TFSA免税账户的小窍门

amywhite

Manage TFSA before year-end

Setting up a TFSA should be a no-brainer. Any income earned inside the TFSA will be sheltered from tax, so consider holding your highly taxed fixed income investments there. Make this change before year-end to save tax in 2014. And if you’re thinking of making a withdrawal from your TFSA in the near-term, consider doing this before Dec. 31 since amounts withdrawn are not added to your TFSA contribution room until the calendar year following the withdrawal. So, if you make a withdrawal on or before Dec. 31, you could recontribute those dollars as early as Jan. 1, 2014, but if you wait until Jan. 1 to make the withdrawal, you won’t be able to recontribute until 2015.
如果您最近要从TFSA账号取钱应急，最好在2013年的年底之前提取。明年2014年1月1日以后，您可以再将其存入TFSA账户有效避免over contribute的罚款。