zhouhui

各位高手，想请教，我买了股票和基金，但是放在帐户里没有卖掉，怎么交captital gain的税？我打电话去问了税务局，他们说到卖掉的一天才交税。那么我10年20年不卖掉，到时候可能就要交最高档次的税了，请教个位高手知不知道怎么算啊:confused: :confused: :confused:

多谢多谢

红星闪闪

先回答你的问题，

captial gain/loss can be only triggered by a sell, redeemption, cancellation, etc. if you didn't make a sell, you dont' have to report your "pregnant captial gain"

stock,
keep records of the date of acquistion, # of shares, name of shares, and if there's any election you 've made before (very important).

if you make a sell. your tax payable on captial gain/loss= (proceed-average cost basis)*50%*your margin rate

mutual funds,

keep records of date of acquisition, # of units

and any reinvestment details, T3 break-down, (dividend, interest, return of capital, capital gain, foreign income, etc)

capital gain/loss calculation is the same from above.

you need to fill out Sch.3 on your personal tax return if you make any disposition during the year.

明白了么？

zhouhui

红星老兄，看懂了看懂了，碰到高手了，多谢多谢

想再问一下，有些mutual fond 我可能会放很久，如果每年缴税那么我交30％几的税，如果我20年后一次卖掉，因为钱多可能要交50％多的税。有没有什么办法分散到每年交？我可以每年卖掉一次再买回来，不过应该有更简单的办法。。。希望我说清楚了   

再次谢谢，希望不吝赐教

红星闪闪

of course,

you should always realize your capital gain when you at lower margin rate, specially when your pragnant capitla gian has been accumulated for couple of years, it's very advantage to your harvest your gain and easy to determine which one is the best to do so.

by doing so, you realize your gain year by year therefore, allocate it to a lower braket rate, instead dump a huge gain in one period. you keep more money in your pocket.

2 things you should be careful, you can not creat a supperficial loss, by selling your capital on a loss position and buy back the same one within 30 days. CRA will disallow the capital loss. 2nd, peronal tax is on a cash basis and within a calender year end.


BTW, there 's no other easier way.

zhouhui

谢谢红星，真是 高手+热心

红星闪闪

that's tax planning, i ain't tell no body for free.

zhouhui

红星老兄，请把你的收费告诉我，我不住在蒙特利尔，所以没办法让你帮我填写表格。如果我觉得合适就会把支票先寄给你（或者通过paypal,如果你有帐户的话)，然后问你几个问题帮我参谋参谋，具体的表格我自己填写好了

如果不想在这里回帖，请发到我的信箱 zhouhui74@hotmail.com

flocon

I really want to have some knowledge of investment. 红星, do you know where I can take some basic courses? I don't want to be an agent, just want to learn it for my family. Thanks a lot.

红星闪闪

forward your questions to zest_2002@hotmail.com

liu2004

请问:为什么未到期的银行利息算收入?

去年,我的银行美金利息收入是70美圆,但受到的T4和RL3报税单是244加币,利率是1.13.我问银行,银行说是因为加上一张我未到期的美金利息,2006年我未受到任何后一张美金存单的利息,请问:是否未到期的银行利息也算收入?谢谢!