[KCL]

讓銀行幫你投資不一定賺錢 ~

他們都會叫你分散風險 ~ 長期投資 ~

短期投資要賺大錢是很難的 ~ 他們也不建議 ~

銀行收的費用好像也不少 ~ :shrug:

假如我沒記錯的話 ~ 利息收入 100% 要報稅 ~

投資收入好像只要 50% 要報稅 ~ :)


我是你的話 ... 會拿一部分錢換美金 ...

一部份投資房地產 ...

一部分買股票 or mutual funds ...

都是長期投資就是了 ... :)

[skylinelin]

讓銀行幫你投資不一定賺錢 ~

他們都會叫你分散風險 ~ 長期投資 ~

短期投資要賺大錢是很難的 ~ 他們也不建議 ~

銀行收的費用好像也不少 ~ :shrug:

假如我沒記錯的話 ~ 利息收入 100% 要報稅 ~

投資收入好像只要 50% 要報稅 ~ :)


我是你的話 ... 會拿一部分錢換美金 ...

一部份投資房地產 ...

一部分買股票 or mutual funds ...

都是長期投資就是了 ... :)

yeah, we have to report only 50% on stocks profit. Actually buying stocks doesn't totally equal to "Risk", such as "Coke", "Microsoft", "Intel" or "Ebay", these famous and steady stocks are absolutely considering a long term investment. I dealed with charter banks before, while every financial advisor tells me that Mutural Funds are safe, my current package value is only 50% left :cry: . Of course, there is a way to earn profit without any risks, that is put all of your money to a long term saving, however, 100% tax reporting on the interest. Anyway, I am quiet seriously to share my experience, that is what the financial advisors concerning at the moment of they provided professional advises, it is not your return for sure, I feel they are 99% concerning the bank's benefits. You know what? many of Mutural Fund advisors they don't buy mutural funds for theirselves but stock combinations.

[chodo]

在次謝謝大家的意見跟指教...相信集思廣義對大家都有益處的..


首先...我不建議大家換美金..現在美國受通膨壓力拖累...戰爭成果不明朗...總統選舉也剛開始...美元的前景目前不太樂觀阿...還有再跌的趨勢...(Mr. Buffett also points that out)

關於房地產倒是不錯的選擇...雖然房價節節升高...但是貸款利率低...但是我錢不夠.. :cry: ...做利潤投資我覺得至少要有150萬...

現在銀行的GIC...真的可以不用考慮了...利息都1%出頭而已...買mutual funds比較合

賺快錢真是不容易阿...

[藍色的麵包]

thanx for your info bro :) ...do you have any investment with ing安泰?

it's not bank based and no branches at all...kind of risky..but its rates are for sure much higher

ING group is the 17th largest company in the world. 2nd largest financial group after citigroup. None of the canadian chartered banks is even close to it. Risky???

[藍色的麵包]

在次謝謝大家的意見跟指教...相信集思廣義對大家都有益處的..


首先...我不建議大家換美金..現在美國受通膨壓力拖累...戰爭成果不明朗...總統選舉也剛開始...美元的前景目前不太樂觀阿...還有再跌的趨勢...(Mr. Buffett also points that out)

關於房地產倒是不錯的選擇...雖然房價節節升高...但是貸款利率低...但是我錢不夠.. :cry: ...做利潤投資我覺得至少要有150萬...

現在銀行的GIC...真的可以不用考慮了...利息都1%出頭而已...買mutual funds比較合

賺快錢真是不容易阿...

Yeh the one year rate for GIC in most banks is a little more than 1%
However if you go for 5 year, the rate is a little higher than 3%, which is still shit IMO, the inflation rate is higher than that. lol

By the way, check out PC Financial
http://www.banking.pcfinancial.ca/en...eferid=sideNav

Their 1 year GIC rate is 1.6%, it's not bad compared to other chartered banks. It's backed by CIBC, so shouldn't worry too much about risk

Also, the Feds is gonna raise the interest rate soon. Experts predict that the interest rate is gonna keep rising to stabilize the current booming rate of inflation. So stay tuned and see what Greenspan has to say :biglaugh:

I think it's good time to buy some real estate now while the interest is still low if you can get a fixed-rate mortgage. The rising interest rate is probably gonna have a negative effect on the stock market. But who knows what'll happen in the long run :shrug:

As for US currency. China imports a lot from the US lately, that'll only drive up US dollar. But yeh, the situation at Iraq and Bush's stupidity makes things kinda unpredictable

[chodo]

ING group is the 17th largest company in the world. 2nd largest financial group after citigroup. None of the canadian chartered banks is even close to it. Risky???

haha...sorry~~ 在下是孤陋寡聞了......coz i only hard of ING from TV commercials

[藍色的麵包]

haha...sorry~~ 在下是孤陋寡聞了......coz i only hard of ING from TV commercials

haha, i didn't know they were that big either
i just looked it up on Fortune and was pretty surprised too :biglaugh:
I thought the 2nd largest would be like Chase Bank

[chodo]

too bad ING doesn't have the half a year GIC (just got some info over the phone) .... :cry: :cry: :cry:

the rates are dropping gradually everyday...man...it's killing me...:shakeagnr

[藍色的麵包]

too bad ING doesn't have the half a year GIC (just got some info over the phone) .... :cry: :cry: :cry:

the rates are dropping gradually everyday...man...it's killing me...:shakeagnr

I don't know about Canada, but the interest rate in US is expected to rise very soon. If you've got extra money in hand, buy some stocks. The interest rate for GIC is far lower than the rate of inflation, so you're actually losing money over time. Well if you don't wanna take the risk, just buy some stable growth funds or whatever. I personally think it's not a good idea to put your money in a bank(eg. CD, GIC, etc.) when the economy is booming.

[chodo]

I don't know about Canada, but the interest rate in US is expected to rise very soon. If you've got extra money in hand, buy some stocks. The interest rate for GIC is far lower than the rate of inflation, so you're actually losing money over time. Well if you don't wanna take the risk, just buy some stable growth funds or whatever. I personally think it's not a good idea to put your money in a bank(eg. CD, GIC, etc.) when the economy is booming.

that's right bro! i have made my mind...to transfer all the money to an ING account...at least the interest rate is 2.50% for the Investment Savings Account (ISA)!

thanx for your info about ING...unfortunately...The Fortune Magazine website doesn't allow people to see the top company list for free ...well..i will have to goto the library to check out those free magazines when i got free time...