买GIC 好还是买基金好？ 看一看两者在纳税上的区别

[士嘉堡乡政府]

作者: dreamchaser999

If you do decide to take out the $5,000, it means you will need to sell 476 units to get $5,000. ($5,000 divided by $10.50)
$5000 = 476 units
Among 476 units, your capital gain portion is actually only $238 (476 x $0.5)
Because capital gain is taxed at 50%, this means that only half of your capital gain, which is $119, is taxable
The tax you will have to pay is $119 x 40% = $47.6. Let’s round it up to $48.
Your net gain is $5,000 - $48 = $4952

假设余下的 10,000-476 =9524 units 保持 $10.50不变，比如持续了一年，那末一年后，如果你决定卖掉这 9524 units，那末这时候是怎末算的？
是不是 9524 x $0.5 = $4677.7，这个应该算作你的 capital gain？还是 9524 x $10.5 = $10002 算作你的投资本金？如果 $4677.7 算作你的 capital gain，你一样要缴 40% 的税，和 GIC 没有区别。
如果在你卖掉余下的 9524 units 时，只按本金计算，那末这里就有一点疑惑，为什末当初在卖掉 476 units 时， 要按 476 x $0.5 来计算 capital gain，而在后来卖掉余下的 9524 units，就不用9524 x $0.5 = $4677.7 来计算 capital gain 呢？
外行的疑点问题，谢谢解答。

[士嘉堡乡政府]

谢谢楼上给位的回答，见识不少