请教GIC rate : 我一直现金都是saving account没时间管，0.8%到0.9%的利息。今年想弄成GIC ... 有没有用过omina direct和implicity的，安全吗

[daxigua001]

BMO 的building save account, 1.2% 用之前看一下policy, 至今没找到好的投资渠道。

 

[小雷音]

本身你也就是做这么低的回报率的GIC,何必本金还承担那么高的风险呢?最好只做加拿大的八大charter bank的,其它的经济动荡幅度一大,就犹如美国州立银行,说倒闭就倒闭.
小银行要靠类似你这样的高利率抢存款,放贷又只能给风险高资质差的客户放款来和大行竞争.利润两头挤压.
即使有存款保险,GIC好象已经属于投资(不确定),清算是次于cash的了.是cash equivalent性质了.

GIC我问了是不同的credit union的什么保险来保的，好象其中一个是阿省的，snowman说的EQ则是CDIC的，所以十万以内应该是保的。小银行虽然利润幅度两头挤压不假，但是其运作成本比大银行低不止一点点，所以这也是他们运作的一种方式，我觉得资金量不大的话应该没问题。

 

[轻舟已过万重山。]

I don't know what you mean AA. We share living expenses of course, but that doesn't mean everything is splitted into 50:50. Are all Chinese men support whole family on their own?
I didn't find one anyway.

Most of the Chinese men can support their spouses if need, my husband told me that he can try his best to support me all my life and let me do not worry about all the expenses in Canada.

 

[小雷音]

偏见,美股动荡大,做短线好.加股也很多稳定的.并且加拿大的大公司实际大部分都是美加两地上市的.
我现在不喜欢做美股.因为报税麻烦.老给CRA坑.

我的亲身实例,从加元换取美元买入某美股.该股后来卖出赚了10%,好那么当年报税capital gain 然后折成当年CRA提供的average exchange rate,换算成taxable capital gain in $CAD.
tricky的东西就在于这个CRA提供的当年average exchange rate.
我换的美元和后来卖出换回加元,结果是股票赚了10%,汇率确是跌了10%,实际上以加元我是没有实际收益.
但是,当时CRA并不recognize我exchange rate loss.结果就是我实际没赚钱,但是我被认为赚钱了上税.

报税是比较麻烦点，过十万还要报海外资产。至于计算capital gain，如果你可以确认每一个买卖时点的汇率的话，当然可以按当时汇率算，用年均汇率只是为了简便。

 

[小雷音]

Most of the Chinese men can support their spouses if need, my husband told me that he can try his best to support me all my life and let me do not worry about all the expenses in Canada.

I earn more unfortunately.

 

[Bryson]

http://business.financialpost.com/i...o/five-potential-pitfalls-of-preferred-shares

具体买的时候,肯定要自己看过招股说明书,搞清楚.

GIC我问了是不同的credit union的什么保险来保的，好象其中一个是阿省的，snowman说的EQ则是CDIC的，所以十万以内应该是保的。小银行虽然利润幅度两头挤压不假，但是其运作成本比大银行低不止一点点，所以这也是他们运作的一种方式，我觉得资金量不大的话应该没问题。

都只是一个概率问题.本身经济正常运行时候.倒闭可能性很小.小金融机构倒闭的概率本身也应该比车祸的可能性小.大浪来时,大银行也未必能独善其身.

 

[轻舟已过万重山。]

I earn more unfortunately.

Good for you, but it is very unfortunately that you earn more than your husband.

 

[小游]

Most of the Chinese men can support their spouses if need, my husband told me that he can try his best to support me all my life and let me do not worry about all the expenses in Canada.

这点要为中国男人点赞

也有很多中国家庭是女方收入高过男方的，中国女人也很赞。

古人云，夫妻同心其利断金，很有道理。

 

[laox888]

Good for you

怎么飙官方语言了？

 

[小游]

Good for you, but it is very unfortunately that you earn more than your husband.

别人有不如自己有

 

[小雷音]

Good for you, but it is very unfortunately that you earn more than your husband.

Even the queen is very unlucky then. .

 

[Bryson]

报税是比较麻烦点，过十万还要报海外资产。至于计算capital gain，如果你可以确认每一个买卖时点的汇率的话，当然可以按当时汇率算，用年均汇率只是为了简便。

你没完全明白我的CASE,关键问题是出在,我用加元换成美元,进行投资,然后换回加元的时候由于当年汇率跌的很多,亏了10%.这个CRA不给我exchange rate loss deduct against capital gain. 而我的capital是有10%. 实际没赚钱.CRA指定的exchange rate是用来所谓把以美元的capital gain换算成加元报收益而已.

核心是我外汇损失CRA不承认,也不给对应抵我那笔投资.
实际是外汇损失和资本利得wash off each other.
我没真正赚到钱,却要交税

 

[007KJJ]

I don't know what you mean AA. We share living expenses of course, but that doesn't mean everything is splitted into 50:50. Are all Chinese men support whole family on their own?
I didn't find one anyway.

as long as you are happy

 

[Bryson]

Even the queen is very unlucky then. .

不存在海外财产的麻烦,broker是加拿大的.

 

[轻舟已过万重山。]

怎么飙官方语言了？

No choice, I have to reply what she said.

 

[轻舟已过万重山。]

别人有不如自己有

这是夫妻双方共有财产, 不分你我。
我也是为了这个家庭才放弃工在异国他乡从新开始的。
我完全可以不用上学和工作的, 但是我重新上学, 边照顾孩子边干工作, 我非常伟大呀。
我老公知道我为了这个家放弃了一切, 包括自我。他心里有数, 我们为了这个家分工不同而已, 目的都是一个, 为了自己的孩子的未来, 分工明确。

 

[轻舟已过万重山。]

Even the queen is very unlucky then. .

But sorry, I'm not the queen as you think.

 

[小雷音]

你没完全明白我的CASE,关键问题是出在,我用加元换成美元,进行投资,然后换回加元的时候由于当年汇率跌的很多,亏了10%.这个CRA不给我exchange rate loss deduct against capital gain. 而我的capital是有10%. 实际没赚钱.CRA指定的exchange rate是用来所谓把以美元的capital gain换算成加元报收益而已.

核心是我外汇损失CRA不承认,也不给对应抵我那笔投资.
实际是外汇损失和资本利得wash off each other.
我没真正赚到钱,却要交税

the calculation should not be in the way you said. If you bought it 10 years ago, are you going to use a ten year average rate?

 

[小游]

这是夫妻双方共有财产, 不分你我。
我也是为了这个家庭才放弃工在异国他乡从新开始的。
我完全可以不用上学和工作的, 但是我重新上学, 边照顾孩子边干工作, 我非常伟大呀。
我老公知道我为了这个家放弃了一切, 包括自我。他心里有数, 我们为了这个家分工不同而已, 目的都是一个, 为了自己的孩子的未来, 分工明确。

这就是我说的夫妻同心呀

在这个基础上，我希望我的收入越高越好，为啥比老公挣得多就是unfortunate呢

 

[Bryson]

the calculation should not be in the way you said. If you bought it 10 years ago, are you going to use a ten year average rate?

the same year