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@Saskatoon

第一次玩这个 - just curious

cactus101(贤锡饭)
(#6617101@0)
Last Updated: 2011-4-12
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Replies, comments and Discussions:

  • 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)
    • 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)
      • a rough estimate is fine -cactus101(贤锡饭); 2011-4-12 (#6617309@0)
    • 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)
      • Let's look at up-to-date data only -cactus101(贤锡饭); 2011-4-12 (#6617344@0)
      • 这得是投资的好手 -cactus101(贤锡饭); 2011-4-12 (#6617378@0)
        • 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)
          • 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)
    • 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)
      • 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Gain部分也是免税的。“the investment income, including capital gains, earned in your TFSA is not taxed, even when withdrawn.“。拜托你先学习，再anti。 -lionel(Lionel); 2011-4-12 (#6617504@0)
        • 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)
    • 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)
      • 可以用这个钱投资吗？ -fatpeggy(坚持不谢); 2011-4-12 (#6617907@0)
        • 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)
    • 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)
      • 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)
    • 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。。。 -cactus101(贤锡饭); 2011-4-13 {455} (#6618820@0)
      (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.
      • "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)
      • 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)
        • 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)
      • 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)
        • 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. -cactus101(贤锡饭); 2011-4-13 {36} (#6619627@0)
          That would be the tax that you lost.
          • 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)
            • 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)
              • 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)
                • I agree with you on this, 按$100递增还有得选。 -iron(swim, bike & run); 2011-4-14 (#6620391@0)
                  • 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)
                • how does $100 make a difference to you? if you didn't understand the options, that's fine. -cactus101(贤锡饭); 2011-4-14 (#6620430@0)
                  • 相对来讲，不懂规矩的还是少数。而被罚的人当中，大多数可以得到赦免，除非你不在乎那罚金懒得给CRA计较。 -bdbs(不多不少); 2011-4-14 (#6620463@0)
                    • @@ -cactus101(贤锡饭); 2011-4-14 (#6620493@0)
                  • 看来你还是不在状况里。TFSA额度每年5000，仅3年时间，用15K$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)
                    • 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)
                  • TFSA just started in Jan. 2009... -whynot108(练修养的牛); 2011-4-14 {481} (#6620483@0)
                    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.
                    • 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)
                    • 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)
                      • 赤果果的JD啊~~ -cactus101(贤锡饭); 2011-4-14 (#6620523@0)
                        • 看到没，放导弹的都出来啦。呵呵 -bdbs(不多不少); 2011-4-14 (#6620545@0)
                      • 如果年增长8%，20年累计就是366%的回报。 -lionel(Lionel); 2011-4-14 (#6620551@0)
                    • 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)
    • 第一次A计划宣布中弹流产 @_@ || -cactus101(贤锡饭); 2011-4-14 (#6620538@0)

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