真實個案: 如何自製$18000被動收入合法節省高達30-45%稅! 加拿大退休生活理財秘技終極慳稅投資收入｜自製長糧每月入息滾動打造退休金月月領「退休俸產生器」｜Novella我想退休EP10

Подписаться 5 тыс.

Просмотров 24 тыс.

50% 1

【免費領取優惠】‣ bit.ly/3Ckugzc
✅完善制定您的加拿大全方位理財規劃
✅稅務優化
✅創富投資
✅退休傳承
✅保險規劃
✅1-對-1個人化建議
✅首次諮詢免費
══
#加拿大退休 #退休收入 #加拿大稅務 #投資理財 #加拿大理財 #加拿大節稅
⬇️更多加拿大理財影片 More Canadian Financial Videos
/ @novellawealth
• 【Novella我想退休】準備加拿大退休規劃...
══
🎥 今集摘要 Summary
【真實個案: 如何自製$18000被動收入合法節省高達30-45%稅! 加拿大退休生活理財秘技終極慳稅投資收入｜自製長糧每月入息滾動打造退休金月月領「退休俸產生器」｜Novella我想退休EP10】
在「Novella我想退休」的第十集中，我們將揭示一個能夠在加拿大退休生活中創造每月高達$18000的被動收入的真實個案，並探討如何合法節省高達30-45%的退休稅務。這個影片將帶您深入了解加拿大的退休生活和理財，揭示一個終極慳稅投資收入的秘技，讓您能夠自製長糧，每月入息持續滾動，打造您的「退休俸產生器」。
首先，讓我們解釋加拿大的稅制及退休稅務。加拿大的稅收分為聯邦稅和省稅，而這些稅收是根據您的收入而定的。隨著收入的增加，稅率也會相應提高。在退休後，不良的財務規劃可能導致高額的退休稅款。因此，了解加拿大的退休稅務制度至關重要，以避免不必要的稅務負擔。我們將詳細探討退休期間的稅務策略，以最大程度地減少稅款支出。
加拿大退休稅務不僅影響您每月的收入，還可能對您的退休計劃和生活質量產生深遠影響。因此，我們將在整個影片中不斷強調如何有效地管理退休稅務，以確保您能夠在退休生活中擁有穩定的財務狀況。
接著，我們將比較各種退休收入投資策略與考慮因素。在加拿大退休生活中，您可能會依賴政府福利、僱主退休金計劃和個人儲蓄等多種收入來源。我們將分析這些策略的優缺點，包括其稅率、風險和可持續性等方面。此外，我們將重點關注如何最大化加拿大退休養老金計劃和其他退休收入來源的潛在優惠，以實現更好的財務效益。在這個過程中，我們將不斷提及加拿大退休和退休稅務相關的概念，以強調其重要性。
最後，我們將揭示一個終極退休收入慳稅秘技。這個秘技將讓您以最低成本、低風險的方式創造被動收入，同時有效地降低退休稅務負擔。通過結合各種退休收入投資策略，我們將幫助您實現每月$18000的被動收入目標，並在退休生活中享受財務自由。
無論您是正在積極規劃退休，還是已經處於退休狀態，這個影片都將為您提供實用的信息和策略，幫助您在加拿大退休生活中更好地管理財務並享受生活。立即觀看「Novella我想退休」的第十集，掌握這些實用的加拿大退休生活理財秘技，打造您的「退休俸產生器」，為未來的退休生活做好準備！
影片主題關鍵字：Novella Wealth, 加拿大理財, 加拿大稅務, 加拿大退休, 加拿大生活, 加拿大養老金, 加拿大稅務, 加拿大退休, 退休生活, 退休理財, 退休稅務, 加拿大稅務制度, 加拿大退休金, 被動收入, 長期投資, 加拿大省稅, 財務規劃, 加拿大理財, 加拿大投資, 加拿大金融, 加拿大財務自由, 加拿大退休計劃, 加拿大個人儲蓄計劃, 加拿大退休房產, 加拿大退休金制度, 加拿大退休福利, 加拿大退休保險, 加拿大退休規劃
本影片的目標是提供一些的投資策略和理財知識，所發表的意見、資料及數據只供參考。本影片所提供之資料並不能取代專業意見，如您需要更進一步之意見及資料，請尋求專家之協助。
══
⏩ 立即跳到 Timestamps
00:00 Intro: 終極退休收入慳稅投資收入
00:53 街頭訪問溫哥華市民
02:35 加拿大稅制與收入問題
03:18 加拿大3大退休收入來源及稅率
04:35 退休投資策略與考慮因素
11:14 終極退休收入慳稅秘技大公開
14:21 例子說明: SWP vs. GIC
18:34 SWP策略適合誰？風險和注意事項
══
ℹ️ 資訊連結
▻ 加拿大個人入息稅稅階
www.canada.ca/en/revenue-agen...
══
📺節目重溫
15個報稅秘密幫你節稅省錢 • 加拿大報稅懶人包2024: 報稅前必看! 1...
最新2024加拿大CPP重大改變 • 最新2024加拿大CPP重大改變人工被扣一...
2023加拿大最新稅務政策重大稅務變化全新FHSA • 回流新移民注意⚠️ 全新FHSA幫你加快在加...
FHSA vs. RRSP vs. TFSA 加拿大買樓儲蓄工具大比拼 • 回流新移民注意: 加拿大買樓儲蓄工具大比拼:...
加拿大「退休三寶」CPP RRSP TFSA • 【Novella和您PLAN】加拿大「退休三...
加拿大家庭福利: 牛奶金、教育基金RESP、養兒福利 • 加拿大有什麼福利要注意? 善用加拿大福利媽...
加拿大CPP養老金計劃全解析 • 加拿大CPP養老金計劃2022全解析加拿大...
RRSP到期被強制取款?! 免税提取RRIF策略 • 加拿大退休RRSP被強制取款?! RRSP提...
══
ℹ️關於About
Novella Wealth 加拿大專業理財團隊
novellawealth.com/zh-hk/team
Novella Wealth由創辦至今服務加國居民10年多，一直深受客戶們信賴，幫助他們達到財富目標。Novella的使命在於幫助客人輕鬆作出明智理財抉擇、盈亮精彩人生。Novella Wealth的持牌顧問可為BC, ON, AB, 及SK省客戶提供專業財務策劃服務。
服務包括: 各類型的個人及團體醫療人壽保險、延伸醫療計劃、加拿大註冊儲蓄戶口，如RRSP, TFSA, RESP, LIRA, RRIF, LLP、退休計劃、保本基金投資、傳承策劃、企業稅務優惠計劃、按揭策劃，等...
☆本頻道內容包括☆
‣ 加拿大儲蓄工具: RRSP、TFSA、FHSA、Home Buyers' Plan、RESP
‣ 加拿大退休策劃與福利: OAS、CPP、GIS、RRIF、遺產傳承策劃、遺產稅，等等...
‣ 如何策劃退休收入流創造穩定退休金、退休稅務策略
‣ 其他加拿大財務政策、投資策略如: 保本基金 Segregated Fund
‣ 加拿大保險概念
‣ 加拿大生活
Since 2013, Novella Wealth has been dedicated to serving families and individuals across Canada, building a strong bond of trust and support with clients like you. Our mission goes beyond financial services; it's about empowering you to make informed financial decisions for a prosperous and fulfilling life.
Our licensed professionals serve clients in BC, ON, AB, and SK. Wherever you are, our commitment remains unwavering in providing top-quality financial guidance tailored to your unique needs.
Services include: life insurance, individual and group medical benefits, disability, Extended Health Coverage, Canada registered accounts such as RRSP, TFSA, RESP, LIRA, RRIF, LLP, retirement planning, segregated funds investment, legacy planning, corporate tax strategy, mortgage planning, etc.
══
Find Us On:
【LinkTree】linktr.ee/novellawealth
【YT: Novella Wealth加拿大理財生活】 / @novellawealth
【IG | Threads | TikTok: @novellawealth】
【FB | LinkedIn: Novella Wealth】
【Website】www.novellawealth.com
【WhatsApp】 wa.me/16043703434
══
Disclaimer: This material and video content is for information purposes only and is not intended to provide specific financial, legal, tax, investment or other advice, and should not be relied upon in that regard. You should not act or rely on the information without seeking the advice of a professional. No content on the site shall be considered a recommendation or solicitation for the purchase or sale of any financial products. 免責聲明：以上文章及影片內容所發表的意見、資料及數據只供參考。本網站所提供之資料並不能取代專業意見，如您需要更進一步之意見及資料，請尋求專家之協助。本公司並不因提供本網站上之資料而被視為從事提供法律或其他專業意見之服務。歷史數據不作判斷未來趨勢的依據，並非一項要約出售或購買任何產品的建議。
══
‣ 𝘿𝙞𝙨𝙘𝙤𝙫𝙚𝙧 𝙩𝙖𝙞𝙡𝙤𝙧𝙚𝙙 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙨𝙩𝙧𝙖𝙩𝙚𝙜𝙞𝙚𝙨 𝙩𝙝𝙖𝙩 𝙖𝙡𝙞𝙜𝙣 𝙬𝙞𝙩𝙝 𝙮𝙤𝙪𝙧 𝙜𝙤𝙖𝙡𝙨 - 𝙨𝙘𝙝𝙚𝙙𝙪𝙡𝙚 𝙮𝙤𝙪𝙧 𝙘𝙤𝙣𝙨𝙪𝙡𝙩𝙖𝙩𝙞𝙤𝙣 𝙣𝙤𝙬
‣ bit.ly/3Ckugzc
【立即領取優惠】✅完善制定您的加拿大退休規劃 ‣ bit.ly/3Ckugzc
══

Хобби

Опубликовано:

26 июл 2024

Ссылка:

Скачать:

Готовим ссылку...

Добавить в:

Мой плейлист

Посмотреть позже

Комментарии : 36

@NovellaWealth 4 месяца назад

成日有好多客人問我哋，有冇方法可以有多啲被動收入💰 又唔洗俾太多稅🙅🏻‍♂又相對低風險✅低成本✅⁉ 係有嘅😎 🙋🏻‍♂一招教你如何輕鬆自製長糧，每月入息🤑同時節省高達45%的稅！ ►如果想詳細了解，歡迎與理財顧問做免費諮詢：bit.ly/3Ckugzc (👈🏻點擊連結預約) ►這個影片對你有幫助的話，請幫忙留言 🌟給我們支持一下！

@kieh7738 3 месяца назад

簡單d講，因為GIC，Capital gains或其他一次性既收入必需一次過在賺取該收入那一年計稅，所以跨到高稅階會被收多稅。而SWP即係分拆式賺取Capital gains, 可以按個人情況（總收入）黎控制該年領幾多收入，從而將總收入控制在較低稅階。如果其他收入太高，總收入點搬都係最高稅階，咁SWP係冇用😂）

@NovellaWealth 3 месяца назад

如果嗰年突然之間佢係好少收入，想喺裏面攞多啲錢出嚟用，係可以的，但係就會搞亂咗SWP. 個人稅楷我們比較難控制，因為要看整體的收入而已。但係我哋可以將投資的inclusion rate 減低，所以相對嚟講，就算個人的税楷高，要付出的稅項亦都相對嚟講係少。 - Kinson

@user-nk8tg7gk3p 3 месяца назад

我未買過 SWP, 所以唔識，但想問清楚至買，你張 T3冇，想問張真正 T3 是否有 Return of Capital Box 42？因我有買開 REIT. 如果有，即係我俾舊錢你，你又分期 charge 我 MER , 然後俾番我，其實果 D Fund rate of return 有幾多？是否 $1200 是 actual return？咁只係小過 1%.($ 1200 / $150,000 ). 請教如果我今日用 $ 150,000 買 VOO, 每年賣 $ 18,000用, 個 result 同 SWP 分別大唔大？

@NovellaWealth 3 месяца назад

感謝您的提問。與mutual fund和trusts income investment 相比，segregated funds 的T3報表通常不在box 42號顯示資本返還（ROC）。在我們的影片例子中，我們使用了segregated funds，這就是為什麼T3報表上沒有顯示ROC。不同的投資產品生成不同類型的T3報表。

@tatmanleung145 3 месяца назад

Management fee is also a concern as well but never mentioned. I believe it would not be low compared with other mutual funds.

@NovellaWealth 3 месяца назад

Hi there! Thank you for your comment! Just to clarify, we don't charge any fees for our services. In the example shown in the video, it was executed with segregated funds. Fund managers charged the fee and it is similar to mutual fund. However, segregated funds offer additional benefits such as principal reset and guarantees at death. - Kinson

@user-nk8tg7gk3p 3 месяца назад

@@NovellaWealth If the tax document is T3, In theory the income will flow to me, how come I report much less ? is the $1180 X 2 my actual income. I am worrying about my investment. 冇左隻鷄？Any. ROC on the T3?

@wilkins0904 3 месяца назад

What is the underlying assets of SWP?

@NovellaWealth 3 месяца назад

The underlying assets of the actual example were segregated fund offered by insurance company. - Kinson

@garyng2000 2 месяца назад

it is not 'income' but cashflow which most of the time has quite a portion of return of capital. CRA is not stupid

@NovellaWealth 2 месяца назад

Thanks for your input! You're absolutely correct that when making systematic withdrawals or periodic income from our accounts, a portion consists of return of capital, while another portion comes from gains such as interest, dividends, and capital gains. Our intention was to highlight these nuances in withdrawals and how these factors influence tax implications and achieving a low inclusion rate, based on our real-world client experiences.

@joanho2767 2 месяца назад

其實到將基金放出時，不是一様要俾capital gain tax 嗎？

@NovellaWealth 2 месяца назад

多謝你的留言！你提到的問題確實是關於SWP的重要一環。放出基金時確實需要計算資本增值稅。我們的目標是提供不同的取款方式建議，以最大程度地減少資本增值稅的含稅比率 (inclusion rate)。儘管個人稅率可能較高，但我們能夠降低投資的含稅比率，因此相對而言，需要支付的稅款也會相對較少。換句話說，SWP可以幫助你在稅收後保留更多的錢在口袋裡。有關詳細信息，您可以預約免費諮詢，我們將樂意為您提供進一步的指導: bit.ly/430I3q1

@lilianleung5659 3 месяца назад

If the withdrawal is from the RRSP or RRIF， because the funds were not paid tax from before until withdrawal from the account ， so the entire amount withdrawn is becoming a taxable income in the year .

@NovellaWealth 3 месяца назад

Hi Lilian, thanks for your comment! Yes, you are correct. This example was from client's own money in a non-registered account outside of the RRSP or RRIF account. - Kinson

@user-nk8tg7gk3p 3 месяца назад

好奇，資產管理係加拿大有甚麽 requirement ? CFA ?你地只係艇仔轉我俾 insurance companies ? 有乜事邊個付責，sign 好多 disclaimer ? 尤其是 Insurance related, 我年紀大，比較小心.所以又問.

@NovellaWealth 3 месяца назад

感謝您的詢問！Kinson Lai 和 Edmond Ng 都是加拿大Certified Financial Planner CFP®（中譯：註冊財務策劃師/國際金融理財師），同時也在 Insurance Council 註冊受規管。他們在卑詩省、安省、亞省、沙省均有註冊。您可以透過以下連結查詢他們的專業資格： Kinson Lai: www.fpcanada.ca/findaplanner?refId=d7e77869948ba7500ca20937afd59c8f9b7a0238adb81499a1681337279e297a Edmond Ng: www.fpcanada.ca/findaplanner?refId=8911628bbb5f27b210507ca979fe5f68a859ff2a8f4324e4e53aa9c9b4ece3a9 此外，我們的公司 Novella Wealth Corporation 是一間註冊保險經紀公司，同樣受 Insurance Council 嚴格規管。您可以在 Insurance Council Licensee Directory 上搜尋 "Novella Wealth" 確認： portal.insurancecouncilofbc.com/licenseedirectory/agencydirectory/ 如果您對於我們的專業資格或公司註冊有任何疑問，請隨時電郵與我們的 Operations Team 聯繫: info@novellawealth.com。我們非常重視您的關注，並願意提供您所需的所有信息。另外，如果您希望安排網上諮詢會面，請點擊以下連結預約：bit.ly/3Ckugzc

@samlau3835 2 месяца назад

家住多倫多，請問贵宝号有無分店在多市？

@NovellaWealth Месяц назад

我們目前在多倫多沒有實體分店，但我們的理財顧問在安大略省是註冊的。如果您有任何理財上的需求，我們很樂意為您提供完善的諮詢服務。您可以通過預約來安排會面或線上諮詢，透過這個連結：bit.ly/430I3q1

@user-nk8tg7gk3p 3 месяца назад

好似年年有蛋食，但隻鷄越來越瘦？是否果 $18000 係我自己本金俾番我，到時我想攞番本金，你話冇哂囉.這是我的疑惑.我退休時唔怕俾税，因税率低，但怕冇左隻鷄.🤔

@NovellaWealth 3 месяца назад

首先多謝你嘅留言。我哋嘅工作，就係點樣幫你年年「有蛋食」，亦都係點樣可以幫你隻雞儲得越嚟越肥。當然每一個人嘅情況唔同，所以我哋會俾建議，同埋Example，去同你做一個長遠嘅退休方案。 - Kinson 如有任何疑問，可以直接 WhatsApp 我哋了解更多：wa.me/16043703434 （點擊連結會直接打開Whatsapp對話)

@lynngraham9547 3 месяца назад

有什么方法可立少税务，我己六十九岁了

@NovellaWealth 3 месяца назад

基于您的问题，我建议我们先深入了解您的具体情况，包括资产、计划和收入等，以制定一个更完善的减税方案。请与我们联系，点击链接预约免费咨询：bit.ly/3Ckugzc 同时，我们也推荐您观看我们其他的影片以获取更多相关信息： ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-VIUYVPQ06zw.htmlsi=J1gIQPFOMhNflUnr ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-0wmhzR4jinM.htmlsi=Lz0zlMuW6s2lDhHn

@marklee8484 3 месяца назад

How much you have to invest in order to get $1,500/month?? You did not explain?

@NovellaWealth 3 месяца назад

Hi Mark, thanks for your comment! The example in the video was from our client starting at $150,000. - Kinson

@user-nk8tg7gk3p 3 месяца назад

@@NovellaWealth What you are saying is annual return is 12%？ Since in order to have $18000 from $150,000. Then, is the investment still low risk ?

@NovellaWealth 3 месяца назад

@@user-nk8tg7gk3p Thank you for your interest in our SWP example. To clarify, the client chose to withdraw $18,000 annually from their initial $150,000 investment. While this may suggest a 12% annual return, the actual average rate of return over the past 6 years has been 8.5%. Despite market corrections in 2018, 2020, and 2022, the client's account has remained resilient. To mitigate risk, we emphasize long-term investments, dollar-cost averaging, and diversification. We tailor investment recommendations to match individual risk tolerance and objectives. In this case, the client's goal was to fund a project over 10 years, yet the income is projected to last over 14 years even with a conservative 5% rate of return. Each SWP is customized based on specific objectives, such as retirement planning, to ensure longevity of income. We encourage private consultations to assess suitability for individual circumstances. If you're interested in discussing your investment goals further, you can book a consultation here: bit.ly/430I3q1 Thank you for engaging with us, and we're pleased to report the client's satisfaction with the results achieved. -- Kinson & Edmond

@user-nk8tg7gk3p 3 месяца назад

@@NovellaWealth Okay,, then how can you make a living ? Trailing commission from mutual fund companies ? As the way you explain on the rate of return, how come you did not show the ROC on those T3 ? The first T3 you show, the return was not even a 1% ? Thanks

@NovellaWealth 3 месяца назад

@@user-nk8tg7gk3pSegregated fund T3 statements typically do not include Box 42 for Return of Capital (ROC), unlike mutual funds and trust income investments. In our example, we used segregated funds, which is why ROC was not shown on the T3 statement. Different investment products generate different types of T3 statements. Here's some more information if you'd like to learn more: www.manulifeim.com/retail/ca/en/viewpoints/tax-planning/understanding-your-tax-slip Please also note that our clients’ investments are not locked in, and there are no penalties for full redemption. Recent regulatory changes offer increased protection for investors. Many of our clients have been with us for over a decade, and they continue to be satisfied with their investments. If you have further questions or would like to discuss investment options, please feel free to reach out and schedule for an appointment. We’re here to assist you. bit.ly/430I3q1

@user-ft2jw2it9m 4 месяца назад

Nonsense, The dividend includes a lot of return of capital and therefore the tax rate is low

@NovellaWealth 4 месяца назад

Thank you for your comment. To confirm, when we are doing systematic withdrawal or periodic income from our accounts, there are a portion return of capital and a portion from gains of interest, dividend and capital gains. As stated in the video, because of the return of the capital thus the inclusion rate is low. We based our video on a real life client we had over the years and it may differ on a case by case basis. Please also note, if we were to have an account and we make lumpsum withdrawal the inclusion rate would not be as low. So, sometimes we do recommend doing these regular payments to the client to keep the investment tax inclusion rate low. - Edmond

@user-wz5zi5ek2s 4 месяца назад

These two hosts say many many “其實 ” repeatedly, let alone they are wrong in use of Chinese sentence stuctures, hear too much repeated of same “ rubblish word ” making viewers very disgusting..

@NovellaWealth 4 месяца назад

Thank you for your feedback. We appreciate your perspective and will take it into consideration for future videos to ensure a better viewing experience for all our audience.