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枫下茶话 / 政治经济 / 第一次玩这个 - just curious
-cactus101(贤锡饭);
2011-4-12
{114}
(#6617101@0)
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算法有误,省的只是赚的那部分钱的收入税( tax on 50% of capital gain or 100% of interest),你每年存入的本金($5,000)是税后的钱。
-iron(swim, bike & run);
2011-4-12
(#6617166@0)
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a rough estimate is fine
-cactus101(贤锡饭);
2011-4-12
(#6617309@0)
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这东西看2年和看20年,差别是天上地下。
-coolmao(酷猫*Zensunni);
2011-4-12
(#6617330@0)
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Let's look at up-to-date data only
-cactus101(贤锡饭);
2011-4-12
(#6617344@0)
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这得是投资的好手
-cactus101(贤锡饭);
2011-4-12
(#6617378@0)
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想省税$2000,税率按30%,capital gain收50%的税,那你的增殖要达到2000/0.3/0.5=13,333。就是说,这两年存了1万,现在变成2万3。如果省税1万,那就是说这两年存了1万,现在变成7万6. .是这样吧?
-coolmao(酷猫*Zensunni);
2011-4-12
(#6617412@0)
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考虑到大家背景不同和投资种类不同,直接用税率算就可以了
-cactus101(贤锡饭);
2011-4-12
(#6617751@0)
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TFSA中的captical gain仍然照收税不误。比如你买股票所得红利不上税,但你买卖股票的价差收益照样上税。
-antihardcorerighty2(哈哈哈);
2011-4-12
(#6617453@0)
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你这是严重误导。TFSA的Capital Gain部分也是免税的。“the investment income, including capital gains, earned in your TFSA is not taxed, even when withdrawn.“。拜托你先学习,再anti。
-lionel(Lionel);
2011-4-12
(#6617504@0)
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不是我不明白,是世界变化快。去年前来年我研究这个问题的时候,貌似有关TFSA的资料都没有“including caption gain”,不然我也不会被误导然后现在来误导你了,哈哈
-antihardcorerighty2(哈哈哈);
2011-4-12
(#6617709@0)
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数量级严重错误。每年额度5000,3年到头才15000本金,盈余怎么存都是几百的数量级(唐伪真另算),乘以税率,几十上百了不得了。TFSA就是牙缝里的食渣
-klum(glum);
2011-4-12
(#6617461@0)
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可以用这个钱投资吗?
-fatpeggy(坚持不谢);
2011-4-12
(#6617907@0)
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只要银行或金融公司有这种产品,什么投资都行啊
-klum(glum);
2011-4-12
(#6618104@0)
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看来两极分化很严重啊。。。2000 - 0 应该也有一些的。
-cactus101(贤锡饭);
2011-4-12
(#6617741@0)
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难道你没看出来,参与调查的都是在逗你玩?
-bdbs(不多不少);
2011-4-12
(#6617882@0)
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忽略某些心理阴暗人士提出的可能性,总结一下调查结果哈,如果你选的是。。。(1) > 10,000, 那么你要么是投资高手,要么是导弹鬼,要么是吹牛皮;
(2) < 10000 & > 2000, 那么你是一个比较保守的投资理财者;
(3) < 0, 不要担心,you are not alone!
虽然算法不精准,但是对投票者在光谱上的分布影响并不大。两极分化是意料之中的。这个政策的巧妙之处就是它实际替政府增税了,因为你无法CARRYFORWARD CAPITAL LOSSES! 因为理论上来讲,即便是投资高手长期投资的结果应该是近乎0 的。 明减暗增恰恰反应了保守党是如何愚弄算计不明真相的群众的.
证明完毕.
-cactus101(贤锡饭);
2011-4-13
{455}
(#6618820@0)
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"因为理论上来讲,即便是投资高手长期投资的结果应该是近乎0 的。" are you sure what you are talking about?
-whynot108(练修养的牛);
2011-4-13
(#6619047@0)
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TFSA won't help you be rich, but it is a good tool to encourage people to save and improve their personal finance. I think it is positive.
-whynot108(练修养的牛);
2011-4-13
(#6619060@0)
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it's ture to encourage people to save so that the banks can get more money to lend out, I don't know how it can improve personal finance ...
-cactus101(贤锡饭);
2011-4-13
(#6619633@0)
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俺承认,俺是那个放导弹的。那几个<0的,包括你自己,也是导弹的。怎么会小于0呢?
-bdbs(不多不少);
2011-4-13
(#6619177@0)
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capital losses arising from the TFSA account cannot be carried forward to future years to bring down your taxable income. so, if you ended up with a loss, they could not be used to reduce the taxes on your future capital gains.That would be the tax that you lost.
-cactus101(贤锡饭);
2011-4-13
{36}
(#6619627@0)
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我所知道的大部分存TSFA,也是各大银行做广告的,都是普通的saving account,单拿利息,不是投资股票什么的,怎么会loss呢?
-bdbs(不多不少);
2011-4-13
(#6619705@0)
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not according to my statistics ... don't tell me that the 6 voters on the lower end were all your missiles, lol
-cactus101(贤锡饭);
2011-4-14
(#6620326@0)
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因为你的选项给得太离谱,所以参与调查的当然都是放导弹的啦。你要是按$100递增还有得选。
-bdbs(不多不少);
2011-4-14
(#6620381@0)
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I agree with you on this, 按$100递增还有得选。
-iron(swim, bike & run);
2011-4-14
(#6620391@0)
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materiality ... the surveys trace voters' IP addresses, I am not interested in other people's confidential information
-cactus101(贤锡饭);
2011-4-14
(#6620449@0)
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how does $100 make a difference to you? if you didn't understand the options, that's fine.
-cactus101(贤锡饭);
2011-4-14
(#6620430@0)
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相对来讲,不懂规矩的还是少数。而被罚的人当中,大多数可以得到赦免,除非你不在乎那罚金懒得给CRA计较。
-bdbs(不多不少);
2011-4-14
(#6620463@0)
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@@
-cactus101(贤锡饭);
2011-4-14
(#6620493@0)
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看来你还是不在状况里。TFSA额度每年5000,仅3年时间,用15K$能省出2K以上的税,是不可能的任务,20年以后你再如彼分段差不多。
-klum(glum);
2011-4-14
(#6620469@0)
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if you invested 15,000 into the stock market, and earned a 50% return, if you tax rate is 40%, how much tax can you save?
-cactus101(贤锡饭);
2011-4-14
(#6620492@0)
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TFSA just started in Jan. 2009...Let's say you contributed $5000 to your TFSA in early 2009 and earned 10% return ($500) by Dec. 31 2009. Then you contributed another $5000 in early 2010 (totally $10500 in your TFSA) and got another 10% return by Dec. 31 2010. You had $11550 in your TFSA by the end of 2010.
It appears to me the following options would make more sense.
<0
0 - $500
$500 - $1000
$1000 - $1500
> $1500
By the way, IMHO, save first and then spend equals to improve personal finance.
-whynot108(练修养的牛);
2011-4-14
{481}
(#6620483@0)
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Right...it is about how much tax could be saved. The range should be in $100.
-whynot108(练修养的牛);
2011-4-14
(#6620501@0)
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两年你赚了11550-10000=1550,乘以税率40%,省税620。这是极乐观的10%的年增长。楼主楼上贴的stock 50%那是唐巴比的口吻,一般我不接茬的,生活中 in person 见面的理财,如果山呼50%,我会让他滚蛋。
-klum(glum);
2011-4-14
(#6620511@0)
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赤果果的JD啊~~
-cactus101(贤锡饭);
2011-4-14
(#6620523@0)
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看到没,放导弹的都出来啦。呵呵
-bdbs(不多不少);
2011-4-14
(#6620545@0)
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如果年增长8%,20年累计就是366%的回报。
-lionel(Lionel);
2011-4-14
(#6620551@0)
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Maybe it works for you, but I just don't personally believe a couple hundred dollars a year can improve anyone's personal finance.
-cactus101(贤锡饭);
2011-4-14
(#6620528@0)
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第一次A计划宣布中弹流产 @_@ ||
-cactus101(贤锡饭);
2011-4-14
(#6620538@0)