我妈手头有4，5万cash，想问一下有什么好的投资办法
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爱尔兰咖啡豆
四大才子之机甲重
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乘挺傻大姐还没出现，我先班门弄斧一下
首先，请不要以你的名义投资。因为你母亲目前的收入水平应该比你要低，那么如果以她自己的名义来投资的话，所要缴付的税就要比以你名义投资来得少。
其次，我不知道你投资的目的和目标是什么，所以只能假设是为你母亲进行投资。我想你母亲的年龄应该在55-70岁之间，那么她的投资目标应该是保本和INCOME。那么我建议你可以咨询一下专业的理财师，比如本版的挺傻大姐。为你母亲建立一个适合她的 investment portfolio,比如说，可以是 60％-70% fixed income(比如 mutual funds,bonds,high－grade preferred shares),20%－30% growth instruments(比如，common shares,growing mutual funds),最后是10% money market instruments(比如 GIC,CD,short-term bond(<1年)，CSB,等等)
4,5万的话， 10% 应该有 $4000-5000，这些投资产品很容易兑现，所以主要用来做紧急备用金以备不时之需
Good Luck!
首先，请不要以你的名义投资。因为你母亲目前的收入水平应该比你要低，那么如果以她自己的名义来投资的话，所要缴付的税就要比以你名义投资来得少。
其次，我不知道你投资的目的和目标是什么，所以只能假设是为你母亲进行投资。我想你母亲的年龄应该在55-70岁之间，那么她的投资目标应该是保本和INCOME。那么我建议你可以咨询一下专业的理财师，比如本版的挺傻大姐。为你母亲建立一个适合她的 investment portfolio,比如说，可以是 60％-70% fixed income(比如 mutual funds,bonds,high－grade preferred shares),20%－30% growth instruments(比如，common shares,growing mutual funds),最后是10% money market instruments(比如 GIC,CD,short-term bond(<1年)，CSB,等等)
4,5万的话， 10% 应该有 $4000-5000，这些投资产品很容易兑现，所以主要用来做紧急备用金以备不时之需
Good Luck!
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First we need to know the status of your mother, is she a "tax resident" in Canada? If yes, is she just visiting and will eventually return home, or is she a PR? Also what will happen to the money if she needs to return home after her stay? The tax implications are different depending on the status of your mother.
In general, say, she is visiting, and she's got a bank account with one major Canadian bank, then she's considered a resident for tax purpose. And the interest income is subject to tax, but since she gets over $8000 exempt quota too, it's technically tax free. In this case, it's better Not to invest the money in your name. Don't think you can avoid tax if you move the money into your kid's name either, as all interest income is taxed under the guardian, which is you.
If she needs to go home after her stay, then her status will change, and whatever she has in Canada the interest income is subject to a 20% tax, the same as the tax rate in China.
If your mother is a PR, that's a different story, and need to take all other factors into consideration, her CPP/GIS/pension if any.
Just my two cents.
In general, say, she is visiting, and she's got a bank account with one major Canadian bank, then she's considered a resident for tax purpose. And the interest income is subject to tax, but since she gets over $8000 exempt quota too, it's technically tax free. In this case, it's better Not to invest the money in your name. Don't think you can avoid tax if you move the money into your kid's name either, as all interest income is taxed under the guardian, which is you.
If she needs to go home after her stay, then her status will change, and whatever she has in Canada the interest income is subject to a 20% tax, the same as the tax rate in China.
If your mother is a PR, that's a different story, and need to take all other factors into consideration, her CPP/GIS/pension if any.
Just my two cents.
