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大家小心银行的RRSP的提取/转移费

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楼主
发表于 2010-11-8 17:02 | 只看该作者 回帖奖励 |倒序浏览 |阅读模式
很多年以前, 偶在TD开了一个RRSP帐户, 本来想每个月存一点钱的, 后来也没去管, 就放了一百多块钱在那里, 每年能有几毛几分钱的利息. 最近想把这点钱合并到另外一个银行的RRSP帐户里, 就填了一个REQUEST. 等收到STATEMENT一看, 帐上的100多块只剩几十块了, 被扣了50$+TX的费用! 去TD一查, 每次TRANSFER或WITHDRAWAL, 无论金额多少, 都要收这个费用, 似乎现在连HBP都要收(我在若干年前在TD用过HBP, 当时没有收)

Transfer/Withdrawal Fee:
For Plans open 180 days or less..............................................................$100.00 per
transfer/withdrawal
For Plans open more than 180 days..........................................................$50.00 per
transfer/withdrawal
Transfer/Withdrawal Fee does not apply to transfers between investment options

within the Plan or to another TD Bank Financial Group Registered Plan.

好象不是每个银行都有这个FEE. RBC我查到有, 其他的还没查到. 我去年在别的银行也转过RRSP, 当时没有被收什么费啊. 如果每次都要50块, 真还得考虑一下. 我LG在TD买的RRSP 一个MUTUAL FUND, 5年多了帐上还亏了几百呢, 这个投资也太不划算了.

所以以后大家买RRSP的时候得问清楚, 不然莫名其妙地又被银行F了一把.  :mad:
2#
发表于 2010-11-9 15:55 | 只看该作者

大家小心银行的TFSA的提取/转移费

HSBC charged $50 for transferring TFSA to another financial institution.  Ask about [color="Red"]FEE before u act!!
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3#
 楼主| 发表于 2010-11-9 23:08 | 只看该作者
那WITHDRAWAL有没有FEE呢? TFSA一般银行还都没收什么FEE呢.
Post by montrealpost;2728774
HSBC charged $50 for transferring TFSA to another financial institution. Ask about FEE before u act!!
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4#
发表于 2010-11-14 16:44 | 只看该作者
HSBC TFSA帐户 [color="Red"]PARTIAL withdrawal 没有费用。几个月前,HSBC TFSA帐户转到 其他银行/金融机构 收$50。3天前,我打电话问,HSBC 他们说:跟你的分行经理谈(费用)。
Post by 呜呜;2729052
那WITHDRAWAL有没有FEE呢? TFSA一般银行还都没收什么FEE呢.
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5#
发表于 2010-11-14 16:50 | 只看该作者

Changes to TFSA

Read something about regulation change to TFSA in Oct 2010 :rolleyes:
"~not all withdrawal from TFSA can be put back in the following year. " :confused:

not all :confused: what can and what cannot??
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6#
 楼主| 发表于 2010-11-15 10:35 | 只看该作者
具体解释: 但是也看不太明白, 可能一般情况是没有问题的

Under proposed changes announced on October 16, 2009, certain withdrawals made in the previous year may not be added back in the following year, after that date. The exclusion in the first bullet above also applies (after that date) to:

  • withdrawals of amounts included in the definition of "advantage",
  • amounts upon which income tax was required to be paid by the TFSA trust; and
  • any other income related to those amounts.
<!-- InstanceEndEditable -->
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