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枫下家园 / 钱财税务 / 将普通帐户的亏勋股票卖掉,第二天再在RRSP帐户买入相同的股票。股票亏勋是否可减税。谢谢。
-cyberworld(自然之神);
2013-12-30
(#8532740@0)
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Stocks are stocks I thought? Retirement has tax shelter on stocks and non-stocks I thought?
-meisuowei(.);
2013-12-30
(#8532752@0)
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我不是专家,从CRA网站查到这个信息。 我的理解是你不能Deduct Capital Loss 因为你在30天之内买回了。
-mocarly(dian);
2013-12-30
(#8532761@0)
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a more detailed explaination to help you understand Superficial lossat the end of the article, it mentioned the buy back of the same capital property into registier account.
-mocarly(dian);
2013-12-30
{105}
(#8532773@0)
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非常感谢,看来30天后再买回是可以合法避税的。明天就卖。
-cyberworld(自然之神);
2013-12-30
(#8532924@0)
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I thought capital loss can only set off capital gain? And verse VESA?
-meisuowei(.);
2013-12-30
(#8532938@0)
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Yes. I had capital gain. Thanks
-cyberworld(自然之神);
2013-12-30
(#8532961@0)
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^_^
-meisuowei(.);
2013-12-30
(#8532964@0)
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没有用了,卖得太晚,应该是24号卖的。你要把交割的时间算上,3个business day.你今天(31号)卖的话,这个亏损算明年的。
-jedi_xie(Jedi);
2013-12-31
(#8533563@0)
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你自己觉得呢?
-jameschen6(梦想农庄-秋高气爽);
2013-12-30
(#8532858@0)
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选择性不知道。
-meisuowei(.);
2013-12-30
(#8532898@0)
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将尼亚加拉赌场的老虎机筹码卖掉,第二天再在华玛赌场买入相同的老虎机筹码。赌博亏勋是否可做折扣。谢谢。
-zhylj(爱谁谁);
2013-12-30
(#8532894@0)
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12/31 is the key here.
-meisuowei(.);
2013-12-30
(#8532901@0)
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当然可以,又不是同一个账户。你的Capital Loss只能减你的Capital Gain,如果没有Capital Gain,可以将这一Capital Loss 用于下一年度。在这一过程中,你唯一损失的是卖和再买的Commission Fee。
-sue01(苜蓿草);
2013-12-30
(#8532951@0)
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Thanks. 你是说根本不用等30天?
-cyberworld(自然之神);
2013-12-30
(#8532959@0)
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是的,可以打电话问你的Broker加以确认。
-sue01(苜蓿草);
2013-12-30
(#8532963@0)
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I guess when you sell the loss occurs, buying has nothing to do with this sell any more.
-meisuowei(.);
2013-12-30
(#8532966@0)
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今年的Settlement Day已经过了,现在卖了,只能去减2014年的Capital Gain。
-sue01(苜蓿草);
2013-12-30
(#8532969@0)
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Isn't tomorrow still 2013?
-meisuowei(.);
2013-12-30
(#8532970@0)
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BMO Investorline 2013年的Settlement Day:对于加国市场,最后一天是24号;美国市场是26号;Options是今天30号。
-sue01(苜蓿草);
2013-12-30
(#8532976@0)
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收到。Thanks!
-meisuowei(.);
2013-12-30
(#8532982@0)
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这就糟了。TD WATERHOUSE 最后SETTLEMENT DATE是哪天?看来明年才能抵税
-cyberworld(自然之神);
2013-12-30
(#8532983@0)
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当然不可以,看看Superficial Loss Rule。不要想当然!即使是夫妻配偶之间都不可以,更不用说同一人不同的两个account了。
-jeffrey815(Smartiecat);
2013-12-30
(#8533361@0)
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普通投资帐户和RRSP互相没有关系,有关系的是你不能在这两个帐户之间对倒(左手卖给右手)一切所有的产品.
-elephantsong(双修大笨象);
2013-12-30
(#8532994@0)
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我将普通帐户的股票卖掉,再在RRSP帐户买入。这不算互倒吧?
-cyberworld(自然之神);
2013-12-30
(#8533002@0)
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不算.何不先买了,然后再卖呢,这样一来没有任何嫌疑.最好不要同一天,同样的价格,同样的数量,万一税务局怀疑了,始终是你麻烦自费提供材料,而人家是工作拿工资.
-elephantsong(双修大笨象);
2013-12-30
(#8533003@0)
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谢谢。先买了得有余钱吧?也许OPTION可以,但没做过。
-cyberworld(自然之神);
2013-12-30
(#8533010@0)
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你这不是两个帐户吗?你是打算把卖股票的钱买RRSP,然后买股票,没问题.
-elephantsong(双修大笨象);
2013-12-30
(#8533017@0)
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Thanks a lot!
-cyberworld(自然之神);
2013-12-30
(#8533051@0)
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你确定吗?Superficial Loss Rule 适用于non-register account 和 registier account, 我认为楼主即使先买进RRSP, 再卖出,一样不能用这些capital loss, 只要两笔交易法生在30天之内。请查询Superficial Loss Rule。
-mocarly(dian);
2013-12-30
(#8533059@0)
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搂主自己看看这个连接吧!
-mocarly(dian);
2013-12-30
(#8533065@0)
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看来这个解释比较权威,还得等30天!谢谢大家的回复。
-cyberworld(自然之神);
2013-12-30
(#8533081@0)
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这句话怎么理解:“The restriction also applies to any purchase in the 30 days before the security is sold”?买了30天的再卖,也不能报LOSS?
-justhaveatry(knockknock);
2013-12-30
(#8533119@0)
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这个是针对买了再卖的,买了后也要等30天再卖,不然也不让报损失的。也就是说在卖出亏损股票前后30天内自己和配偶买过同一股票都会影响到亏损的申报。
-caohe(bunny);
2014-1-2
(#8536032@0)
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我给楼主的建议目的是不要被税务局怀疑是对倒,给自己找麻烦.至于帐户税务问题,我也没去研究,但从常识来感觉,我说的是感觉,没有法理依据,那么这个LOSS不算的话,算哪里去,已经发生了,肯定要算在一个帐户上,税务局能同意在RRSP帐户里发生吗?RRSP因为税务局有股份,里面的钱是没交税的,一旦如此意味着税务局要给你承担部分LOSS,而这是发生在普通帐户上的事实,不可能挪动到RRSP帐户.
-elephantsong(双修大笨象);
2013-12-30
{129}
(#8533110@0)
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"有关系的是你不能在这两个帐户之间对倒(左手卖给右手)一切所有的产品. " ----大象,能不能解释一下你的这句话的含义。我不明白lz的问题,更不明白下面的所有回答s。
-jameschen6(梦想农庄-秋高气爽);
2013-12-31
(#8533473@0)
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猜测:楼主在普通的投资帐户里买了一只股票,估计是亏损了,还很严重,又看好这只股票,或者就不舍得割肉,到了RRSP季节,可能没钱买RRSP,就想换手,把仓位从普通投资帐户换到RRSP帐户去继续持有.
-elephantsong(双修大笨象);
2013-12-31
{564}
(#8533545@0)
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如果楼主想继续在RRSP中持有这个股票,而他的RRSP帐号和普通帐户在同一个BROKER,那么可以用TRANSFER的,连交易佣金都省了,亏损还能抵盈利。
-jedi_xie(Jedi);
2013-12-31
(#8533570@0)
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税务局允许这么干?
-elephantsong(双修大笨象);
2013-12-31
(#8533774@0)
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可以的,我干过,相当于在你的普通帐户卖掉股票,在RRSP里买回来,只要你的BOROKER有这个服务就行,你的BROKER会给你一个RRSP的RECEIPT,以及你普通帐户中显示卖出的交易。但反过来不行。不过通常我是涨价才转的,因为相当于多交了RRSP,但盈利也需要交税。
-jedi_xie(Jedi);
2013-12-31
{78}
(#8533922@0)
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刚才又查了一下相关的规定,好像不行,赚了转RRSP没问题,亏了好像还是不行。
-jedi_xie(Jedi);
2013-12-31
(#8533937@0)
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应该是一样的。Transfer in kind.
-ggxxkkxx(灼灼其华);
2013-12-31
(#8534240@0)
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大象同学,我没买过股票,对你的解释还是不明白,我说的时正常的买卖交易,伙同金融机构或其中的个别人搞欺诈,那就另当 别论。谢谢你再给我上上课好吗?"因为市场上有很多股票交易很少,还有盘前,早上4点就开了,几乎没人参与,很容易对倒的"
-jameschen6(梦想农庄-秋高气爽);
2013-12-31
{81}
(#8534285@0)
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No need to sell. I have been transferring security including stock to RRSP for years, it is considered as disposed and book value contributed to RRSP.
-xiangqian(xiangqian);
2013-12-31
(#8533824@0)
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Did you claim the capital loss in tax return to deduct the capital gain you had previously? I think they are talking 股票亏勋是否可减税. you could transfer but you can not use the loss for deduction.
-w4b(Watch for Beauty);
2013-12-31
(#8534409@0)
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why not. the security need not to be actually sold. when a security is considered disposed, it has realized gain or loss.
-xiangqian(xiangqian);
2014-1-1
(#8535434@0)
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There are also superfical loss rules to deny the loss and to add the loss back to the cost base. It is a bad strategy to transfer stocks with loss from a non-registered account to a registered account (e.g., RRSP, TFSA).If you didn't get audited, you are just lucky.
-caohe(bunny);
2014-1-2
{47}
(#8535940@0)
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觉得不可行啊,RRSP的亏损不能抵,盈利不计税,这两者是一致的。等赚了钱再转进RRSP避税,亏钱就留着冲抵,税务局不是亏大了。
-vancouverlandingh(newhere);
2014-1-4
(#8539242@0)