how you can make the investment outside RRSP tax deductable

[kentridge]

here is the situation.

i have 10,000 investment stocks, mutual funds and GIC and I also have about 10,000 RRSP room. Now, i will sell that 10,000 and of course, i will pay the tax for captial gains.

Later on, i will purchase that 10,000 investment back but this time the money will be in my RRSP.

The question is how i can get tax break by doing this? which part of cost can deduct income tax and what other fees i need to pay.

thank a million

 

[挺傻]

GIC获利不是 capital gain，是interest income.mutual fund也可能是dividend income
你contribute RRSP的的钱可以tax deductible.你把那些投资买进来后将来获利无论是capital gain, dividend or interest income你都不需要再交税了。开RRSP帐户不需要交钱，当然如果你要是做SELF DIRECTED钱在一定数额下需要交纳年管理费。如果你不SELF DIRECTED,也可以投资MUTUAL FUND, GIC.

 

[十一郎]

what is the difinition of self directed? stock?

 

[qwer]

最初由 挺傻 发布

你contribute RRSP的的钱可以tax deductible.你把那些投资买进来后将来获利无论是capital gain, dividend or interest income你都不需要再交税了。

不是吧，
应该是，RRSP“将来” 你的所有获利连同本钱都要100%用来交税， 只是将来收入少，税率低一点。因为本钱现在没有交税。

 

[qwer]

最初由 kentridge 发布
here is the situation.

i have 10,000 investment stocks, mutual funds and GIC and I also have about 10,000 RRSP room. Now, i will sell that 10,000 and of course, i will pay the tax for captial gains.

Later on, i will purchase that 10,000 investment back but this time the money will be in my RRSP.

The question is how i can get tax break by doing this? which part of cost can deduct income tax and what other fees i need to pay.

thank a million

买RRSP的钱，可以用来减税，而不管你买了什么，具体是从你的 Net income 中减，减少你的 taxable income, 也就是说，从边际税率往下减，你的那年的收入高才华算。

RRSP外面的钱，只有Capital Gain, 按50%算收入，分红和利息按100%。
还有就是 Flow-Through 和 劳工基金可以减税，减税不是退税，你要有税才可以减。但是风险高。

还有捐赠，但有法律风险，极力不主张。

 

[qwer]

如果你特有钱，
可以注册海外公司，利用非赢利基金，人寿保险。
你需要顾问。
我估计我们都是普通人......