加拿大理財討論區

咁用呢

Taxable 咋麻😆😆唔代表會無哂
你拎去買股票，capital gain and interest income 一樣係taxable
點樣taxable 都好，你賺嘅錢始終都會多過你俾嘅tax

扣埋稅回報仲低過通脹
即係負回報

未到maturity就賣 => interest income + capital gain/loss

https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/personal-income/line-12700-capital-gains/completing-schedule-3/bonds-debentures-promissory-notes-other-similar-properties/treasury-bills-bills-stripped-bonds.html

你無得咁比較，because this is not an available option
你只可以揀咩都唔做 vs 定期/股票/債券
當然後者就唔同投資項目俾嘅稅有唔同，通常都係stability and flexibility 嘅取捨

睇返近100年美國歷史
扣除通脹債券回報底得可憐
仲有相當多嘅時間係負回報
債券可以用黎balance 倉位
但100%資金都買債/做定期
必定跑輸

I am not talking about 邊種投資項目 I am talking about 就算你要俾稅都好，you are still earning money and the earned amount is still more than the amount of tax if comparing to just putting money in the bank account without even doing any fixed deposit

wealthsimple可以買的加幣美股ETF 同埋bitcoin個啲，好多熱門美股都有加幣ETF，最近買咗個日本嘅ETF。可以開TFSA，免手續費最新手嚟講好用

有冇人比較過唔同平台既Managed portfolio姐係比錢佢地invest嗰啲例如 WealthSimple / Questrade / 或者銀行 唔識投資想直接比人

wealthsimple最重要係fx 好差 食pt 同埋 commission太貴如果唔係買加股

如果要玩FHSA都無咩好揀

不要再說了
questrade 一單5$
commission / profit = 7%
七進七出搞到做錯晒野

我買mutual fund 個d 收息 係咪都唔當capital gain,利申係收T3

發覺呢度思維同Reddit好唔同

加股月供股票Wealthsimple
美股月供股票National Bank
IB啱玩Option, FX
IB RRSP無HBP
TFSA玩bitcoin Wealthsimple啱哂
換咗美金放喺銀行戶口 再轉入National Bank

National Bank


以上來自Reddit

Go big or go home

直接買晒Voo

要睇你係買咩mutual fund, 三月底前會收到T3， 入面會標明幾多係capital gains, foreign income, eligible dividends， other income 等。

父母住緊公屋/拎緊生果金咪唔得
點都會有百年歸老嘅一日
思想真係天真