BOC停止加息了，是买GIC好，还是MUTUAL FUNDS？

vincenthate

反正一个中心思想，尽快把国内所有的钱弄到国外来，不管亏不亏，到最后一定不吃亏。

dokidoki

charlescohen119 发表于 2023-9-11 00:15
同意你的ALL in GIC FOR TFSA，但是科技股的风险还是很大，APPLE，NAVIDA这些股票已经涨到一个离谱的价位 ...

If you are invested for long-term like 10+ years then these volatilty should level themselves out with historical gains of about 7% per year for s&p500 index fund. However, if you need it within a short period like 1 to 3 years, having something guaranteed like GIC would probably be the safer choice.

dashfortrash

RRSP is a shit investment vehicle later on in life, parents have RRSP and taking them out reduces their other income, and you pay RRSP like employment income, so technically all the "TAX FREE" capital gains and dividends you make in RRSP will later on be fully taxed as employment income. It's a trap IMHO. I have 200k in RRSP that I'm trying to get out but have to wait for a future year where I have very low/no income, TFSA is waaay better, I stopped buying RRSP long a while back.

model3

RRSP 如果对于薪资高的时候提供了一个降税的办法。例如我前两年内
因为可以在家上班，所以接了两个remote full time. 那时候税超级高的。 要不是用了RRSP, 我当初每年都还要再贡献三万以上的所得税。其实对于任何所得税已经达到最高bracket的人来说，买RRSP都是不错的选择。与其把辛苦工作的钱交51%给政府搞福利，还不如买RRSP给自己用。

roadkiller

觉得短期还是GIC保险。。。股市不妙

gary88388

GIC is a good choice. No risk and can get 6%

揽峰探穴

股市似乎变得很强，特别是高科技大公司，都在突破新高

star2020

charlescohen119 发表于 2023-9-11 00:15
同意你的ALL in GIC FOR TFSA，但是科技股的风险还是很大，APPLE，NAVIDA这些股票已经涨到一个离谱的价位 ...

我用TFSA炒股5年了，希望能稳定15%每年。今年是赚了37%，自己没操作好，其实应该更高的