巧婦難為無米之炊。
你俾既資料，我諗唔到有乜嘢橋。
你話公司人工。 究竟係做乜嘢既公司？ 點解你唔喺HK都出千二一年俾你？remotework？
公司係咪你有份？你一之公或者有家人喺HK？
嚟加拿大做為乜？ 要諗住流攞加藉然後回流既話，你要預起碼四，五年左右，係咪四，五年喺加拿大，HK間公司都會俾千二蚊一年你？ 我係你有咁高人工，就想清楚先好。
加拿大理財討論區
馬上風
1001 回覆
58 Like
5 Dislike
賺咁多俾錢搵個accountant 問下都唔肯
唔好誤會 我真係多謝你解答我問題 而根據你既回覆
我感覺唔太多扣減空間
去加拿大純粹諗住take care自己人 等佢地過得舒服d
實際上去邊度我自己係無所謂
我感覺唔太多扣減空間
去加拿大純粹諗住take care自己人 等佢地過得舒服d
實際上去邊度我自己係無所謂
真
我咪係退咗休accountant同tax必specialist囉。 不過佢俾啲資料太少，根本連簡單既稅務安排都無得諗。當然最後都要揾個accountant嘅。
唔使咁急嘅
急不及待想all in VOO了
但要用美金買 咁係咪買VFV方便D? 是咪差唔多
但要用美金買 咁係咪買VFV方便D? 是咪差唔多
what do you mean by "how much"?
You have a lot of tax related issues other on top of worrying about how much taxes you have to pay.
First of all, all rental income minus direct expenses are taxable in Canada. This net rental income will be added to your employment and other income and tax at that marginal tax rate.
If you pay income tax to HK on the rental income, then you should qualify for some tax relief (foreign tax credit).
You have to file a form T1135 -foreign property reporting to report this rental property and your other assets outside Canada.
https://www.canada.ca/en/revenue-agency/services/tax/international-non-residents/information-been-moved/foreign-reporting/questions-answers-about-form-t1135.html
You have to appraise your rental property on the day you entered Canada and convert the value to Canadian dollar. This will be your Adjusted Cost base when you sell the property.
You have a lot of tax related issues other on top of worrying about how much taxes you have to pay.
First of all, all rental income minus direct expenses are taxable in Canada. This net rental income will be added to your employment and other income and tax at that marginal tax rate.
If you pay income tax to HK on the rental income, then you should qualify for some tax relief (foreign tax credit).
You have to file a form T1135 -foreign property reporting to report this rental property and your other assets outside Canada.
https://www.canada.ca/en/revenue-agency/services/tax/international-non-residents/information-been-moved/foreign-reporting/questions-answers-about-form-t1135.html
You have to appraise your rental property on the day you entered Canada and convert the value to Canadian dollar. This will be your Adjusted Cost base when you sell the property.
想問如果屋企人轉10M比我加拿大買樓
用gift形式係咪無野要報？
Or 要唔要有咩文件準備？
佢香港銀行轉比我香港銀行
我再轉返去我加拿大銀行
用gift形式係咪無野要報？
Or 要唔要有咩文件準備？
佢香港銀行轉比我香港銀行
我再轉返去我加拿大銀行
有15萬加紙閒錢
買GIC好唔好
買GIC好唔好
睇你筆錢幾時要用
Gift 係免稅
Keep返statement
Keep返statement
有冇投資理財知識？
Yes 唔好買GIC直接買債唔洗比銀行抽水
No GIC 算啦
Yes 唔好買GIC直接買債唔洗比銀行抽水
No GIC 算啦
想問父母香港戶口轉比我加拿大戶口
同父母香港戶口轉我香港戶口，我再轉去自己加拿大戶口
兩者有冇分別/問題？
因為自己轉比自己係咪當左oversea income
thanks
同父母香港戶口轉我香港戶口，我再轉去自己加拿大戶口
兩者有冇分別/問題？
因為自己轉比自己係咪當左oversea income
thanks
想confirm一下TFSA係每年有個存入限額，例如我今年先開，quota有一萬，係咪總之我放咗一萬，我就可以不停用嗰一萬炒？唔關買入賣出幾多事（總之唔好再入錢）
BTW RBC個app廢撚到癲，乜都話error，還返HSBC比我呀屌
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.
TFSA contribution room
There is a limit on the amount you can deposit in a TFSA each year. The TFSA annual room limit varies for each year. It’s indexed to inflation and rounded off to the nearest $500. For 2023, the annual contribution room limit (also known as the TFSA dollar limit) is $6,500.
Only funds that you deposit or transfer to your TFSA count as contributions. Investment income or earnings on funds already in your TFSA are not considered contributions and will not affect your contribution room.
You don’t necessarily have to use your entire contribution room each year. Your unused TFSA contribution room accumulates and can be carried over to the following year. For instance, if the annual limit is $6,500, and you contribute $4,000 during 2023, the unused contribution of $2,500 will be added to your contribution limit for 2024. So, if the limit set for 2024 is $6,500, your total available contribution room will be $9,000.
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.
https://www.morningstar.ca/ca/news/239166/this-activity-could-put-you-offside-of-tfsa-rules.aspx#:~:text=However%2C%20there%20are%20certain%20TFSA,pay%20taxes%20on%20your%20profits.
However, there are certain TFSA restrictions to prevent abuse and manipulation of the plan.
Morningstar Canada
For example, day trading in a TFSA is prohibited. A recent court ruling has sent a clear message to investors who use their TFSAs for frequent trading: You may have to pay taxes on your profits.
In this ruling, the Tax Court of Canada determined that an investor, whose TFSA had ballooned from $15,000 to over $617,000 in just three years, had been guilty of day trading within his plan.
Investors should know how to avoid prohibited day trading in their TFSA accounts and the consequences of failing to do so.
Notably, TFSA rules allow for a range of investments, including cash, GICs, bonds, stocks, ETFs, and mutual funds, among others.
What’s Considered Day-Trading in a TFSA?
Unfortunately, there is no specific test in the Income Tax Act on what constitutes day trading, as this is a fact-specific determination. “CRA generally considers day trading to occur when there is a high volume of trades, with a relatively brief period between buying and selling individual stocks, often within a single day,” explains Matt F. Trotta, vice president, of tax, retirement and estate planning, at CI Global Asset Management, in Calgary, Alberta
The CRA reviews multiple factors to determine if an investor is conducting business, including trade frequency, securities traded, investor skill, time spent trading, and intention to resell for profit.
“Since TFSAs are generally intended to be tax-free, the appearance of a taxable business within a TFSA presents an opportunity for increased tax revenue that CRA will continue to target,” says Trotta.
TFSA contribution room
There is a limit on the amount you can deposit in a TFSA each year. The TFSA annual room limit varies for each year. It’s indexed to inflation and rounded off to the nearest $500. For 2023, the annual contribution room limit (also known as the TFSA dollar limit) is $6,500.
Only funds that you deposit or transfer to your TFSA count as contributions. Investment income or earnings on funds already in your TFSA are not considered contributions and will not affect your contribution room.
You don’t necessarily have to use your entire contribution room each year. Your unused TFSA contribution room accumulates and can be carried over to the following year. For instance, if the annual limit is $6,500, and you contribute $4,000 during 2023, the unused contribution of $2,500 will be added to your contribution limit for 2024. So, if the limit set for 2024 is $6,500, your total available contribution room will be $9,000.
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.
https://www.morningstar.ca/ca/news/239166/this-activity-could-put-you-offside-of-tfsa-rules.aspx#:~:text=However%2C%20there%20are%20certain%20TFSA,pay%20taxes%20on%20your%20profits.
However, there are certain TFSA restrictions to prevent abuse and manipulation of the plan.
Morningstar Canada
For example, day trading in a TFSA is prohibited. A recent court ruling has sent a clear message to investors who use their TFSAs for frequent trading: You may have to pay taxes on your profits.
In this ruling, the Tax Court of Canada determined that an investor, whose TFSA had ballooned from $15,000 to over $617,000 in just three years, had been guilty of day trading within his plan.
Investors should know how to avoid prohibited day trading in their TFSA accounts and the consequences of failing to do so.
Notably, TFSA rules allow for a range of investments, including cash, GICs, bonds, stocks, ETFs, and mutual funds, among others.
What’s Considered Day-Trading in a TFSA?
Unfortunately, there is no specific test in the Income Tax Act on what constitutes day trading, as this is a fact-specific determination. “CRA generally considers day trading to occur when there is a high volume of trades, with a relatively brief period between buying and selling individual stocks, often within a single day,” explains Matt F. Trotta, vice president, of tax, retirement and estate planning, at CI Global Asset Management, in Calgary, Alberta
The CRA reviews multiple factors to determine if an investor is conducting business, including trade frequency, securities traded, investor skill, time spent trading, and intention to resell for profit.
“Since TFSAs are generally intended to be tax-free, the appearance of a taxable business within a TFSA presents an opportunity for increased tax revenue that CRA will continue to target,” says Trotta.