小心,Tax-Free Savings Account (TFSA)有陷阱！

[buddy]

原本想开这个帐号让暂时不用的钱下点蛋，账号上从没超过5000的上限。 昨天收到CRA的信，说是账号上累计超过了两万多，限期交%的税率。

他们的计算方法是只算进不算出，很荒唐，大家要小心了。

情况是不是这样的： 你用5000开个帐号，投资亏了钱，或者赚了取出来，余额低于5000。然后又存进去钱补足5000。

 

[ccc]

没有限制的话，大家都用TFSA玩存款和投资，那政府还能收到利息和资产增值税么。西方国家最健全的法规全在税务局。哈哈

 

[苦逼热狗]

TFSA是按照存入的金额总数目来计算的，而不是按照当前balance来计算的。今天存5000，明天取4000，后天再存4000的话，是按照你今年contribute了9000来计算的。

 

[dkwan]

How many will make lots of money in these accounts? People are used for Term deposit mostly which don't even beat the inflation. Also, how many people actually have $5000 to spare a year.... unfortunately.

 

[mengxingshifen]

one more question for this topic. The interest they charge you calculated by month or by year?
For example: I deposit 5000 in Jan this year. I took out 10000 at March and I put back 20000 in May. I took all the money back yesterday. How much would they charge me for the interest?

 

[dkwan]

Here is the calculation:
2009: $5000 deposit (assume)
Jan 2010: $5000 deposit
Mar 2010: $10000 withdraw
April 2010: no activity
May 2010: $20000 deposit ( penalty starts @1%, $200)
Jun 2010: $20000 withdraw (penalty continues @1%, $200 Total: $400)
July 2010: no activity (penalty stops. Total $400)

 

[mengxingshifen]

Thanks a lot to dkwan.
how come I withdrew the money to correct my mistake, but the penalty still continues?

 

[dkwan]

They use something call "High watermark of the month" to calculate penalty.
If any given date in a calendar month exceed the limit will incur penalty.
Example 1:
June 1: $10000 over limit
June 2: $10000 withdraw
Penalty will be charge at 1% for June.

Exmaple 2:
June 30: $10000 over limit
July 1: holiday which you can't withdraw money
This scenario will charge penalty for both June and July

 

[j2me_ottawa]

只能说服了.呵呵.投资一定要谨慎.看清楚自己到底在做什么.这样的错误太低级了

 

[myBull]

取出后的空间第二年Jan 1之后才能用,不然就超额罚款!

 

[我来说两句]

No penalties. 这个对不小心犯错误的人家是好消息：

http://ca.news.finance.yahoo.com/s/...ct-penalties-confusion-tax-free-accounts.html

 

[xujie]

I just read the news, it is good news for me.

The problem is that I have already mailed a cheaque to cra, don't know if I could get my money back.

 

[bbser]

那你就再写一封信要回来。加拿大政府不是贼

I just read the news, it is good news for me.

The problem is that I have already mailed a cheaque to cra, don't know if I could get my money back.

 

[xujie]

信发出去好几个礼拜喽，还没有任何消息。只能死马当活马医了。谁让俺当家的想当模范公民呢。紧催着把钱寄出去，生怕税务局收不到我家的钱导致政府倒闭鸟。

 

[bbser]

模范公民？ 你小看他了。 他可能想竞选下届的总理。LOL

信发出去好几个礼拜喽，还没有任何消息。只能死马当活马医了。谁让俺当家的想当模范公民呢。紧催着把钱寄出去，生怕税务局收不到我家的钱导致政府倒闭鸟。