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@Manitoba

Answer

jameschen6(梦想农庄-神爱世人)
本文发表在 rolia.net 枫下论坛Hi James,

Welcome to the TD Helps Community. Great question and one I can certainly help with!

Your TD Direct Investing Accounts (Cash/Margin, RSP & TFSA) have both a Canadian Dollar an​d US Dollar component; currently RESP & RIF accounts only have a Canadian component. Havin​g both a CAD and USD component means you can stay currency neutral by buying securities on​ the CAD or USD markets, whichever you prefer. Previously, you would have had to pay an ex​change rate for buying securities on the NYSE if you were using your CAD component.

If your TD Direct Investing Accounts do not have both a CAD and USD component, you can con​tact a TD Direct Investing Specialist at 1-800-465-5463 to get one added at no charge. All​ new TD Direct Investing Accounts will come with both components.

Any contributions made in USD will be converted to the market rate equivalent in CAD and r​eported accordingly to CRA. Live market rates are used and it's difficult to determine wha​t your rate would be at any given time. However, you can contact a TD Direct Investing Spe​cialist to make your contribution if you would like to know what the exchange rate is at t​he time of the contribution in order to avoid any overcontributions. It's also important t​o note that contributions in USD can only be made a few different ways (transfer from TD D​irect Investing Non-Registered Account in kind to your TD Direct Investing RSP USD Compone​nt) - you cannot simply make a transfer from your TD Bordeless Account to your TD Direct I​nvesting RSP (in USD).

I hope this helps answer your questions, James. Please feel free to write us back if you h​ave any other questions.更多精彩文章及讨论，请光临枫下论坛 rolia.net
(#9939983@0)
Last Updated: 2016-2-11
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Replies, comments and Discussions:

  • 枫下家园 / 钱财税务 /
    tor
    Toronto Area
    我在TD有RSP账户,是不是每次买RSP一定要去银行和financial adviser谈？能不能自己网上操作？还能有RSP receipt. 在mississauga有中国人在 TD工作吗？谢谢 -zzddlljj(告别严冬); 2016-1-15 (#9883021@0)
    • RSP有很多种。有能网上操作的，也有只能advisor替你操作的。 -3854688(小鹏); 2016-1-16 (#9883262@0)
    • 证券账户可以自己上网买，分行的就不可以。 -yefu(野夫); 2016-2-6 (#9932269@0)
      • 不知你在说什么。 -jameschen6(梦想农庄-神爱世人); 2016-2-6 {107} (#9932412@0)
        现在这个时代了，真不知道还有不能online contribution的，我也别把话说绝了，有不能的告诉我一声，我也长点知识。
        • online contribution只能继续投资已有的基金，不能随意选择。 -vicky2005(孩子她爹); 2016-2-9 (#9936410@0)
        • TD 的投资有很多种。有能网上操作的，也有只能advisor替你操作的。例如TDAM你就无法online contribute. 而e-series就可以，水房就更可以了。 -3854688(小鹏); 2016-2-10 (#9936831@0)
    • 我也是每次都去银行买，应该说每年去一次。好像自己买不行，不过我是不懂的，在这里替你顶一下问清楚。 -lshyw(锦瑟); 2016-2-6 (#9932425@0)
    • 你需要set up self directed RRSP with td waterhouse first. 然后就可以每次直接到柜台存钱，支票title 填td waterhouse -caihongfengyuhou(caihong); 2016-2-7 (#9932901@0)
      • RRSP 收据会自动网上传给你的 -caihongfengyuhou(caihong); 2016-2-7 (#9932902@0) +1
      • 我都是Easyweb里面操作，无论转账，买卖都是，为什么要到分行？ -jerryxiao(闲云野鹤); 2016-2-7 (#9933433@0) +2
        • 你说得对，可以直接转的其实，但我因为td bank account几乎不用，没钱可转，所以才去柜台的 -caihongfengyuhou(caihong); 2016-2-7 (#9933455@0)
          • 首先，你把lz的问题具体化了，他只是泛泛问，有个td rrsp，每次买rrsp是不是非要到branch去谈。 -jameschen6(梦想农庄-神爱世人); 2016-2-8 {420} (#9934342@0)
            这rrsp账户，可能就是td里的一个产品，可能是broker账户，也可能是discount broker 账户 （td waterhouse），人家泛泛的问，咱就泛泛的答好了，基本都可以 online contribution的，td内的cheque自然没问题，外部的也不会有问题，（有不能的告诉我）。其次，就如你的情况，根本用不着去branch，waterhouse这样popular的公司，还能不再各金融公司的payee list里？我的pc就能加 payee，直接contribute到 waterhouse。

            就跟交电费似，还谁去branch交吗？
            • 我的就是基本的rsp 账户, 买了点基金。去TD 问了, 说是Waterhouse 的才能自己操作。所以来问问有没有其他的选择。因为一年才买一次, 还能忍受。谢谢 -zzddlljj(告别严冬); 2016-2-8 (#9934946@0)
            • 哇，真不知道waterhouse 可以被加为各金融公司的payee list，学习了！ -caihongfengyuhou(caihong); 2016-2-9 (#9936541@0)
              • TD基本上不再使用 TD Waterhouse 这个名字了，代之的是TD Direct Investing，大概喜欢Direct这个词吧。在12个online brokers中，有5个brokers，名字中有Direct这个词。 -jameschen6(梦想农庄-神爱世人); 2016-2-9 (#9936585@0)
          • 你把其它银行的chequing和TD的链接起来，转款就不用去TD了，直接网上操作Bank to Bank transfer 即可。 -jerryxiao(闲云野鹤); 2016-2-9 (#9936338@0)
            • 我也是因为一年才买一次, 还能忍受。谢谢 -caihongfengyuhou(caihong); 2016-2-9 (#9936544@0)
    • 我是有什么财务、账号、缴费都亲自去公司附近的TD分行办理，根他们混熟了借钱很方便：） -tums(Summer); 2016-2-9 (#9936342@0)
      • 几个星期前我想存几个GIC, 网上查了利率，去到分行他们告诉我他们有特别利率，网上查不到的 -tums(Summer); 2016-2-9 (#9936348@0)
      • 商业行为吧 -akoei(停车**枫林晚); 2016-2-10 (#9937348@0)
    • 问个难度高一点的问题。现在手上有美金没加币，想直接EASYWEB里面的BOARDLESS美元账户转美金，显示没有水房的美金账户，只有加币账户。意思就是自己存不进美金进去RRSP的。那谁知道有什么办法，减少汇率损失，进水房RRSP美金账户的？ -bricksonly(鑫); 2016-2-11 (#9939137@0)
      • """""We also offer you the ability to open a US$ component of an SDRSP plan which will allow you to hold U.S. securities and settle trades in U.S. dollars."""" It seems that US component is not added by default. You have to ask you to do so. Call them. -jameschen6(梦想农庄-神爱世人); 2016-2-11 (#9939316@0)
        • 说是再开个NON-REGISTERED的水房双币账户，就可以转进去。我还是挺怀疑。。。。这个自己可以操作，汇率怎么算？我意思是填进RRSP的钱，因为是美金，怎么算成加币（当年抵扣额不超过）。税局说找水房的专家，水房的专家没想过这个问题。。。。 -bricksonly(鑫); 2016-2-11 (#9939441@0)
          • RRSP/TFSA 都可以开美元账户，打电话即可。转进/出RRSP 时，好像必须按加币， 也就是转进/出当时的汇率转成加币。 -james4rn(james); 2016-2-11 (#9939629@0)
          • Answer -jameschen6(梦想农庄-神爱世人); 2016-2-11 {1687} (#9939983@0)
            本文发表在 rolia.net 枫下论坛Hi James,

            Welcome to the TD Helps Community. Great question and one I can certainly help with!

            Your TD Direct Investing Accounts (Cash/Margin, RSP & TFSA) have both a Canadian Dollar an​d US Dollar component; currently RESP & RIF accounts only have a Canadian component. Havin​g both a CAD and USD component means you can stay currency neutral by buying securities on​ the CAD or USD markets, whichever you prefer. Previously, you would have had to pay an ex​change rate for buying securities on the NYSE if you were using your CAD component.

            If your TD Direct Investing Accounts do not have both a CAD and USD component, you can con​tact a TD Direct Investing Specialist at 1-800-465-5463 to get one added at no charge. All​ new TD Direct Investing Accounts will come with both components.

            Any contributions made in USD will be converted to the market rate equivalent in CAD and r​eported accordingly to CRA. Live market rates are used and it's difficult to determine wha​t your rate would be at any given time. However, you can contact a TD Direct Investing Spe​cialist to make your contribution if you would like to know what the exchange rate is at t​he time of the contribution in order to avoid any overcontributions. It's also important t​o note that contributions in USD can only be made a few different ways (transfer from TD D​irect Investing Non-Registered Account in kind to your TD Direct Investing RSP USD Compone​nt) - you cannot simply make a transfer from your TD Bordeless Account to your TD Direct I​nvesting RSP (in USD).

            I hope this helps answer your questions, James. Please feel free to write us back if you h​ave any other questions.更多精彩文章及讨论，请光临枫下论坛 rolia.net
            • 跟我听到的一样，美金只能这个口子进出，汇率计算由水房说了算。别的口子进出，就都得是加币了。 -bricksonly(鑫); 2016-2-11 (#9940099@0)

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