加拿大理財討論區

銀行fhsa未必有得買股票

https://www.td.com/ca/en/investing/direct-investing/articles/fhsa#:~:text=Like%20RRSPs%20and%20TFSAs%2C%20investments,be%20held%20in%20an%20FHSA.
What can be invested in an FHSA?
Like RRSPs and TFSAs, investments such as stocks, bonds, Exchange-Traded Funds (ETFs), mutual funds and Guaranteed Investment Certificates (GICs) can be held in an FHSA.

二百萬加幣現金放匯豐活期三個月六厘幾息
依家完咗，惗緊買咩好
嚟緊轉去RBC，如果依家買GIC又唔知短期內會點樣被安排

我係td開淨係買到mutual fund同gic

Do you have a TD Waterhouse account (Webbroker) ?

無我係wealthsimple個fhsa先有得買股票

將錢轉去rbc做gic咪唔驚

就減息，有得買好買

有二百萬都冇advisor 同你跟？

you can do that with TD Waterhouse.

TD未有得咁做

tangerine 而家唔可以上網加external account 之後匯錢出去麻煩好多
https://www.reddit.com/r/PersonalFinanceCanada/s/55fpCCs6PN

請問我人在加拿大，未滿一年，如果在香港既股票/做野仲有收入，第一年報稅都要報海外收入？係唔係唔可以我唔報，然後第二年報海外資產先計？

You have to report worldwide income from the day you entered Canada if you are considered a resident for tax purposes.

假設tfsa有6000 contribution room
入左5000
再入多2000
再windraw 2000
係咪都要等下年先有翻多左果1000 contribution room

入左5000再入多2000咪爆room? 唔係會罰息咩

應該係會罰一個月, 但問題係withdraw多過excess contribution會點計

唔理你withdraw
淨係睇contribution

年尾先計withdrawal

如果上年年中先到埗,做左tax resident, 咁23件個tfsa quota 會唔會prorata 定照有全額$6500