问大家一个问题

[雪飘飘]

如果tax free 账户有五万额度，是不是你把五万额度只有放进tax free 账户投资才免税，如果你拿这个钱去投其他公司是要上税还是一样免税，还是超过这个额度要上税，有人能解答一下吗？多谢了。

 

[今剩叹]

只有用放进这个TFSA账户里的钱（相当于告知CRA），使用这个账户规定的投资收益才算是免税的。
不能说你有5万额度，可以随便任何地方投资而有免税收益。

 

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AI Overview

A Tax-Free Savings Account (TFSA) is a registered Canadian savings plan that allows your investments to grow and be withdrawn completely tax-free. Contributions are made with after-tax dollars and are not tax-deductible, but all investment income (interest, dividends, and capital gains) and all withdrawals are exempt from tax.

Key Features and Rules

• Eligibility: You must be a resident of Canada, have a valid Social Insurance Number (SIN), and be at least 18 years old (age of majority in your province/territory) to open a TFSA.
• Contribution Room: Unused contribution room carries forward indefinitely to future years. Withdrawals also add back to your contribution room, but not until the beginning of the following calendar year.
• Annual Limit: The TFSA annual contribution limit is set by the government each year.
  • The limit for 2025 is $7,000.
  • The cumulative total contribution room from 2009 to 2025 is $102,000 for an eligible individual who has been a Canadian resident throughout that period.
• Withdrawals: You can withdraw funds at any time, for any reason, without paying tax or affecting federal income-tested benefits such as Old Age Security (OAS) or the Guaranteed Income Supplement (GIS).
• Investments: A TFSA is not just a cash savings account; it can hold a variety of qualified investments, including cash, Guaranteed Investment Certificates (GICs), mutual funds, stocks, and bonds.
• Penalties: Over-contributing to your TFSA results in a penalty tax of 1% per month on the highest excess amount until it is withdrawn.

How to Manage Your TFSA

• Open an account: You can open a TFSA through various financial institutions like banks, credit unions, and insurance companies.
• Track your room: It is your responsibility to track your contributions to avoid over-contribution penalties. You can check your official contribution room through the CRA My Account service.
• Spousal contributions: You cannot contribute directly to a spouse's TFSA. However, you can give them money, which they can then contribute to their own account, using their own contribution room.

The TFSA is a flexible tool for short- and long-term savings goals, complementing other registered plans like the Registered Retirement Savings Plan (RRSP), which is primarily for retirement savings and offers an initial tax deduction on contributions.

 

[ottawa_tj]

如果tax free 账户有五万额度，是不是你把五万额度只有放进tax free 账户投资才免税，如果你拿这个钱去投其他公司是要上税还是一样免税，还是超过这个额度要上税，有人能解答一下吗？多谢了。

投其他公司，还是股票？

这个投资项目必须是经过批准的，可以接受TFSA的投资。