Aug 29th, 2006, 23:48
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只看该作者 #22 | |
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Senior Member
  
注册日期: Dec 2005
帖子: 5,172
积分:118
精华:26
声望: 7278111
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引用:
风险当然还是MUTUAL FUND大, 因为GIC是可知的, MF是相对不可知的. |
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整点高雅的: 拉车日当舞, 汗滴车下土, 谁知汽油费, 又涨零毛五 帖子发帖总数: 575million (每天有 45300 个帖子) |
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Aug 30th, 2006, 10:06
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只看该作者 #24 | |
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Member
 
注册日期: Mar 2005
帖子: 91
声望: 164
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don't worry
引用:
有些好的FUNDS必须通过ADVISOR 买，而且一般人买的比较多（回报高啊）。COMMISSIONS是肯定的。这主要是社会分工不同罢了。有很多行业就是争的这个钱，也没有什么啊？ |
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Oct 4th, 2006, 01:13
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只看该作者 #26 | |
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The money girl
注册日期: Aug 2006
住址: Calgary
帖子: 108
声望: 0
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引用:
Money Market Fund, 象活期存款一样，不会丢本，可是回报也很低。不是所有基金 都有风险。 第二，我们给你推荐投资方式时，投资期限只是一个需要考虑的因素，其它因素也 要考虑，比如你对风险的承受能力。如果一个人帐面上丢五毛钱都会睡不着觉，那 么不管长线短线，我都会建议他去买GIC。如果有人对风险的承受力属于中等，并且 有一到三年时间，如果我假设有1/3的钱在一年之内要用，1/3的钱在两年之内要用， 1/3的钱可以等三年，那么我大概会建议他将1/3的钱放入GIC里，1/3的钱放在很安 全的一种或数种基金里，另外1/3的钱放在较为安全的一种或数种基金里。 我们的顾客买基金时，都得回答一份详细的问卷，从而使我们对他们的投资需求和 性格特色有进一步的了解。在这个基础上，我们才会作出推荐。而整个过程都是一 个相互了解，共同磋商，最后由客户点头批准的过程。而且，一旦决定，也不是一 成不变。我们会对基金的表现进行观测。如果客户的需求有了变化，投资的方式也 需要有所调整。 再则，现在在基金行业里，大公司都有严格的归定，它们的雇员不可以将风险高的 基金卖给不适合的投资者。有人层层把关。不合适的基金跟本通不过。但是如果你 自己到网上去买，就没有人把这个关了。 打一个比方，不会游泳的人觉得游泳很可怕，特别是在听说了有人淹死的故事之后。 我想个别淹死的人一定是有特殊原因，比如不会游泳，不小心掉到水里，现场又没 人搭救。如果你到游泳池里的浅水区，而且有教练在身边守护，你觉得被淹死的可 能性有多大？ Sherry |
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Sherry Wong, B. Comm, M. Sc. Investors Group Financial Services Inc. Calgary, Alberta Phone (403) 253-4840 ext. 2339 |
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Oct 4th, 2006, 01:35
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只看该作者 #27 | |
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The money girl
注册日期: Aug 2006
住址: Calgary
帖子: 108
声望: 0
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引用:
Assumptions: Return = 5% Tax rate = 40% Capital = $100,000 Interest Suppose you use $100,000 to buy GIC at 5% A year later, you made $5,000 interest Doesn't matter if you take out the money or not (For example, if you bought a 5 years GIC, after one year, you can’t take it out), you still get a tax slip from the bank to report your interest income of $5,000 Your tax payment is $5,000x 40% = $2000 Your net gain = $3000 Capital Gain Suppose you use $100,000 to buy mutual fund unit at $10/unit You get 10,000 units A year later, the unit price of the mutual fund that you bought increased from $10 per unit to $10.50 per unit. Now you made $5,000 (10,000 x $0.50) If you decide not to take out the money, you don’t have to pay tax; unless the fund company made a capital gain distribution (means they pass the gain to the investors). If you do decide to take out the entire 105,000, then you need to pay the tax on $2500 (half of the $5,000 gain). $2,500 x 40% = $1,000. It is only half of the tax that you have paid on the interest income ($2,000) |
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Oct 5th, 2006, 17:04
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只看该作者 #32 | |
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The money girl
注册日期: Aug 2006
住址: Calgary
帖子: 108
声望: 0
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引用:
Professional 2002 service pack 2 Manufactured and supported by Dell Notebook D610, Intel (R) Pentium (R) M Puchased in the summer of 2005 from Dell. What is yours? S. |
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Oct 5th, 2006, 19:12
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只看该作者 #34 | |
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The money girl
注册日期: Aug 2006
住址: Calgary
帖子: 108
声望: 0
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引用:
Starting with the basics, taxpayers must include in their income for a taxation year the excess of taxable capital gains realized in the year over allowable capital losses realized in the year. "Taxable" capital gains and "allowable" capital losses are 50% of the actual gain or loss realized from the disposition or distribution. If allowable capital losses exceed taxable capital gains in a year, the excess can be carried back three years or forward indefinitely to offset past or future taxable capital gains. Special rules apply for allowable capital losses triggered in the year of death. The following issues should be considered when contemplating the disposition of any form of capital investment. Trigger the loss by year-end, instead of January 1st of next year If a gain is realized in 2004 and you wish to offset the gain by triggering unrealized losses on other property, the "loss" property must be disposed of before the end of 2004 in order for the loss to be claimed on the 2004 tax return. If the loss is realized by a disposition in 2005, it cannot be claimed until the return for the 2005 taxation year is filed in the year 2006. The result is that you would be required to pay the tax on the gain realized in 2004 before April 30, 2005, and would have to wait until the spring of 2006 to be entitled to carry back the loss to 2004 and receive a refund of the tax originally paid on the gain. Remember the holidays when requesting a switch or sale. Don't wait until December 31st to realize a tax loss, it is better to request the trade earlier rather than later, so that the trade will be properly processed and the loss realized in the year. Sherry |
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Oct 7th, 2006, 15:56
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只看该作者 #38 | |
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Senior Member
注册日期: Jul 2004
帖子: 697
声望: 66038
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引用:
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在广阔天地里战天斗地
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