请教金融问题

[qiliuwin]

CIBC的TFSA GIC 或称 Tax Advantage Savings account 是个什么样的金融产品？ 谢谢。

 

[Country on wheel]

A Guaranteed Investment Certificate (GIC) is a secure investment that guarantees 100% of the original amount that you invested. Your investment earns interest, at either a fixed or a variable rate, or based on a pre-determined formula.
***
Tax-Free Savings Account (TFSA) for Individuals

<!-- InstanceBeginEditable name="Main content" -->Since January 1, 2009, Canadian residents who are 18 years of age or older with a valid Social insurance number (SIN) are eligible to contribute up to $5,000 annually to a TFSA.
The initial amount contributed as well as the income earned in the account (for example, investment income and capital gains) is tax-free, even when it is withdrawn.

http://www.cra-arc.gc.ca/tx/ndvdls/tpcs/tfsa-celi/menu-eng.html

 

[cmah]

A Guaranteed Investment Certificate (GIC) is a secure investment that guarantees 100% of the original amount that you invested. Your investment earns interest, at either a fixed or a variable rate, or based on a pre-determined formula.
***
Tax-Free Savings Account (TFSA) for Individuals

<!-- InstanceBeginEditable name="Main content" -->Since January 1, 2009, Canadian residents who are 18 years of age or older with a valid Social insurance number (SIN) are eligible to contribute up to $5,000 annually to a TFSA.
The initial amount contributed as well as the income earned in the account (for example, investment income and capital gains) is tax-free, even when it is withdrawn.

http://www.cra-arc.gc.ca/tx/ndvdls/tpcs/tfsa-celi/menu-eng.html

有一个问题：
能不能用TFSA的钱或RRSP的钱，投资炒房？:blink:

 

[Country on wheel]

One can withdraw money from TFSA (including the amount you earned in side TFSA) with no tax, and put back in next year (not in the same year).

Regarding RRSP, It seems for the first time buyer, one can withdraw up to $20,000 to purchase a house with no tax, and pay back in 15 years. Someone correct me if I am wrong.

 

[ccc]

有一个问题：
能不能用TFSA的钱或RRSP的钱，投资炒房？:blink:

开始没有注意，仔细看，是西迈的问题。您是文学水准高点，问这个问题尚属正常。

自己再琢磨几分钟，答案就有了。

 

[ccc]

我文学底子薄，怎么炒法？愿闻其详。

西迈是累了。明天他就自己来报答案了。

 

[cmah]

西迈是累了。明天他就自己来报答案了。

我是认真的。

既然投资免税，那么投资基金股票和投资房地产有什么不一样？

 

[ccc]

我是认真的。

既然投资免税，那么投资基金股票和投资房地产有什么不一样？

投资房地产，那钱不出你的ＴＦＳＡ吗？赚了钱的话，如何回到你的户头？是由银行替你运作，是么？

 

[cmah]

投资房地产，那钱不出你的ＴＦＳＡ吗？赚了钱的话，如何回到你的户头？是由银行替你运作，是么？

胡砍，把condo们做成基金的形式。

 

[ccc]

胡砍，把condo们做成基金的形式。

哪家银行有这个投资产品？

 

[cmah]

哪家银行有这个投资产品？

华尔街，雷曼兄弟。这个新的金融产品版权归我。

 

[ccc]

华尔街，雷曼兄弟。这个新的金融产品版权归我。

还真别说，这应该是个好的投资产品。似乎还真是你的发明。

 

[cmah]

还真别说，这应该是个好的投资产品。似乎还真是你的发明。

我从小就有骗子的天分。

 

[ccc]

我从小就有骗子的天分。

可能略有逊色。