g**y 发帖数: 983 | 1 //nod
for both condo and house, you need pay
property tax, normally 1% of the house value
maintainence/tools, at least $50-100/month
For house, you need pay
Water, 1.X/M3 depends on city
Electricity, 0.1/KWH for ontario,normally 15-20 KWH/day
Gas, 100-200/month, depends on the house size and the temprature you set
for Condo, you need pay
Condo fee, start from 100 for a new condo, to 500-800 for an old one | xt 发帖数: 17532 | 2
No. 主要是买HMHC或GE Capital (看银行是用的哪个mortgage
insurer了) 的mortgage insurance. insurance premium为:
5% down, 3.75% of borrowed amount
10% down 2.5%
15% down, 1.5%
20% down, 1.0%
25% down, 0.6%, optional (usually waived by the bank).
insurance premium在Ontario要交GST | xt 发帖数: 17532 | 3
刚开的TD Waterhouse self-direct basic, 管理费$25+PST每年.
我找了一圈,这是最便宜而且实用的了.那里可以买各种所谓的Butique
funds.这些funds需要的minimum investment高,一般至少$5000.但是
performance没得说.
你如果风险承受能力比较大,我推荐Sprott Canadian Equity.
还有对承受能力中等的我推荐Sceptre Income Trust.
你可以到theglobeandmail.com去查mutual fund | xt 发帖数: 17532 | 4
Sprott Canadian Equity已经close.不接受新客户.
他们说明年1月4日open.所以我现在已经把我的RRSP转
到TD等着他们open我马上进去.在TD, sprott是no load
(虽然sprott本身是FL).
Sceptre是no load.
【在 g**y 的大作中提到】 : //nod : for both condo and house, you need pay : property tax, normally 1% of the house value : maintainence/tools, at least $50-100/month : For house, you need pay : Water, 1.X/M3 depends on city : Electricity, 0.1/KWH for ontario,normally 15-20 KWH/day : Gas, 100-200/month, depends on the house size and the temprature you set : for Condo, you need pay : Condo fee, start from 100 for a new condo, to 500-800 for an old one
| xt 发帖数: 17532 | 5
在任何时间你的总rrsp contribution不能多于你的总quota.记住这个就
行了.我建议你开个TD waterhouse的帐户.那里的很多MF增长率高(不是TD
MF).连Bond fund都有7-8%一年. |
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