捱貴稅？專家詳解加拿大慳稅攻略，MPF如何袋袋平安？自僱人士陷阱、免稅帳戶RRSP TFSA分別，移民必須有的財務規劃【我要做訪問 |

[@Money-Tab]

終於講到加拿大稅制，呢個稅國原來都有唔少慳稅方法，每個計劃都需要從長計議，你又開始計劃未？

[@maggiecheung5109]

今次呢個嘉賓好正，簡而精講出唔同種類嘅重點，希望有機會可以再請佢講下其他保險及投資嘅題材！希望了解多啲。

[@maymay-oi1wr]

這集資料好有用長知識、嘉賓好專業解說複雜的税制都容易明白、生動！就算不是移民都好用興趣聽晒👍

[@ansonjohn1]

1. 唔一定要住超過183日才是稅務居民，只要你和加拿大有關係就係稅務居民。例如，有配偶、子女在加拿大，有車牌、省醫療卡、住址。 2. 未係PR都可以買人壽保險。 3. 加拿大嘅保險並不多樣化，有啲產品例如危疾保險係無香港嗰啲禁容易claim添。同樣，留番醫療保險嘅好處就係，萬一有什事，你可以選擇去美國或者返香港見私家醫生做2nd opinion 。還有，你已經唔可以再以當年嘅年紀和身體狀況來買同一樣嘅保險。 保險賠償係加拿大係唔洗報稅，留番嚟都無壞喀。

[@maggiewong4233]

超正講解，真係好專業CFP，CPA都未必識呢d planning. 萬税國好複雜税制，所以真係要planning.

[@shanryan5128]

勁人，勁Talk，冇得輸，希望再次聽到你嘅分享。❤❤

[@stephenlau9682]

Joanne解釋得好詳細👍🏻去咗咁多次銀行從來唔知可以咁做😩 幾時有下一集再share 加拿大税，想了解更多🙏🙏🙏

[@BeckyLiu-p1d]

好詳細好有用👍🏼👍🏼👍🏼 可以做英國慳稅攻略嗎？

[@liryan5254]

多謝師傅搞咗一個咁好嘅presentation

[@Money-Tab]

多謝支持 😊

[@kennym3833]

Joanne解釋得好清晰詳細, 不過真係好複雜😵‍💫

[@ChrisL-eh]

She sounds like an experienced agent❤

[@Nailaholicca]

Thank you for this. Very useful info. Joanne講得好清楚易明! 可以多D請佢講多D就100分!!

[@Jlamml]

Thanks Joanne

[@teresamak5475]

算是全面講解了加拿大複雜的稅制及扣稅的方法。😊

[@margaretkan]

記得如果今年把TFSA拿出來，唔好今年再放返去，要到下一年先放喔。如果唔係就可能比政府罰款

[@NancyW-do3ku]

可唔可以開一集講美國慳稅攻略？可唔可以講多啲關於海外資產帶去美國嘅稅務問題包括遺產？近幾年好多人移民，應該好多人可以用到，謝謝🙏

[@kennisfung6865]

Thanks for this info! 感激如果可以有一集關於美國慳稅攻略

[@stephenyip5827]

可唔可以請個專業人士講香港點setup trust？🙏🏻

[@Money-Tab]

收到你嘅意見 😊

[@CarolCheung-ln7to]

好有用， thanks for the information

[@adelineli7913]

請問如何聯絡Joanna？已退休幾年，沒有任何税務計劃，現在才開始會否太遲，無作用了。

[@jianyuxu3436]

自雇人化应该可以自己买失业保险，但好像要买够一年以上先得

[@SmallPotato-sp3ln]

Joanne 點收費？應該唔會賣野 as other CFP？我已有個好好的會計師, CPA, 我亦有個好的CFA幫我睇 investment portfolio. 但我想搵 second opinion just to review my portfolio. 想知通常 CFP ( 唔會叫我賣野果 D) 點收費？by hours? Or by .....?

[@Z1TM]

I would to know too!

[@margaretkan]

I want to know too

[@Ellen-x4z]

I am looking for a good CPA for my tax for long time, can you send me the info. Thanks.

[@jokwok6819]

Can you send me the info too, thanks

[@Ellen-x4z]

@@jokwok6819 you mean my contact info

[@dwoo1860]

你哋知唔知道crypto 界嘅猛人叫Michael佢有19萬粒Bitcoin？如果佢住喺加拿大應該點樣報稅？有乜嘢方法可以避稅？

[@billycheng5861]

好多資訊，但係有冇可以講下英國稅制

[@EvaZp]

Crypto賺咗錢要俾一半政府，我仲要搵方法出金避開佢⋯⋯🥺

[@eric5224]

多謝嘉賓主持，講得好好！RRSP我已經買了40年,累積了一筆不錯的退休儲蓄， 但沒有做好稅務安排發，覺原來中伏了！因為現在還有工作，所以不想拿取RRSP, 免得收入增加，要交更多的稅😢。原來歷年辛苦儲蓄的錢，最終原要給政府瓜分！ 今天涉及的稅務題目很多，很豐富，不知德兄可否邀請嘉賓再詳細軸點解釋！

[@LeonardYuen-l5m]

You can convert all or some of your RRSP into RRIF when you are 60 yr old. You can withdraw money from your RRIF with the first $2000 essentially fed taxed free. In addition, since it's from your RRIF instead of RRSP, you can split up to 50% of your withdrawl with you spouse if he/she is in a lower tax bracket, then you would pay less tax.

[@一舊雲]

@@LeonardYuen-l5m I think 65 至可以 split 喎？Joanne 唔該答答🙏 over 65 RRIF income can be split for tax purposes between spouses or common-law partners based on their ages. If you're over 65 and both yourself and your spouse are Canadian residents, you're eligible to split any income you withdraw from your RRIF. Pension income other than RRIFs is also eligible.

[@Jlamml]

@@一舊雲 65歲之前嘅Income Splitting 嘅種類係比較少啲. For example : a life annuity payment from a pension plan . 簡單來說65歲以後嘅income Splitting 嘅種類會係比較多啲. 最常用是payment from RRIF,LIF, RLIF, LRIF or PRIF . 很多人以為withdraw from RRSP 也可以，其實是not eligible.你最好consult your tax advisor 當你想做income splitting. Hope this help . Joanne

[@CC-062]

哇這期乾貨

[@liryan5254]

Joanne is talking about liability in regards to property insurance coverage. It is not possible all properties r insured at 1-2 m, ---- clarified from someone working in the general insurace industry in Canada for 10 Y. 2 kinds of insurance in Canada-- general & life

[@haiting1594]

做得加拿人就預咗交多啲稅啦

[@nimleong7915]

Can you talk more about personal trust thanks

[@Jlamml]

Personal trust has different kinds and it all depends on your situation. This kind of topics are hard to explain on KZbin. Joanne

[@jacquelineamom9517]

謝謝分享。嘉賓Joanne思路很清析，希望她能有機會再多說回流退休人士的資產申報要留意的地方！

[@jennywang9910]

感谢师傅今集的资讯❤

[@hoyinli7462]

好複雜...

[@liryan5254]

你喺呢度住兩年交過稅你就慢慢明白

[@CrystalLiu1]

super useful, love to hear this kinda videos

[@Nightmoon421]

聽完之後都係有好多問題都唔係好清楚喲稅制運作 咁其實係咪一定要搵保險公司或者信託公司去處理呢？

[@Money-Tab]

可以先資詢財務策劃顧問的意見再作決定

[@wkwsfu]

想請問如果回流咗返加拿大. 親人喺香港留下遺產, 繼承時是否需要打稅？ 如要的話, 稅率大約是多少%?

[@Jlamml]

如果係遺產，是不用打稅的。但如果你收到的遺產沒有立即轉入加拿大，而在香港做投資，如果海外資產over $100,000 CAD, 係要申報的，資產投資的增值稅才需要打稅！Joanne

[@rogerreven]

請問可以聯絡到Joanne 嗎？ thanks

[@lky4643]

description has her company name.

[@sabinalau4778]

不得唸，稅律年年改。月光族就不用計幾多%,未雨綢繆是老祖宗的智慧，此地用不著！

[@shermantse7322]

如果我喺加拿大非註冊投資戶口要賣增長型股票或ETF轉去收股息型嘅股票或ETF 會有好多增值稅，點啤少啲稅？唸過開margin 抵消稅，但喺啲margin 成7%利息可能得不償失

[@liryan5254]

用 TFSA, RSP 户口

[@shermantse7322]

這些我都用了就是它們的額度太少。RSP 我因為有打工的Pension Adjustment 所以每年額度只有2000左右。

[@shermantse7322]

TFSA 也用滿了額

[@LPYHK]

11:07 我地都係叫做中國人啦….🙂明晒

[@sunsun6382]

勁複雜😅

[@一舊雲]

其實 E 度有冇人用宣誓紙在來加拿大之前巳經可以轉份 MPF to 銀行 as Joanne 咁講？

[@Jlamml]

如果你已經是退休和以後也不回香港，你要在移居以前提取所有MPF fund, 轉為現金，便可以避免打收入稅！

[@一舊雲]

@@Jlamml 如果末有 PR, 如果今年四十歲都可以在離港前，宣誓自己退休？以後不回香港都要宣誓？以後返香港旅行都唔得？(因為宣左誓？)

[@Jlamml]

@@一舊雲宣誓唔返香港工作！你當然可以返香港旅遊。

[@一舊雲]

@@Jlamml kzbin.info/www/bejne/aITIiqFsjpZ7rM0si=nrUz9bSVJpjPYZSg

[@wachahi7664]

我覺得係咪錯㗎？ 我公司同我供一半我自己供一半，其後賺嗰啲就話俾一半啫，自己錢都要俾佢，有冇諗清楚㗎？

[@alexwong7420]

作為一個係加拿大既人可以話你知 係真既 因為佢地冇mpf呢類一半供款既野 而現行制度就係屬於退休金就要打 傳說中有話會傾下會唔會改，但應該都係唔會啦

[@Jlamml]

因為加拿大的退休計劃，也是自己的供款，拿出來是當收入打稅的！

[@wachahi7664]

MPF 我自己供一半㗎喎，冇理由將自己儲嘅錢比一半又俾加拿大政府掛

[@S.Cheung]

加拿大有冇個人免稅額？

[@Jlamml]

有的。Joanne

[@september3590]

免税额少得可怜

[@zhangbenson1446]

太复杂了😂

[@NewWorldHacker]

any australia one?

[@wongkaho623]

精彩

[@pat13487]

❤❤❤

[@njky]

就算唔生活係加拿大都長智識，btw 真係難同煩，唔怪之得要搵專業人仕啦

[@funchungchan7455]

👍👍👍👍👍🙏🙏🙏🙏🙏

[@paulchan3358]

🇨🇦👍👍👍🙏🙏🙏🙏🤗🤗🤗💐💐💐

[@StellaStellaVermillion]

Like

[@JGor_forever]

CTA都唔請就唔好講稅務啦