想请问懂行的人，低收入家庭有必要开那种5000的免税账户吗

[viper99]

http://www.tdcanadatrust.com/GICs/MktGrowth.jsp


Market Growth GICs

Unlike regular GICs, our Market Growth GIC returns are linked to the performance of one or more stock market indices, so you have the potential for higher returns. But unlike stocks, your principal is guaranteed no matter which way the markets move. And your investment has no foreign currency risk.
Choose from a selection of different Market Growth GICs

• GIC PLUS
  Return linked to the performance of the S&P/TSX 60.
• U.S. GIC PLUS
  Return linked to the performance of the S&P 500 Index.
• GLOBAL GIC PLUS
  Return linked to the combined performance of the S&P/TSX 60 (Toronto), S&P 500 (New York), FTSE 100 (London), Nikkei 225 (Tokyo) and DJ EUROSTOXX 50 (Frankfurt) indices. Weighting of each index determined by TD Canada Trust.
• FINANCIALS GIC PLUS
  Return linked to the performance of the S&P/TSX Banks Index.
• UTILITIES GIC PLUS
  Return linked to the performance of the S&P/TSX Capped Utilities Index.

Return Potential

For all Market Growth GICs, the return is calculated based on the percentage increase, if any, in the underlying index or indices over the term of the investment, subject to the Maximum Return. The Maximum Return is set on the date of purchase, and represents the highest return your investment can earn. Please refer to the Rate Information for current Maximum Returns.
Principal Protected

Your original principal is protected no matter which way the applicable stock market index goes!
If the market index increases over the term of your investment, you benefit from the increase up to the Maximum Return.

马甲同学，你是行家，能不能搞个简约版通俗易懂老百姓喜闻乐见型的？:blink:

 

[kentridge]

first, make sure you have >15000 annual retirement income. if you think that will from RRSP, then do your RRSP contribution first.

For low income family, TFSA is better than RRSP contribution. But you have to be sure that you will not face a situation of OAS claw back.

By the way, do you think you will be always in the low income class in all your life....I do not know. It could be hard.

 

[hayang]

问个问题，这个帐户里的钱可以随便取出来用吗？有惩罚吗？

 

[京华倦客]

问个问题，这个帐户里的钱可以随便取出来用吗？有惩罚吗？

随时取无所谓，不能随时存。。。

每年存入额最多$5000。。。

也就是说，如果你第一年没存，第二年总共只能存$10000，one way。。。

也就是说，如果你第一年没存，你可以第二年一月存两千，二月取一千，三月最多也就只能再存进去八千。。。

 

[ccc]

随时取无所谓，不能随时存。。。

每年存入额最多$5000。。。

也就是说，如果你第一年没存，第二年总共只能存$10000，one way。。。

也就是说，如果你第一年没存，你可以第二年一月存两千，二月取一千，三月最多也就只能再存进去八千。。。

年度储蓄额5000，取出不能再补。是这个意思？

 

[笑逐颜开]

这个是每年5000吗？我听说今年能存多少要根据通货膨胀率由政府决定。

 

[似云烟]

谢谢大家的热心回复，还有一个问题，如果今年不开户，那么明年可以追溯直接存一万吗？

假设明年有工作收入的话

 

[j2me_ottawa]

低收入项投资特别适合TFSA.因为RRSP对你意义不大。TFSA可以把投资所得收益全部免税。你要只考虑存GIC的意义也不大的。这种账户最好是求长期投资收益的。你如果想投短线，别费力气了，短线你能赚个2-3%不错了。2-3%的收益几乎不打税。

如果做长线，避税效率最好的是那些income trust (保守党搞的income trust政策满操蛋)。如果你放在正常投资账户会被吃掉很多谁。另外你最好投到股市里面，买个XIU.TO这种index fund.如果长线投资可以保证每年8-9%的收益。选择正确的income trust拿红利也是个很好的选择。我今年选了个Pizza Pizza income fund感觉这个fund还不错。目前一个月1%以上。加上我买的时间有好几个月了，还有capital gain.

 

[j2me_ottawa]

我个人目前的策略就用TFSA最为主要投资策略。因为我刚刚毕业没多久，所以还有好多学费tax credit没用。所以我目前不打算做RRSP。学费抵税从公式上来算是收入越高能抵得越多。等把学费税额用完后，我会马上把一部分投资所得从TFSA转到RRSP来抵收入税.

搂主首先你要明确自己的投资目的知道自己要达到个什么目标。不要盲目投入。你一定要知道TFSA做saving毫无意义。