多倫多生活討論區 93 hohohohoho
叫你老母
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not really 算乾
How much do you have in your MPF(Total in CND $)
When? Now or after I’ve moved?
Rogers 又斷線
上年7月中過招之後
已經唔打算再用呢間垃圾
已經唔打算再用呢間垃圾
有得揀一定唔會揀rogers
又貴又成日斷
好可惜我果區要100m 以上得rogers
又貴又成日斷
好可惜我果區要100m 以上得rogers
諗住買GIC，但個STAFF說我買啲低風險基金，話未來幾年內都會賺多過GIC，大家點睇？
I think you are aware of the $35,000 RRSP house purchase rule.
Just to remind you.
https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/what-home-buyers-plan/participate-home-buyers-plan.html
If you receive your MPF in 2024 (just an example)
You can roll (deposit) the full amount into a RRSP during 2024 or up to first 60 days in 2025. There are no contribution room required.
Will there be any income tax to HK Govt when you withdrawal the MPF?
The are certain tax calculation to reduce the amount you MUST roll into RRSP if there any taxes paid to HK Govt.
If you withdraw money from RRSP, you have to pay withholding tax
10% on amounts up-to $5,000;
20% on amounts over $5,000 up-to and including $15,000; and.
30% on amounts over $15,000.
You can apply the tax paid when you filed your T1 tax returns. If you are NOT subject to any tax that year, the full amount will be refunded.
Just to remind you.
https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/rrsps-related-plans/what-home-buyers-plan/participate-home-buyers-plan.html
If you receive your MPF in 2024 (just an example)
You can roll (deposit) the full amount into a RRSP during 2024 or up to first 60 days in 2025. There are no contribution room required.
Will there be any income tax to HK Govt when you withdrawal the MPF?
The are certain tax calculation to reduce the amount you MUST roll into RRSP if there any taxes paid to HK Govt.
If you withdraw money from RRSP, you have to pay withholding tax
10% on amounts up-to $5,000;
20% on amounts over $5,000 up-to and including $15,000; and.
30% on amounts over $15,000.
You can apply the tax paid when you filed your T1 tax returns. If you are NOT subject to any tax that year, the full amount will be refunded.
Difference in what way?
when you moved
Mid January
如果住喺溫哥華，就報bc省稅就ok?
I don't agree to treat MPF as taxable income. However, the legislative intent for this section of the ACT was to target Canadian Citizen who left Canada and came back. I don't think it was intended to target NEW immigrant with pension fund from that homeland. May be you guys should petition the Canadian and request some relief.
However, the income tax act allows you to roll the full amount into a RRSP without using up your RRSP room. Therefore, if you are able to withdraw the money BEFORE you enter Canada, then it will be tax free.
You can open a RRSP account now and deposit up to $2,000 even if you don't have any contribution room.
However, the income tax act allows you to roll the full amount into a RRSP without using up your RRSP room. Therefore, if you are able to withdraw the money BEFORE you enter Canada, then it will be tax free.
You can open a RRSP account now and deposit up to $2,000 even if you don't have any contribution room.