- 主题发起人 aywl
- 发布时间 2018-12-12
我看到的方法是，贷款投资的利息可以抵税。所以像楼主朋友的情况，应该加大贷款投资，分几年把RRSP取出来，变成投资收益。比如，今年贷款投资的利息是4万，取RRSP7万，实际算联邦税可以只是3万。假如投资很失败，仅仅赚回利息钱4万，则留着，等将来卖出时，按照资本收益一半，即2万缴税。
不明白就需要学习，请自己上CRA查询贷款利息支出的报税即可。至于投资收益，我已经在回复解释了，假定投资很失败，仅仅赚回利息。
加拿大的资本收益，分三大项：利息、分红，以及买卖差价的投资收益。贷款投资收益是卖出的钱减掉买入的钱，但不减贷款利息，贷款利息作为成本，每年报税时可以抵扣；一个例外是贷款投资时已经确定不赚分红，仅赚差价，则贷款利息不能单独抵扣。如果还不明白，请找本加拿大版本的经济或者会计的书再看看。
那么收到的退休金 会或多或少吗。https://www.canada.ca/en/revenue-ag...e-221-carrying-charges-interest-expenses.html
Line 221 - Carrying charges and interest expenses
Claim the following carrying charges and interest you paid to earn income from investments:
Line 221 - Carrying charges and interest expenses
Claim the following carrying charges and interest you paid to earn income from investments:
- fees to manage or take care of your investments (other than any fees you paid for services in connection with your pooled registered pension plan, registered retirement income fund, registered retirement savings plan, specified pension plan, and tax-free savings account);
- fees for certain investment advice (see Interpretation Bulletin IT-238, Fees Paid to Investment Counsel) or for recording investment income;
- fees to have someone complete your return, but only if:
- you have income from a business or property;
- accounting is a usual part of the operations of your business or property; and
- you did not use the amounts claimed to reduce the business or property income you reported (see Interpretation Bulletin IT-99, Legal and Accounting Fees);
- most interest you pay on money you borrow for investment purposes, but generally only if you use it to try to earn investment income, including interest and dividends. However, if the only earnings your investment can produce are capital gains, you cannot claim the interest you paid. For more information, contact the CRA;
- interest you paid during 2017 on a policy loan made to earn income. To make this claim, have your insurer complete Form T2210, Verification of Policy Loan Interest by the Insurer, on or before the date your return is due; and
- legal fees you incurred relating to support payments that your current or former spouse or common-law partner, or the natural parent of your child, will have to pay to you. You can also deduct your expenses in the following situations:
- You collected late support payments.
- You established the amount of support payments from your current or former spouse or common-law partner.
- You established the amount of support payments from the natural parent of your child (who is not your current or former spouse or common-law partner) where the support is payable under the terms of an order.
- You sought to obtain an increase in support payments.
三楼说的只是理财收入怎么能避税，那是拿了rrsp后理财才需要考虑的问题。rrsp拿出来的时候就已经先交了税。楼主问的是有什么办法取出来的时候少交税。两个人说的都不是同一page。
现在问晚了。像他这样高的收入，一般都不需要老婆工作的。当年买rrsp的时候应该买在老婆名下。这样取出来就是按老婆的边际税率交税。
现在问晚了。像他这样高的收入，一般都不需要老婆工作的。当年买rrsp的时候应该买在老婆名下。这样取出来就是按老婆的边际税率交税。
有一个不懂装懂的。我讲的，你看了吗？
如果一个人只有RRSP，没有其他收入。一年内取RRSP 5万出来，则当年收入为5万。
如果一个人有RRSP，仍然一年内取RRSP 5万；并办理了贷款80万投资，利率为5%，一年利息4万，假设投资很失败，仅仅涨了4万，投资收益不进行变现，即在帐内有投资现值84万。报税时，联邦税，抵扣贷款利率后在免税额度内，其实实缴是0，省级税，则要具体计算。总体结果，RRSP账户5万已经被取出并已报税，投资现值84万中有4万为未兑现收益，留待将来交税。将来交税，变现时按照投资收益减半来说，其实只要2万来计算交税额就好了。
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不能一概而论。如果高收入的一方已经超过最高税率，则需要高收入买rrsp直到最高边际税率点
当然。所有理财收入支出互相抵消后按净利润（记得只算一半）加到总收入里按最高边际税率交税。
连举例子也看不懂。算了，每人对自己的事情负责，没必要继续了。
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