哪家银行的Tax free saving account 利息高？

[camelie]

PCfinance 的TFSA利息3.75%， 还有更高的吗？

 

[TonerGuy]

PCfinance 的TFSA利息3.75% is the highest, beat anyone, plus you get bonus in the year end.

 

[小鱼儿]

除了利息，建议再查查admin fee，也就是管理费。TD, CIBC都要收100--150的费用，PC的要不要收费还不清楚。。。。。据我所知，BMO是不收费的，利息3%。我刚在那里开的。

 

[sip]

谁能给科普一下，Tax Free Saving Account如何Free Tax的。公司在发给你工资以前，已经把税扣掉了，是否明年报税时，你才能把Tax Credit报回来？此外，最多可以存多少。可以给配偶开同样的账号，抵双份税吗？

 

[sip]

Only interest is tax free,and if you deposit more than 5000 in this account each year, you'll get fined.

I see. That does not save much money.

 

[嘟嘟狼]

I see. That does not save much money.

一两年可能感觉不出什么大区别，10-20年对低税收的朋友们还是挺客观的。

 

[zyhoo]

请教个问题，如果家人从国内汇钱来，报税的时候需不需要算做income？还是可以不报？谢谢

 

[闲丸]

请教个问题，如果家人从国内汇钱来，报税的时候需不需要算做income？还是可以不报？谢谢

不需要

 

[小鱼儿]

Tax Free Saving Account如何Free Tax的。

What is the Tax-Free Savings Account (TFSA)?
The TFSA is a type of registered savings account that allows taxpayers ages 18 and over to earn interest, other types of investment income and capital gains tax-free.

How will I know what my TFSA contribution room is for any given tax year?
The CRA will determine TFSA contribution room for each eligible individual who files an annual T1 individual income tax return. Your financial institution which holds the TFSA will report your contributions and withdrawals, so that CRA will be able to keep track of how much contribution room you have used and how much you have left.

最多可以存多少。
Can I own more than one Tax-Free Savings Account (TFSA)?
There is no limit to the number of Tax-Free Savings Accounts (TFSAs) you may own – although the annual TFSA dollar limit per person is still $5,000 per person, per year. Your TFSA contribution room is the same regardless of the number of TFSAs you hold.

For example, your maximum contribution limit for 2009 will be $5,000, therefore you can open one TFSA to which you contribute $3,000 and another TFSA to which you contribute $2,000, so your total combined TFSA contributions equals the maximum of $5,000.

 

[zyhoo]

不需要

谢谢

 

[wang ying]

BOM has a promotion @3.75 for 2 years GIC, your TRSA aslo can have this rate. i just got call form the bank officer, haven't buy yet. you may confim it.

 

[41692]

感兴趣。。。

开这个帐号银行要收手续费吗？

 

[小鱼儿]

开这个帐号银行要收手续费吗？

BMO不收手续费，因为刚在那里开；CIBC听说有手续费。。。你可以打电话shopping around先，再做决定。

 

[QING]

ING Guaranteed Investment (GIC) up to 4.00%

When you enroll a new account please enter the Orange Key:
14887740S1

Here is the link:
ING DIRECT Canada: Sign me up!

Save up to $5,000 tax-free and at an interest rate higher than most of the major banks.
Whether you're saving for a vacation, a car, or just for a rainy day, a Tax-Free Investment Savings Account makes sure the power of compound interest works for you, not the Tax Man.
Sign up now and earn high interest tax-free plus get a $13 bonus on your first account.

• Tax-Free and high interest
• No Minimums - every dollar you save grows
• No Service Charges or fees
• Canada Deposit Insurance Corporation eligible

 

[dz2002ca]

不要只看利率高, 查查破产后有没有保险