请高手帮忙解决TFSA的问题

[Marvin]

呵，肯定不能超过每年5千的额度。去年的5千刀额度，今年用，当然是可以存一万啊。

您说的“中间提款，可以在下一年1月1号后补存”，肯定有误。

简单说，每年ＴＦＳＡ的总存款额，不能超过5千刀；存入后再提出，不能补。换句话说，额度一次性有效，用过作废。

“中间提款，（提款当年不能补存）可以在下一年1月1号后补存”这个说法绝对正确的，除了多存要罚款我不知道。不相信你可以打电话去银行问，我说错了立刻把马桶给吃了还上传照片给你看
我以前在 TD waterhouse 做过一段时间，这个问题回答了无数遍，而且我也亲自做过，我2009年存了5千，年底拿了4千出来，今年1月又存进9千

 

[闲得慌]

每年只能存入5,000。如果中间提款，不能再填补进去。换句话说，只计存入金额，不减掉提款金额。如果每年存款金额超过每年5,000的额度，超过部分，1%的罚款（1%税）。

这个听起来很划算。如果回报平均每年5%（不难吧！），才收税1%。如果你的年收入超过3万，肯定赚。

 

[ccc]

“中间提款，（提款当年不能补存）可以在下一年1月1号后补存”这个说法绝对正确的，除了多存要罚款我不知道。不相信你可以打电话去银行问，我说错了立刻把马桶给吃了还上传照片给你看
我以前在 TD waterhouse 做过一段时间，这个问题回答了无数遍，而且我也亲自做过，我2009年存了5千，年底拿了4千出来，今年1月又存进9千

You are correct. I didn't know this.

"Withdrawals, excluding qualifying transfers, made from your TFSA in the year will be added back to your TFSA contribution room at the beginning of the following year."

 

[sable93]

每月1%，一年roughly 12%. 当然如果想楼主的情况，存了一个月立即取出，只罚一个月，35000x1%。

很多人犯这个错误，可以给税务局写信[我都不知道怎么措辞]说第一年不知道规矩，请求赦免罚款。但是我看很难，规则就是规则。

还听 Mr. dkwan 的吧，写封信解释一下。他是战斗在敌人心脏的我们的余则成同志，听他的没错。

 

[蓝雪花]

我一直以为是多存了钱，得了利息，那么这个多出来的利息需要交税。
“比如存了2万，一年共有利息200元，
但额度只有1万，那么利息中的100元需要交税。”

看起来这么理解是错误的，事实是多出来的1万元，以每月1%的利息缴税，是这样的吗？好像很不公平，一万元已经是税后收入了。

 

[dkwan]

I guess I need to hold a seminar to show do's and dont's with TFSA. So many confusions out there.
In CRA, there is a section which process taxpayer relief requests, if you can explan why you make such a mistake, and you regret your action as soon as you realize you are violating the term and conditions and corrective action was done immediately. They usually can provide a one-time relief on your case.

Good luck.

 

[dkwan]

Your room: 10,000
Deposit into TFSA: 20,000 (after tax income)
Earning using 20,000: 200 (tax free)
Penalty tax: 10,000@1%/month = $100 x 12 = $1200

So, that $1200 CRA charges you is a type of penalty(they call penalty tax), is to discourage any inappropiate activities with the system.

我一直以为是多存了钱，得了利息，那么这个多出来的利息需要交税。
“比如存了2万，一年共有利息200元，
但额度只有1万，那么利息中的100元需要交税。”

看起来这么理解是错误的，事实是多出来的1万元，以每月1%的利息缴税，是这样的吗？好像很不公平，一万元已经是税后收入了。

 

[ccc]

我一直以为是多存了钱，得了利息，那么这个多出来的利息需要交税。
“比如存了2万，一年共有利息200元，
但额度只有1万，那么利息中的100元需要交税。”

看起来这么理解是错误的，事实是多出来的1万元，以每月1%的利息缴税，是这样的吗？好像很不公平，一万元已经是税后收入了。

超过额度存入的钱是税后的，但是所得利润是须纳税的。这是防止杜绝有人滥用TFSA逃税。

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

 

[ccc]

Your room: 10,000
Deposit into TFSA: 20,000 (after tax income)
Earning using 20,000: 200 (tax free)
Penalty tax: 10,000@1%/month = $100 x 12 = $1200

So, that $1200 CRA charges you is a type of penalty(they call penalty tax), is to discourage any inappropiate activities with the system.

这个解释专业，清楚。谢谢！

注意到那个罚款是１％／月。够恨。哈

 

[lindamy]

问个初级问题，这个帐户是每年可以5000，利息不用交税吗？如果去年没放，今年补上，两年放1万可以吗？

 

[JK Ottawa]

After reading so many posts, I am getting confused. I am asking a stupid but possible simple question:

If I deposit $4500 to the TFSA account,
after 6 months, the money (stocks) becomes $20000.
Then I sell the stock and take out $15000 out for some other use.
Next year, I want to deposit as much as I can.
Can I deposit $500 + $15000 + $5000 to the account without penality?

Thanks a lot.

 

[wiiwii]

After reading so many posts, I am getting confused. I am asking a stupid but possible simple question:

If I deposit $4500 to the TFSA account,
after 6 months, the money (stocks) becomes $20000.
Then I sell the stock and take out $15000 out for some other use.
Next year, I want to deposit as much as I can.
Can I deposit $500 + $15000 + $5000 to the account without penality?

Thanks a lot.

no

 

[wiiwii]

这个东西是很CONFUSING，当时记的银行的人和我讲，不管拿多少钱出去，放回来的时候里面最多是5000，千万不要超过5000，现在看来他们讲的有问题啊

 

[BobtheBuilder]

What the CRA says

After reading so many posts, I am getting confused. I am asking a stupid but possible simple question:

If I deposit $4500 to the TFSA account,
after 6 months, the money (stocks) becomes $20000.
Then I sell the stock and take out $15000 out for some other use.
Next year, I want to deposit as much as I can.
Can I deposit $500 + $15000 + $5000 to the account without penality?

Thanks a lot.

From CRA's pamphlet regarding TFSA:http://www.cra-arc.gc.ca/E/pub/tg/rc4466/rc4466-e.html

Example 1
In 2009, Sarah contributed $5,000 to her TFSA. In 2010, she makes another $5,000 contribution to her TFSA. Later that year, she withdraws $3,000 for a trip to Europe. Unfortunately, her plans change and she cannot go. Since Sarah already contributed the maximum to her TFSA earlier in the year, she has no TFSA contribution room left. If she wishes to re-contribute part or all of the $3,000, she will have to wait until the beginning of 2011 to do so. If she re-contributes before 2011, she will have an excess amount in her TFSA and will be charged a monthly tax of 1% on the highest excess TFSA amount for each month that an excess exists in the account.

Example 2
In 2009, Carl is allowed to contribute $5,000. He contributes $2,000 for that year.
2009 TFSA dollar limit: ............................................................... $5,000 2009 contributions: .................................................................- $2,000 Unused TFSA contribution room
available for future years ................................................................ $3,000
In 2010, Carl does not contribute to his TFSA, but he makes a $1,000 withdrawal from his account.
2009 unused TFSA contribution room ...................................... $3,000 2010 TFSA dollar limit ............................................................+ $5,000 2010 unused TFSA contribution room
available for future years ........................................................... $8,000
Carl's unused TFSA contribution room for 2011
2010 unused TFSA contribution room ................................................................................................ $8,000 2010 withdrawal ......................................................................+ $1,000 2011 TFSA dollar limit ............................................................+ $5,000 2011 Unused TFSA contribution room at the beginning of 2011....................................................... $14,000------

So I tend to agree that the you could deposit $500 + $15000 + $5000 back to TFSA for the next calendar year without penality, however it's only hypothetical, I doubt you would get even 100% return to the initial 5k investment, so in reality, I don't think this will be an issue. But as it is clearly stated in another example in the above CRA handout:

Investment income earned by, and/or changes in the value of TFSA investments will not affect your TFSA contribution room for the current or future years.

Example
John was eager to open his TFSA. He contributed the full $5,000 on January 2, 2009. On the advice of his broker, he had opened a self-directed TFSA and invested in stocks that over performed the market. By the end of 2009, the value in John’s TFSA had increased in value to $6,800. John was worried that for 2010 he would only be able to contribute $3,200 (the TFSA dollar limit of $5,000 for 2010 less the $1,800 increase in value in his TFSA through 2009). Neither the earnings generated in the account nor the increase in its value will reduce the TFSA contribution room in the following year, so John can contribute up to another $5,000 in 2010 to his TFSA.

I would also suggest to take a look at Gord Pape's book on TFSA. He would have covered all scenarios.

 

[lindamy]

似乎是每年可以存5000，取出后，不能再存进去。还是很糊涂。