HELOC买Index Fund, 利息抵税，有人操作过吗 (发表于3年前)

亚洲飞鹰

最近低利息。想从HELOC取些钱出来买Index Fund, 根据加拿大税法，从loan里拿钱买产生dividend的投资， loan的利息是可以抵税的。请注意一定要是产生dividend的投资才能抵税。。我的理解是，如果我取出的钱全买特斯拉了，付的loan interest是不可以抵税的。因为特斯拉不付Dividend.

有没有园友实操过的? 我不想折腾买个股，就想整1到2只基金... 比如啥 RBC U.S. Dividend Fund, 或者 RBC Canadian Dividend Fund...

一定要做到利息抵税，谢谢大家

男人你懂的

请问是谁告诉你一定要分红的投资才可以用利息抵税的。

fangpao

loan的利息应该是都可以抵税的

eflee

楼主的说法是对的

eflee

Where money is borrowed, the use of the money must be established and the purpose of that use must be to earn income. Borrowed money used to acquire a life insurance policy or property the income from which would be exempt will not qualify. The term use refers to the current use of the borrowed money and in certain situations may include indirect use. Where an amount is payable for property acquired, the property must have been acquired for the purpose of earning income (other than exempt income or to acquire an interest in certain life insurance policies).

eflee

RBC

Capital gains

It is important to note that capital gains are not considered to be income for tax purposes, so interest resulting from borrowing to generate capital gains alone will not be deductible. For example, interest on money borrowed to purchase a piece of art as an investment, would likely not be deductible.

MyLuckIsBack

eflee 写道:

Where money is borrowed, the use of the money must be established and the purpose of that use must be to earn income. Borrowed money used to acquire a life insurance policy or property the income from which would be exempt will not qualify. The term use refers to the current use of the borrowed money and in certain situations may include indirect use. Where an amount is payable for property acquired, the property must have been acquired for the purpose of earning income (other than exempt income or to acquire an interest in certain life insurance policies).

给个链接仔细看看？

wukalung

错消息真是害惨很多人。。。。

引擎

运气不错，今天指数大跌正好进场

亚洲飞鹰

男人你懂的写道:

请问是谁告诉你一定要分红的投资才可以用利息抵税的。

我的理财顾问