加拿大理財討論區
馬上風
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無研究, 但唔會有高息sustainable
等我再了解下先
由2005年開始到依家10年回報5.04%，整體6.65%
跌過3次甘既，最耐3年都返到家鄉
每個月每股0.1CAD，咁多年黎只係冇派過幾次
咁睇其實都好sustainable
我都諗冇理由咁痴線
所以想搵人解釋下，都感謝上面巴絲打解答
就算唔all in，如果FHSA/TFSA買哂佢好似都唔錯？
跌過3次甘既，最耐3年都返到家鄉
每個月每股0.1CAD，咁多年黎只係冇派過幾次
咁睇其實都好sustainable
我都諗冇理由咁痴線
所以想搵人解釋下，都感謝上面巴絲打解答就算唔all in，如果FHSA/TFSA買哂佢好似都唔錯？
有個YouTube Passive Income Investing 標榜已經財自，佢就係訓身專買DFN，DGS,FTN 呢類split shares或者leveraged 既ETF,佢買既funds或者etf全部派十幾廿%息，但當然個價唔會點升或者跌好多。
有啲人會buy 佢呢套，但當然更多人反佢，你有興趣可以搵嚟慢慢研究。
有啲人會buy 佢呢套，但當然更多人反佢，你有興趣可以搵嚟慢慢研究。
我都真係要研究下
冇理由free money但唔多人咁做，總會有原因
或者我試少少放fhsa/tfsa玩下先
冇理由free money但唔多人咁做，總會有原因
或者我試少少放fhsa/tfsa玩下先
be careful when you trade stocks in TFSA and FHSA.
https://www.fidelity.ca/en/insights/articles/day-trading-in-a-tfsa/
What does the CRA consider day trading in a TFSA?
CRA has previously contended that securities transactions may not always be on account of capital and may be considered income if the taxpayer is deemed to be carrying on a business.
According to the CRA, “some of the factors to be considered in ascertaining whether the taxpayer’s course of conduct indicates the carrying on of a business are as follows:
frequency of transactions—a history of extensive buying and selling of securities or of a quick turnover of properties,
period of ownership—securities are usually owned only for a short period of time,
knowledge of securities markets—the taxpayer has some knowledge of or experience in the securities markets,
security transactions form a part of a taxpayer’s ordinary business,
time spent—a substantial part of the taxpayer’s time is spent studying the securities markets and investigating potential purchases,
financing—security purchases are financed primarily on margin or by some other form of debt,
advertising—the taxpayer has advertised or otherwise made it known that he is willing to purchase securities, and
in the case of shares, their nature—normally speculative in nature or of a non-dividend type.”
It bears mentioning that none of the individual factors alone is typically sufficient to cause a taxpayer’s trading to be treated as a business, but rather, the combination of factors needs to be considered.
https://www.fidelity.ca/en/insights/articles/day-trading-in-a-tfsa/
What does the CRA consider day trading in a TFSA?
CRA has previously contended that securities transactions may not always be on account of capital and may be considered income if the taxpayer is deemed to be carrying on a business.
According to the CRA, “some of the factors to be considered in ascertaining whether the taxpayer’s course of conduct indicates the carrying on of a business are as follows:
frequency of transactions—a history of extensive buying and selling of securities or of a quick turnover of properties,
period of ownership—securities are usually owned only for a short period of time,
knowledge of securities markets—the taxpayer has some knowledge of or experience in the securities markets,
security transactions form a part of a taxpayer’s ordinary business,
time spent—a substantial part of the taxpayer’s time is spent studying the securities markets and investigating potential purchases,
financing—security purchases are financed primarily on margin or by some other form of debt,
advertising—the taxpayer has advertised or otherwise made it known that he is willing to purchase securities, and
in the case of shares, their nature—normally speculative in nature or of a non-dividend type.”
It bears mentioning that none of the individual factors alone is typically sufficient to cause a taxpayer’s trading to be treated as a business, but rather, the combination of factors needs to be considered.
我就用BMO 開RRSP 然後買JRPQ JEPI 每次交易要俾差唔多十蚊 幾個月入一次貨 一年都有接近10% 息
想問下GIC如果唔用TFSA/RRSP 買，佢既利息打稅既稅率係咪等同於我收入既稅率嫁?
例如我月入56K, 就要收我29.65%?
上網搵極都係話放TFSA/RRSP好，但就搵唔到佢個Tax rate應該係放邊一類
例如我月入56K, 就要收我29.65%?
上網搵極都係話放TFSA/RRSP好，但就搵唔到佢個Tax rate應該係放邊一類
ib 0.35
佢係加入你個taxable income
如果你利息個數令你taxable income 岩岩好提高左個稅階咁就要交多d
好似係
如果你利息個數令你taxable income 岩岩好提高左個稅階咁就要交多d
好似係
就算升咗一個稅階
都係多出嗰部分交多啲稅
原本稅階以內嘅收入唔會因為咁而收多咗
都係多出嗰部分交多啲稅
原本稅階以內嘅收入唔會因為咁而收多咗
都係突咗果D income 先係交新稅階
謝謝大家
5000蚊扣埋稅2舊水都賺唔到
5000蚊扣埋稅2舊水都賺唔到
唔係1cad咩
叫好過冇
如果本身有大約一球貨（港+美股）係IB HK
係咪最好直接賣晒去會比較好？定轉去IB Canada?
係咪最好直接賣晒去會比較好？定轉去IB Canada?
你係加拿大未？
就出發
marginal tax rate means your income will be taxed at certain rate it reaches certain level. However, only the portion that is above that level will be taxed at that new level.
just an example.
exemption $ 10,000
Total net income income $150,000
income tax on tax rate tax
10,000 10,000 0 0
$10,000 to $30,000 20,000 10% 2,000 (rounded)
30,001 to 60,000 30,000 20% 6,000
60,001 to 100,000 40,000 30% 12,000
100,001 to 150,000 50,000 45% 22,500
_______ ________
Total 150,000 28.333 42,500
The average tax rate on 150,00 is $28.333%
The marginal tax rate is 45%. That means the next $1 income on top of $150,000 in this case will be taxed at 45%.
All above tax rate and tax brackets are make up for demonstration purposes only.
https://turbotax.intuit.ca/tax-resources/ontario-income-tax-calculator.jsp
https://sslgroup.ca/2024-combined-federal-and-ontario-personal-income-tax-rates/
just an example.
exemption $ 10,000
Total net income income $150,000
income tax on tax rate tax
10,000 10,000 0 0
$10,000 to $30,000 20,000 10% 2,000 (rounded)
30,001 to 60,000 30,000 20% 6,000
60,001 to 100,000 40,000 30% 12,000
100,001 to 150,000 50,000 45% 22,500
_______ ________
Total 150,000 28.333 42,500
The average tax rate on 150,00 is $28.333%
The marginal tax rate is 45%. That means the next $1 income on top of $150,000 in this case will be taxed at 45%.
All above tax rate and tax brackets are make up for demonstration purposes only.
https://turbotax.intuit.ca/tax-resources/ontario-income-tax-calculator.jsp
https://sslgroup.ca/2024-combined-federal-and-ontario-personal-income-tax-rates/
When did you enter Canada?
You may have to file T1135
You may have to file T1135
想開FHSA
Wealthsimple定係bank好
Wealthsimple定係bank好
Bank , 拎果時好麻煩
有得直接轉股就直接轉ib canada
賣哂佢中間miss左升浪會好傷
賣哂佢中間miss左升浪會好傷