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枫下家园 / 钱财税务 / Manulife bank offers 3.00% interest for TFSA or RRSP account on new deposit to 2016, May 31
-jonathanlee2000(七剑);
2015-12-1
(#9804709@0)
+1
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for how long?
-jameschen6(梦想农庄-神爱世人);
2015-12-7
(#9813293@0)
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2016, May 31
-ltndsy(Joanna);
2015-12-7
(#9813363@0)
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How long can they provide 3.0% interest for the deposit you make before May 31, 2016?
-jameschen6(梦想农庄-神爱世人);
2015-12-7
(#9814605@0)
+1
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不是只到5月31号吗?
-ltndsy(Joanna);
2015-12-10
(#9821625@0)
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how to open an account?
-a_su(a_su);
2015-12-8
(#9815572@0)
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详细介绍见link,但好像不能直接在网上开户,需要manulife的经纪来帮客人申请开户。如果愿意的话可以PM我来开户。
-jonathanlee2000(七剑);
2015-12-8
(#9817419@0)
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It is clear enough to my question:3.00% interest rate through May 31, 2016 on every new dollar deposited to a Manulife Bank Tax-Free Advantage Account or Registered Advantage Account by March 15, 2016.1
-jameschen6(梦想农庄-神爱世人);
2015-12-9
{168}
(#9819106@0)
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如果是钱已经定好几个月后就要用,那这个账户还可以。 要是有三到五年的投资周期,那不如开mutual fund账户。
-jonathanlee2000(七剑);
2015-12-9
(#9820478@0)
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By what MF for next 3-5 years? be specific?
-dcbmj(dcb);
2015-12-10
(#9820731@0)
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那要看市场的情况决定什么时候买什么MF了。我的意思是总体来说,saving account的长期回报比较低,虽然没风险,但一般情况下不应当老把钱了老放在saving account里,
-jonathanlee2000(七剑);
2015-12-10
(#9821659@0)
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My point is 3 or 5 years is too short, I only recommend 20 years+; I mean if you say 3-5 years you may know something I don't know, for example specific market specific sector.
-dcbmj(dcb);
2015-12-10
(#9821722@0)
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BTW, rrsp is dead money, what can you do after May 31? stay in ML for low interest rate?if you want to transfer out you need 50$ transfer fee, not even cover the increased interest rate.
if you wish to cash out you lose the room. and pay withholding tax ahead.
BTW, if TFSA end with Nov 30 that's more attractive.
this means I can transfer in DEC to a cash account then I can by TFSA next year.
But it only ends May 31, so the money has to lock in 7 months is not optimal.
-dcbmj(dcb);
2015-12-10
{392}
(#9820738@0)
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好事还能让你碰上, LOL.
-james4rn(james);
2015-12-10
(#9820799@0)
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优惠结束后可以关掉账户或把钱转出来。关掉账户或转钱出来都是免费的。Manulife TFSA和RRSP账户都这样。
-jonathanlee2000(七剑);
2015-12-10
(#9821618@0)
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1w几个月的利息才百来块,比别家可能就多几十。
-vicky2005(孩子她爹);
2015-12-10
(#9821694@0)
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really? even transfer RRSP to another financial institution free? I never heard of that.
-dcbmj(dcb);
2015-12-10
(#9821719@0)
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只有五大银行transfer registered account要收费, (有的银行还收账户管理费)。online bank和mutual fund投资公司(比如Fidelity)这些都是免费的。
-jonathanlee2000(七剑);
2015-12-10
(#9821734@0)