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小 发表于 2010-7-30 19:12 显示全部帖子
引用：“任何数额的TFSA取款都可在将来重新存入该账户内，而不会降低你的购买限额。比方，你现在从你的TFSA中取出了$10000，同年的一个月后，你可以如数将$10000存回这个账户，这个数额不会算入你今年的$5000的购买限额内。”
关于这一条请参考CRA网站正解：
Note You cannot contribute more than your TFSA contribution room in a given year, even if you make withdrawals from the account during the year. If you do so, you will be subject to a tax of 1% of the highest excess TFSA amount in the month, for each month you are in an excess contribution position.
Example 1
In 2009, Sarah contributed $5,000 to her TFSA. In 2010, she makes another $5,000 contribution to her TFSA. Later that year, she withdraws $3,000 for a trip to Europe. Unfortunately, her plans change and she cannot go. Since Sarah already contributed the maximum to her TFSA earlier in the year, she has no TFSA contribution room left. If she wishes to re-contribute part or all of the $3,000, she will have to wait until the beginning of 2011 to do so. If she re-contributes before 2011, she will have an excess amount in her TFSA and will be charged a monthly tax of 1% on the highest excess TFSA amount for each month that an excess exists in the account.
source from:http://www.cra-arc.gc.ca/tx/ndvd ... i/wthdrwls-eng.html
你只要是当年从TFSA中取了钱，无论是过了几个月，只要还是同一年，如果你把这笔钱再放回TFSA的话，都会算作是当年的contribution。今年6月的时候，CRA已经给全国超过7万购买TFSA的客户发出了罚款信，他们中多数都是犯了这个在同一年内反复存取的错误才给罚款的。
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银行账户信息，定存投资，个人贷款，房屋贷款。如果你想得到更多的咨询或更快的回复，可以给我来电或email:
Lina Feng 冯莉娜
Financial Services Manager
Bank of Montreal
Tel:（250）405-2181
lina.feng@bmo.com
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