Canada

내년 1월1일부터 최고 $5,000 까지 투자금에 대한 면세 시작

작성일 2008.12.30 23:37

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캐나다 정부는 지금의 어려운 금융정국을 타개하기 위해서 보증투자증서, 채권, 뮤추얼 펀드 및 증권에 투자된 금액에 대한 세금을 면제한다고 합니다.

자세한 내용은 아래를 읽어 보시기 바랍니다.

Tax-free havens begin Jan. 1

Canadians can start growing a tax-free nest egg in the new year that a national tax watchdog hopes will act as a cushion in tough financial times.

Starting Jan. 1, Canadian adults can save up to $5,000 of after-tax dollars in an investment account. Earnings will not be subject to income or capital gains taxes but, unlike an RRSP, the money invested is not tax deductible. Up to $5,000 can be invested in guaranteed investment certificates, bonds, mutual funds and stocks.

The Harper government unveiled the Tax-Free Savings Accounts in the 2008 budget, and has some economists worried Canadians will save their money at a time when spending could help stimulate a troubled economy.

Scott Henning, director of the Canadian Taxpayers Federation, disagrees and said the account is a smart decision that could help grow Canadian businesses. Since people have the option of investing in stocks, Henning said it will help put money back into Canadian companies and grow their profits.

Henning said people who save money will be less reliant on government assistance programs, which will act as a boost to the economy in the long run.

"The more we can encourage people to save their own money, the less reliant those people will be on government programs and taxpayers' money," he said. "They'll have a nest egg of their own."

Crosstown Civic Credit Union marketing co-ordinator Donna Strutinsky said there's been steady interest in the new tax-free savings accounts, with calls coming in nearly every day for the past month from people hoping to have an account ready to go for Jan. 1.

"Actually, there's quite a few people opening them up in advance," Strutinsky said.

The tax-free accounts can't be opened by phone, she added, and people interested in opening a new account must either come into their branch to sign the correct form, or mail in a signed form.

CIBC World Markets economist Benjamin Tal says once the tax-free accounts debut they will slowly gain popularity because the tax savings will motivate Canadians to put money in places that'll benefit them in the long run.

"One of the reasons why this recession is becoming so painful is because of the fact that the savings rate was zero," Tal said.

But Chyanne Fyckes, chief investment manager at Stone Asset Management, questioned the timing of the new TFSAs "when you really want people to be out spending" to boost the economy.

Henning said the tax-free savings will be the one positive in a year with only minor savings for taxpayers.

Meagre increases in income tax savings will be offset by increases in employment insurance and Canada Pension Plan, Hennings said, leaving most Canadians to "tread water."

Canadians who make more than $42,000 can expect to pay $21 more a year for employment insurance and $70 more per year for CPP. Henning said it's the first time EI has been increased in the last 15 years, which was likely prompted because of government concern over rising unemployment.

'They've been overcharging Canadians for the past decade for EI premiums and paying out a small percentage of that," he said. "Maybe they're really worried there'll be high levels of employment and that's why they're doing it."

Overall, Manitobans will see slight tax relief -- ranging from $87 to $449 -- but still pay more tax than their Canadian counterparts.

--with files from The Canadian Press, Lindsey Wiebe

jen.skerritt@freepress.mb.ca

Money in your pocket

What you will save with tax cuts next year:

Single person earning $15,000: $87

Single person earning $35,000: $97

Single person earning $45,000: $94

$45,000 family with two children: $353

Single person $60,000: $194

$60,000 family with two children: $403

Single person earning $80,000: $216