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旧 Feb 10th, 2007, 00:26     #1
真正粉丝
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默认 有关贷款买基金的问题

前几天一个做理财的朋友告诉我们一个贷款买基金的方法, 因为我们对基金从来没有接触过,所以心里没有底,特向大家请教一下。 具体的操作是向基金公司贷款(利息是p+0.75%), 每月从自己的账户上扣除利息,买基金的收益(即增值部分)可用于冲减贷款或者是在基金账户上继续滚动。 我的问题是:
1。投资贷款的利息能否全额抵税?
2。投资收益若是一直在基金账户中的话,是否不用交税?若是提出来的话是否只有50%的收益需要交税?
3。若是投资收益用于冲减贷款, 是否也不用交税?
4。这样操作安全吗?有朋友这样操作过吗?另外若是这样的操作可行,需要注意什么呢?

多谢大家了,祝愿大家春节快乐,天天生财!
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旧 Feb 11th, 2007, 00:09   只看该作者   #2
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默认

回答你的第四个问题:安全。(前提是要做中长期投资,另外不要选那些烂基金,让你的经纪人给你选几个相对风险小,收益基本有谱儿且能cover住你的利息的基金)

555555
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旧 Feb 11th, 2007, 00:27   只看该作者   #3
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默认

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作者: 真正粉丝 查看帖子
前几天一个做理财的朋友告诉我们一个贷款买基金的方法, 因为我们对基金从来没有接触过,所以心里没有底,�...
For RRSP, the interest of loan is not deductible.

Prime+1, 7% plus mutual fund load (paid to your dealer, 0-5%), what is expection from the mutual fund?

If you are lucky enough, yes, you may make money.
If you are not lucky enough, the mutual fund only raising 8% this year, you will lost money.

And which funds are in your portfolio?

Remember, FA always concern about their commission first, and then your profit.

If you are in high risk tolerance, you may play this game.

”钱少的人,不能投机,钱多的人,可以投机,一穷二白的人,必须投机。“
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旧 Feb 11th, 2007, 01:01   只看该作者   #4
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默认 多谢回复

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For RRSP, the interest of loan is not deductible.

Prime+1, 7% plus mutual fund load (paid to your dealer, 0-5%), what is expection from the mutual...

若不是rrsp的贷款利息就可以全额抵税吗?
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旧 Feb 11th, 2007, 01:27   只看该作者   #5
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默认

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”钱少的人,不能投机,钱多的人,可以投机,一穷二白的人,必须投机。“...
这句话看起来和打poker一样.
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旧 Feb 12th, 2007, 08:42   只看该作者   #6
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若不是rrsp的贷款利息就可以全额抵税吗?
好象没听说过可以抵税. 否则大家都借钱投资啦.
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旧 Feb 12th, 2007, 14:54   只看该作者   #7
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若不是rrsp的贷款利息就可以全额抵税吗?
Yes.
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旧 Feb 12th, 2007, 15:03   只看该作者   #8
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好象没听说过可以抵税. 否则大家都借钱投资啦.
For all registed investment (RSP), the incurred interest is not deductible.

For other investment, yes. But how much can you get from your personal line? How can you get large amount from bank?

And can you tolerate the high risk trades? If you don't mind high interest of loan and ensure the annual return over 10%, then go ahead.
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旧 Feb 13th, 2007, 08:34   只看该作者   #9
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For all registed investment (RSP), the incurred interest is not deductible.

For other investment, yes. But how much can you get from your personal ...
既然借钱投资非RSP的利息可以抵税, 那么相当于贷款的利息就更低了. 你能否给个具体的例子算一下, 到底利息会低到什么程度? 投资回报要多高才划算?
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旧 Feb 13th, 2007, 19:00   只看该作者   #10
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默认

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作者: deeplies 查看帖子
既然借钱投资非RSP的利息可以抵税, 那么相当于贷款的利息就更低了. 你能否给个具体的例子算一下, 到底利息会低...
The lowest interest rate for me is 6 months credit card transfer: 3.99%
Personal line of loan: prime plus 1% = 7% current

Investment account maintenance fee depends: if investment higher than 25,000, it is free, if lower, 25 to 100 annual charge
Mutual fund: commission 0% to 5% front load,
deferred load: starting with 5-7% reduce yearly
early redemption fee: normally 2% if you can't hold over 90 days.

It is hard to calculate because it depends on frequency of turnover and fund itself performance and MER.
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旧 Feb 13th, 2007, 23:12   只看该作者   #11
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默认 谢谢你提供的信息!

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For all registed investment (RSP), the incurred interest is not deductible.

For other investment, yes. But how much can you get from your personal ...
已经上贼船了,就先试一试吧。
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