- 主题发起人 唐人Jason
- 发布时间 2009-04-03
回复: 加拿大税务局不想让你知道的秘密
tks!
tks!
回复: 加拿大税务局不想让你知道的秘密
基金的分配不一定都是分红，你看它叫distribution，不叫dividend。
基金分配里面可能包括红利，也可能包括资本增值和利息，甚至有的还包括资本返还，这4种成分中前3种是应纳税收入，分别受不同的税务待遇，最后一种资本返还是收入但不算应纳税收入。
你只要收到基金分配，并且里面包括红利，那么无论你收到的是现金还是基金单位，这个红利收入数字都会显示在T3表上。
这种传统的基金有一个弊端：就是有可能明明你赔了钱，却还要从口袋里拿现金缴税。前两天一位朋友给我打电话就是问这个问题：他前年买的一个基金去年年底赔钱卖掉了，这以前一次现金分配也没有收到过，可T3表上却还显示他在这支基金上得到了1万多元的分配收入，而且其中多数还是资本增值，明明赔了好几万块钱，反倒还要掏钱缴税，朋友为此着实气愤难平。
其实这个问题现在已经有办法解决。
基金的分配不一定都是分红，你看它叫distribution，不叫dividend。
基金分配里面可能包括红利，也可能包括资本增值和利息，甚至有的还包括资本返还，这4种成分中前3种是应纳税收入，分别受不同的税务待遇，最后一种资本返还是收入但不算应纳税收入。
你只要收到基金分配，并且里面包括红利，那么无论你收到的是现金还是基金单位，这个红利收入数字都会显示在T3表上。
这种传统的基金有一个弊端：就是有可能明明你赔了钱，却还要从口袋里拿现金缴税。前两天一位朋友给我打电话就是问这个问题：他前年买的一个基金去年年底赔钱卖掉了，这以前一次现金分配也没有收到过，可T3表上却还显示他在这支基金上得到了1万多元的分配收入，而且其中多数还是资本增值，明明赔了好几万块钱，反倒还要掏钱缴税，朋友为此着实气愤难平。
其实这个问题现在已经有办法解决。
最后编辑: 2009-04-03
回复: 加拿大税务局不想让你知道的秘密
如果没有受到1万的分红,可以向CRA申诉,可以免除. Capital Loss 可以在以后抵扣Captial Gain. 总的来说还是公平的，我公司以前的亏损可以在以后7年内抵扣盈利。
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回复: 加拿大税务局不想让你知道的秘密
Suppose Jason is right, why not buy the following financial product?
THE CANADIAN PRESS
Canada's big banks are returning to the preferred-share market to increase their capital, aiming to bulk up their security and raise their capacity to make loans or acquisitions.
Toronto-Dominion Bank has announced a new issue of up to $275 million of preferred shares. The TD preferred stock ? which counts as Tier 1 capital like common equity but provides a fixed return like a bond ? will pay 6.25 per cent for the first five years, then reset every five years at 4.33 per cent above the prevailing Government of Canada five-year bond yield.
Wednesday's announcement followed a similar $275-million issue by TD Bank last month, and came a day after Royal Bank of Canada announced an issue of up to $400 million of preferred stock, also yielding 6.25 per cent for five years but resetting at 4.42 per cent above the five-year Canada bond.
The Royal's new series followed two other RBC preferred issues which raised $625 million.
Other recent bank preferred sales have included a $325-million issue from CIBC yielding 6.5 per cent, two issues totalling $600 million from Bank of Nova Scotia at 6.25 per cent, and a $275-million issue at 6.5 per cent from Bank of Montreal.
The country's sixth-largest bank, National Bank of Canada, had to pay 6.6 per cent on a $145-million issue, and the HSBC Bank Canada unit of London-based HSBC on Monday announced an issue of up to $200 million of 6.6 per cent preferreds.
Suppose Jason is right, why not buy the following financial product?
THE CANADIAN PRESS
Canada's big banks are returning to the preferred-share market to increase their capital, aiming to bulk up their security and raise their capacity to make loans or acquisitions.
Toronto-Dominion Bank has announced a new issue of up to $275 million of preferred shares. The TD preferred stock ? which counts as Tier 1 capital like common equity but provides a fixed return like a bond ? will pay 6.25 per cent for the first five years, then reset every five years at 4.33 per cent above the prevailing Government of Canada five-year bond yield.
Wednesday's announcement followed a similar $275-million issue by TD Bank last month, and came a day after Royal Bank of Canada announced an issue of up to $400 million of preferred stock, also yielding 6.25 per cent for five years but resetting at 4.42 per cent above the five-year Canada bond.
The Royal's new series followed two other RBC preferred issues which raised $625 million.
Other recent bank preferred sales have included a $325-million issue from CIBC yielding 6.5 per cent, two issues totalling $600 million from Bank of Nova Scotia at 6.25 per cent, and a $275-million issue at 6.5 per cent from Bank of Montreal.
The country's sixth-largest bank, National Bank of Canada, had to pay 6.6 per cent on a $145-million issue, and the HSBC Bank Canada unit of London-based HSBC on Monday announced an issue of up to $200 million of 6.6 per cent preferreds.
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回复: 加拿大税务局不想让你知道的秘密
Pay Attention, the preferred share can NOT be traded in the stock market. The risk will be you might suffer the lose of stock price per share 5 yrs later after maturity.
But, I won't believe it the stock price of these banks could be further lower after 5 yrs. Check the stock price now about these banks from TSX.
I feel confused about another topic arguement on RESP. You can put all your RESP in the bank and buy these preferred shares of the Canadian big Banks. You can enjoy 6.75% yield yearly.
Pay Attention, the preferred share can NOT be traded in the stock market. The risk will be you might suffer the lose of stock price per share 5 yrs later after maturity.
But, I won't believe it the stock price of these banks could be further lower after 5 yrs. Check the stock price now about these banks from TSX.
I feel confused about another topic arguement on RESP. You can put all your RESP in the bank and buy these preferred shares of the Canadian big Banks. You can enjoy 6.75% yield yearly.
回复: 加拿大税务局不想让你知道的秘密
goood
goood
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