For fiscally responsible Chinese, maybe another reason to vote for Conservative?

[BobtheBuilder]

Liberal and NDP will "Pull back TFSA contribution limit from $10,000 to $5,500"

http://www.theglobeandmail.com/report-on-business/tfsas-surface-as-election-issue-as-opposition-vows-to-reverse-increased-limit/article26316436/

 

[ccc]

全国有多少人有存款在TSFA、有多少人能用足$5,500/$10,000额度?

 

[lifewinner]

纯粹为少数富人设立的。

 

[BobtheBuilder]

Not necessarily so. From the chart, you can tell the age group 75 and over have the highest number of "maximizers". My guess is that they simply moved the fund in "non-registered" account into TFSA, as it's a great savings vechicle. I'd rather manage my own savings, then surrender them to irresponsible government to save (=spend) for me.

 

[ccc]

Not necessarily so. From the chart, you can tell the age group 75 and over have the highest number of "maximizers". My guess is that they simply moved the fund in "non-registered" account into TFSA, as it's a great savings vechicle. I'd rather manage my own savings, then surrender them to irresponsible government to save (=spend) for me.

用足额度的，55岁以上的人占１２%－２２％（７５岁以上）。

我们有多少人每年存入$10,000；７５岁以上的人把余钱转移到TFSA，也只有22%的人能用足额度。

受益的是极少数的人。

 

[New Person]

No money for TFSA, don't care.

 

[耶书仑]

Then why bother to change the policy? For a country, policy consistency is critical, to me, at least.

 

[uglyducking]

Then why bother to change the policy? For a country, policy consistency is critical, to me, at least.

切，原来还没有TFSA呢，why bother to create one if you need policy consistency

 

[ccc]

Then why bother to change the policy? For a country, policy consistency is critical, to me, at least.

照顾富人，忽悠选民。选民望梅止渴，浑然不知。

 

[耶书仑]

切，原来还没有TFSA呢，why bother to create one if you need policy consistency

照顾富人，忽悠选民。选民望梅止渴，浑然不知。

It took me a few years to use it. Perhaps I am too slow to follow up. 你说的很有道理呀！

忽悠也得有本事！其实没有＂最好＂，一般而言，最好不让人久＂坐＂，新任三把火。

 

[ccc]

切，原来还没有TFSA呢，why bother to create one if you need policy consistency

对个人来说，最实在的就是提高个人收入／配偶／子女的免税额。

可是，政府不愿意这么做，税收实实在在地少了。

 

[Anakin]

能把RESP＋RRSP买满＋房贷还完再说。
No money for TFSA, don't care.

 

[ccc]

能把RESP/RRSP买满再说。
No money for TFSA, don't care.

呵，如果两个孩子，三项都供满，每年多少钱？

RESP: $2,500 x 2
RRSP: 个人收入的18% x 2
TFSA: $10,000 x 2

谁提高个人收入／配偶／子女的免税额，我就选他了。 各种福利就是忽悠我。

 

[Anakin]

呵，如果两个孩子，三项都供满，每年多少钱？

RESP: $2,500 x 2
RRSP: 个人收入的18% x 2
TFSA: $10,000 x 2

还有房贷的不用想了，除非有米米哥那个本事。大体上算了一下家庭税前200K无房贷可以办到。如果天天稀饭下泡菜15万也可。

 

[BobtheBuilder]

My personal preference is TFSA. I don't contribute to RRSP.