Apr 11th, 2006, 14:36 | #1 |
香格里拉
注册日期: Jan 2006
帖子: 2,185
精华:1
|
投资理财 (新手篇)
从来觉得没有什么钱要做什么投资理财的,走到哪里,化到哪里,P都没剩。恍然间已经半截入黄土了,想想是不是该为下半辈子做点打算了。如果你跟我差不多,就在这里一起共勉吧。 银行里有点钱,怎么办?利息实在太低,总得干点什么吧。现在唯一知道的就是GIC,所以昨天先去银行,把一半钱先买了GIC,其它再研究。现在的利息还不错:今天在TD的美金3月GIC拿到4% 接下来就请他们帮我找个Finance Advisor,看看Mutual Fund,股票什么的。 |
|
Apr 11th, 2006, 14:43 | 只看该作者 #2 |
香格里拉
注册日期: Jan 2006
帖子: 2,185
精华:1
声望: 354488
|
该省的就要省
以前去租车,居然闭着眼睛说,把该买的都买上,省得操心。俺都不知道自己手上还有这卡,TNND。 强档组合!td elite金卡+select service+us borderless plan TD Gold Elite Visa Card 此帖于 Apr 12th, 2006 14:30 被 losthorizon 编辑。 |
|
Apr 11th, 2006, 20:48 | 只看该作者 #6 | |
香格里拉
注册日期: Jan 2006
帖子: 2,185
精华:1
声望: 354488
|
引用:
1. 你说得有一定道理。2. 找FA建议找以咨询收费为生的而不是以卖"产品"为生的,但前者很贵。3. 对于小投资者,我一直以为关键的不是"赢",而是首先保证"不输",但如果你没有一定的知识和经验贸然投资"输"是必然的。 -pigking(铁头猪王); 4.8 14:06 (#2893006@0)Reply 这么说不化时间,或者搞不懂的都不用投资了?我不可能化很多时间,也不可能搞懂的,因为我根本没兴趣。咋办? 此帖于 Apr 12th, 2006 14:16 被 losthorizon 编辑。 |
|
|
Apr 12th, 2006, 14:06 | 只看该作者 #7 |
香格里拉
注册日期: Jan 2006
帖子: 2,185
精华:1
声望: 354488
|
Some books I recommend to you: from Rolia
Some books I recommend to you: ------------------------------------------------------------------ by ceei (会挣钱的猪) at 2006.4.7 23:28 Please be sured you have already read the book 'the naked investor' BEFORE talking to any financial advisor!!! -ceei(会挣钱的猪); 4.7 07:54 (#2890229@0)Reply http://www.chapters.indigo.ca/books/...Naked+Investor <本文发表于: 相约加拿大:枫下论坛 www.rolia.net/forum > Financial Freedom without Sacrifice: How to Cut Expenses, Invest and Increase Security by Talbot tevens (ISBN: 0969687303, $19.99 - contact author at 1-866-231-2721). Comment: It is the simplest and easiest book to read about financial planning that I have found. The Wealthy Barber by David Chilton (ISBN: 0968394736, $16.95). Comment: It is excellent for absolute eginning savers. The Pension Puzzle: Your Complete Guide to Government Benefits, RRSPs and Employer Plans by Bruce Cohen and Brian Fitzgerald (ISBN: 0470834307, $18.89). [ 相约加拿大:枫下论坛 www.rolia.net/forum ] Comment: Investing for retirement. Winning the Tax Game 2005: a Year-Round Tax and Investment Guide for Canadians by Tim estnick (ISBN: 0470836113, $18.89). Comment: Easy to read, well laid out, good chapter names and good headers throughout the chapters. Learn to Earn: A Beginner's Guide to the Basics of Investing and Business by Peter Lynch and John Rothchild (ISBN: 0471180033, $30.45). Comment: For beginning investors. < r o l i a. n e t > Bogle on Mutual Funds by John Bogle (ISBN: 1556238606, $27.96). and The Future for Investors by Jeremy Siegel (ISBN: 140008198X, $27.96). Comment: An investor who has read either or both of The Future for Investors or Bogle on Mutual Funds would be prepared to do well in investing in the U.S. markets. { 枫下论坛 www.rolia.net/forum } Other 3 books on 3 different investing style, you could pick one to read depending on which style suit you (I recommend indexing): Investing in stocks: One Up On Wall Street and Beating the Street by Peter Lynch (ISBN: 0671891634, $22.50). Index investing: The Power of Index Funds: Canada’s Best- Kept Investment Secret by Ted Cadsby (ISBN: 0773760830, unavailable) and A Random Walk Down Wall Street by Burton Malkiel (ISBN: 393325350, $18.90). Dividend investing: Beating the Dow: a High-Return, Low-Risk Method for Investing in the Dow Jones Industrial Stocks With as Little as $5 by Michael O’Higgins (ISBN: 066620473, $22.95). < 相约加拿大 ROLIA.NET > The above comments were from some famous financial writters. Hope the list can help you bit. <本文发表于: 相约加拿大:枫下论坛 www.rolia.net/forum > REPLY 话题 版权声明 关闭窗口 本页网址: http://www.rolia.net/forum/forum_sho...=20&_cno=2350& |
|
Apr 12th, 2006, 14:21 | 只看该作者 #8 |
香格里拉
注册日期: Jan 2006
帖子: 2,185
精华:1
声望: 354488
|
Tax Treatment of Mutual Funds for Individuals
FYI - Tax Treatment of Mutual Funds for Individuals http://www.cra-arc.gc.ca/E/pub/tg/rc4169/rc4169-05e.pdf -ceei(会挣钱的猪); 4.4 13:29 (#2884025@0)Reply 多谢。总结一下..... ------------------------------------------------------------------------- by pigking (铁头猪王) at 2006.4.4 17:22 MF报税: 1. T3/T5按要求报。 2. 另外单独计算Capital Gain/Loss。我MF的Broker是CIBC,报税前收到MF的Statement,Capital Gain/Loss = Credit - Debit。 补充一下计算ABC的公试:ACB= ------------------------------------------------------------------------- by jim366 (金) at 2006.4.4 22:29 ACB=your initial investment + additional investments + reinvested distributions- any return of capital distributions - adjusted cost base of any previous redemptions. 其中return of capital distributions 是基金公司分摊给投资人来报税的CAPITAL GAIN,在收到的T3中的BOX 42就是这一项. 建议大家还是在每次派息时自己计算一下ACB存档.当投资股票或MFUNITS转让给配偶时,根据ROLLOVER的原理,这种原始ACB的存档尤其重要.BROKER提供的数据有可能在转让时丢失或变化. Be careful on mutural fund capital gains! -------------------------------------------------------------------------------- by ceei (会挣钱的猪) at 2006.4.4 09:50 If you own mutual funds and you automatically reinvest the income you earn each year, don.t forget to take this into account when you sell the fund and calculate your capital gain or loss. For example, if you invested $1,000 in a mutual fund, and then sold it for $2,000, it may appear as though your capital gain is $1,000. However, if you have reinvested $400 income from the fund, your capital gain is only $600. This is because your total investment is really $1,400 (the original $1,000 plus the reinvested income). You already paid tax on the $400; if you forget about it when calculating your capital gain, you will end up paying tax on it twice! I know this issue had been a common sense for a lot experience investors but some people are still massing up on this matter. My friend is filing a ajustament return to get money back!!! |
|
Apr 15th, 2006, 03:53 | 只看该作者 #13 | |
ZFMG-X20A StrikeFreedom
注册日期: Jul 2004
帖子: 3,989
声望: 3399165
|
引用:
专家说法: 1、投资总是有风险,但最大的风险是不投资。 2、投资GIC是次大风险,去除年平均5%的通涨,你的回报是负的。 3、投资股市最安全,北美股市从诞生到现在任何一个10年段的回报都是正的,所以只要你持股足够长,股价现在的高低不是问题,但一定要是优质公司。 4、要学会借钱生钱,靠工作攒钱投资永远发不了财。 仅供参考。如果投资无风险,银行就会不存在,因为人人都去投资了,如果投资只有风险无回报,股市就会不存在,人人都去存钱了,这是投资辩证法,就看你如何去掌握那个度了。 |
|
|
Apr 15th, 2006, 08:30 | 只看该作者 #14 |
香格里拉
注册日期: Jan 2006
帖子: 2,185
精华:1
声望: 354488
|
2、投资GIC是次大风险,去除年平均5%的通涨,你的回报是负的。 这是知道我要干什么前的权宜之计。 3、投资股市最安全,北美股市从诞生到现在任何一个10年段的回报都是正的,所以只要你持股足够长,股价现在的高低不是问题,但一定要是优质公司。 我就想用这种方法。同样的在中国适用,所以中国的股票市场再有问题,我还是在前年1300是进了点。我坚信中国要发展,股票市场的问题迟早要解决。 4、要学会借钱生钱,靠工作攒钱投资永远发不了财。 这个还不敢,发财还太遥远。 |
|