好像TFSA买美股的话还是要缴税的,那么请问用RRSP美元账户买SPY 或者QQQ ETF怎么样?长期投资
还有,现在买SPY/QQQ是好时机吗? 谢谢
还有,现在买SPY/QQQ是好时机吗? 谢谢
withholding tax是预扣税,比如你从RRSP取5000元,减去预扣税是10%(500元),你实际到手的是4500元。谢谢回复。我也不知道withholding tax是啥
用tfsa更好,虽然美股股息部份会被扣税,拿70%,但投资收益不交税,拿钱出来也是自由的好像TFSA买美股的话还是要缴税的,那么请问用RRSP美元账户买SPY 或者QQQ ETF怎么样?长期投资
还有,现在买SPY/QQQ是好时机吗? 谢谢
感谢TSFA的股息和利息收15%的withholding tax, Capital gain是不收的,如果投资美股是用来收股息的,可以用RRSP账户,这样分红是不收税。但是以后取出来还是要收的
谢谢withholding tax是预扣税,比如你从RRSP取5000元,减去预扣税是10%(500元),你实际到手的是4500元。
2. Your RRSP withdrawals are taxable
Any withdrawals from your RRSP are immediately subject to withholding tax.
If you withdraw up to $5,000, the withholding tax rate is 10%.
If you withdraw between $5,001 and $15,000, the withholding tax rate is 20%.
If you withdraw more than $15,000, the withholding tax rate rises to 30%.
Note that these tax rates apply to everywhere in Canada except Quebec. In Quebec, provincial tax rates apply on top of the federal withholding tax.
The hidden costs of early RRSP withdrawals
Has an unforeseen financial setback led you to consider dipping into your RRSP early? Find out in 2 minutes what early RRSP withdrawals can cost you.www.sunlife.ca
谢谢用tfsa更好,虽然美股股息部份会被扣税,拿70%,但投资收益不交税,拿钱出来也是自由的
RRSP投资,美股股息能拿全,但将来从resp取钱是需要交税的
买SPY/QQQ这样的指数ETF 不用讲究什么好时机,定期定投就好,有时间的话多观察,逢低买入,越低越买,效果更好
现在SPY/QQQ都是历史最高点,很多人有恐高症不敢买,但谁也不知道它们是否还会继续涨,涨多久多高会开始回调,保险起见不要一次买入,分期分批的建仓
在TD 的TFSA里有放一些现金做应急用,刚在Questrade开了个TFSA账户,自己在TD的网上以 bill payment 的形式把TFSA里的现金转了一部分去 Questrade 的 TFSA账户,没有取出现金再存入Questrade,而是通过 TFSA 转 TFSA的形式 。想请教一下,这样转账会影响 TFSA 的 contribution room 吗?谢谢