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cuaao.com • View topic - 「稅務安排與精明投資」摘要

「稅務安排與精明投資」摘要

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「稅務安排與精明投資」摘要

Postby ambrosema on Mon Apr 09, 2012 8:07 pm

[b] 連萬里紀錄[/b]

本會三月十日於世紀皇宮酒樓舉行之交流茶會,繼續創造新紀錄:

1. 報名參加聚會人數高逹40人;
2. 共有三名校友第二代出席;
3. 崇基及聯合書院各有一位校友與會。

聚會講者馬健華校友為特許會計師、註冊財務策劃師,曾任加拿大稅局和著名會計師樓核數師,對處理稅務與投資事宜瞭若指掌,經驗豐富。
馬校友認為加拿大最高入息稅稅額可逹百分之四十六,故而稅務安排、精明投資、及開源節流,非常重要。
稅務安排與精明投資最終目的在於減少須繳稅款及增加收入,途徑可有以下各種:

1. 利息收入須全部納稅,但資本增值(capital gain)只須一半交稅,所以後者的稅務效率(tax efficiency)較高,如果循這些途徑作精明投資,可以增加收入;
2. 參加註冊退休儲蓄計劃(RRSP),減低須繳入息稅,並且延後繳交稅款;
3. 開立免稅儲蓄戶口(Tax Free Savings Account),每年供款5000圓,投資所得收益可免繳稅款;
4. 現時利息低至1%,貸款予收入較低配偶,然後將貸款投資於回報較高(3%-4%)的投資產品,如三級政府債券,增加收入;
5. 投資出租物業,可利用折舊率(capital cost allowance)來減低物業成本,而達到延稅作用;
6. 在目前低息環境下,亦可考慮借錢投資作Leverage,通過息差增加收入。

已屆或者行將退休人士,則可以考慮利用多種理財策略,比如Capital Return Funds、Corporate Class Investment Funds、RRIFs及Guaranteed Withdrawal Plans等,減少稅務負擔,穩定退休後收入,安享黃金歲月!

預防下雨天的保險產品也可以考慮投資,比如危疾保險(Critical Illness Insurance)及長期護理保險(Long Term Care Insurance)等;平安書(will)亦最好早備,免除日後稅務負擔(probate)和後人間的糾紛。

演講後回答與會者問題的內容亦異常充實,比如美歐等海外投資並沒有稅務優惠,一律當作利息收入計算、優先股是不好的投資項目、65歲後可申請高齡保障(Old Age Security)和低收入津貼(Guaranteed Income Supplement)等,與會者均稱獲益良多。

[i](讀者如對上述的稅務安排或投資項目感興趣,可直接與馬健華校友聯絡。[/i])
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