未交過稅 CRA個網好似冇我既contribution room既資料

睇到有個ig share total 5k profit, d etf 咁高回報

You have to file a tax return first. How can you access yo CRA site?

其實就係access唔到
因為想投資少少GIC而去睇CRA發現冇我既資料
係咪即係我一日未file tax return 都未有得用個contribution room
唔該晒你

唔識 有咩推介

no, you get the contribution room whether you file a tax return or not.

https://www.canada.ca/en/revenue-agency/news/newsroom/tax-tips/tax-tips-2022/new-canada-new-doing-taxes.html

https://www.canada.ca/en/revenue-agency/services/tax/international-non-residents/individuals-leaving-entering-canada-non-residents/newcomers-canada-immigrants.html

cad 買s&p?

i mean voo 即係用加紙買美國s&p 指數?

？
無關係
你只要交form交資料上去就得

如果將股票由ibhk射曬去ibca tfsa，操作上會唔會叫你交稅？

因為我上網睇到asset transfer係taxable transaction，會當賣出再買入，收captial gain
好難接受

剛剛開始諗吓創業，但資金好少，想請教點樣先可以減到稅？