请教：怎么投资RRSP？

[老顽童]

RRSP只能买30%的美国股，剩下70%投资什么好呢？加拿大有什么好的股或FUND可以投资吗？

 

[klin]

Ask Barry, newbarry@hotvoice.com, she's a good fund adviser. I will not buy any stocks in rrsp, that's too risky for rrsp. I would suggest u buy income or balanced funds instead of stocks to earn dividend/interest. Capital gain is on the low tax bracket (only 50% will be taxable income), u can then risk ur money at stocks outside rrsp and targeting capital gain.

Rember, dividend/interest has much higher tax bracket than capital gain.

 

[老顽童]

Thanks klin! I will ask Barry soon. I didn't catch your last words. What do you mean "dividend/interest has much higher tax bracket than capital gain'?

 

[klin]

100% of interest income is taxable income, not sure for dividend, but won't be low. as for capital gain, only 50% of it is taxable. that being said, u should try all ur best to earn dividend/interest in rrsp, the tax shelter, and risk ur money for capital gain outside of it.

 

[老顽童]

got it. thx