絕對贊成
TFSA真係好用到爆 我自己攞嚟買mutual fund正到爆
FHSA就還好 反正最多四萬 入爆咗當留定錢買樓 反正入咗15年內用就可以
RRSP唔係去到果年多收入都其實唔洗買 aka啲六位數人士 五位數好多都唔係咁需要
加拿大理財討論區
馬上風
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The arrangement is risky and not worth it.
想請教一下，VFV係🇨🇦嘅ETF，但其實佢嘅portfolio就係🇺🇸嘅VOO，咁我買VFV嘅話，最後係有foreign tax credit定係eligible dividend credit?
如果你買VFV喺TFSA/ RRSP或者non registered account都 會有美國 15% withholding tax要扣，然後報稅時只有non registered account(taxable account)可以claim 返foreign tax credit. RRSP /TFSA 冇呢回事
如喺RRSP買VOO就冇15% withholding tax，喺TFSA 同non registered account 都會扣15%，同樣地，只有non registered account可以claim foreign tax credit.
所以你投資RRSP既話，感覺VOO較佳，同埋MER都低啲。
至於其他account我覺得就難講啲，主要VFV係unhedged,呢十年VFV個回報率，扣減exchange rate個變幅，仲係高過VOO，加上唔使兌換，所以本土都有捧場客。
兩者將來回報率要睇吓加元兌美元匯價長遠走勢。
https://dividendearner.com/vfv-vs-voo-which-one-to-buy/
如喺RRSP買VOO就冇15% withholding tax，喺TFSA 同non registered account 都會扣15%，同樣地，只有non registered account可以claim foreign tax credit.
所以你投資RRSP既話，感覺VOO較佳，同埋MER都低啲。
至於其他account我覺得就難講啲，主要VFV係unhedged,呢十年VFV個回報率，扣減exchange rate個變幅，仲係高過VOO，加上唔使兌換，所以本土都有捧場客。
兩者將來回報率要睇吓加元兌美元匯價長遠走勢。
https://dividendearner.com/vfv-vs-voo-which-one-to-buy/
2023 開左FHSA 亦都打爆左,
2024 係唔係1月2就可以再入$8,000, 頭60日入錢都可以當2024 Tax deductions
2024 係唔係1月2就可以再入$8,000, 頭60日入錢都可以當2024 Tax deductions
ONLY contributions before Dec 31,2023 can be deducted on 2023 T1
https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/first-home-savings-account/tax-deductions-fhsa-contributions.html
Amounts that cannot be deducted
Contributions that cannot be deducted for a previous year
You cannot deduct the following contributions on your income tax and benefit return for the previous year:
Contributions you make to your FHSAs during the first 60 days of the year cannot be deducted on your income tax and benefit return for the previous year, unlike contributions to an RRSP.
Example – Contributions in the first 60 days of the year
Contributions that cannot be deducted in any year
You cannot deduct the following contributions on your income tax and benefit return for any year:
Contributions made after the first qualifying withdrawal cannot be deducted on your income tax and benefit return for any year.
Example – You may not deduct contributions after the first qualifying withdrawal
An excess FHSA amount you designate as a withdrawal cannot be deducted on your income tax and benefit return for any year.
Example – You may not deduct any excess FHSA amount you designate as a withdrawal
Any contributions to your FHSAs that exceed your lifetime FHSA limit of $40,000 cannot be deducted on your income tax and benefit return for any year.
Example – Deductions after contributing more than the lifetime FHSA limit
If you have an excess FHSA amount after your maximum participation period has ended and you have not reached your lifetime FHSA limit of $40,000, you may not be able to deduct all of your unused FHSA contributions. This is because after your maximum participation period has ended, your annual FHSA limit is $0.
https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/first-home-savings-account/tax-deductions-fhsa-contributions.html
Amounts that cannot be deducted
Contributions that cannot be deducted for a previous year
You cannot deduct the following contributions on your income tax and benefit return for the previous year:
Contributions you make to your FHSAs during the first 60 days of the year cannot be deducted on your income tax and benefit return for the previous year, unlike contributions to an RRSP.
Example – Contributions in the first 60 days of the year
Contributions that cannot be deducted in any year
You cannot deduct the following contributions on your income tax and benefit return for any year:
Contributions made after the first qualifying withdrawal cannot be deducted on your income tax and benefit return for any year.
Example – You may not deduct contributions after the first qualifying withdrawal
An excess FHSA amount you designate as a withdrawal cannot be deducted on your income tax and benefit return for any year.
Example – You may not deduct any excess FHSA amount you designate as a withdrawal
Any contributions to your FHSAs that exceed your lifetime FHSA limit of $40,000 cannot be deducted on your income tax and benefit return for any year.
Example – Deductions after contributing more than the lifetime FHSA limit
If you have an excess FHSA amount after your maximum participation period has ended and you have not reached your lifetime FHSA limit of $40,000, you may not be able to deduct all of your unused FHSA contributions. This is because after your maximum participation period has ended, your annual FHSA limit is $0.
上面打錯字
好多謝你嘅詳細講解
，而家明白哂
，而家明白哂唔該曬ching 好詳細
我以為係rrsp拿出黎買樓既錢 唔洗還
原來都要
不過rrsp個part我啱啱search左
有d employer會match3到5個% 但唔係個個都會
我以為係rrsp拿出黎買樓既錢 唔洗還
原來都要
不過rrsp個part我啱啱search左
有d employer會match3到5個% 但唔係個個都會
how much are you talking about?
group rrsp同個人rrsp limit共用但account分開 好似係咁
公司供果part唔記得計唔計入contribution
公司供果part唔記得計唔計入contribution
公司供嗰part都計呀
我反而想問下收息股
最近發現一隻dfn，想問下佢d息係唔係eligible dividends?
我有200k既話，以依家5.33計買到37523股
每個月每股0.1cad，咁我咪每個月稅前有3750蚊?
本身當人工130k，稅後91k
依家130k再加45k息，稅後都仲有123k
定係唔係咁計，冇理由咁容易有free money
雖然我知dfn有幾個月唔派息，但都好少發生
最近發現一隻dfn，想問下佢d息係唔係eligible dividends?
我有200k既話，以依家5.33計買到37523股
每個月每股0.1cad，咁我咪每個月稅前有3750蚊?
本身當人工130k，稅後91k
依家130k再加45k息，稅後都仲有123k
定係唔係咁計，冇理由咁容易有free money
雖然我知dfn有幾個月唔派息，但都好少發生
又或者穩陣D買ENB都唔錯
但我只係想知係唔係大概咁計，定係有咩稅我睇少左?
但我只係想知係唔係大概咁計，定係有咩稅我睇少左?
DFN 係split shares corporation , 你當係好似結構性產品，唔係一般 mutual fund. 唔了解唔好買，有NAV erosion問題, NAV一跌破唔知幾多蚊就停派息，雖然派既息 9 成幾係eligible dividends， 少量係capital gains。
Lm