Tag
investing
3 posts
- Does Canada really have no estate tax? The real gap between the two countries' death taxesCanada has no estate tax but it has deemed disposition: every unrealised gain is taxed at once on the final return, and an RRSP is included at 100%. The US has step-up in basis and a $15 million exemption. Four household scenarios with the bill worked out, plus a trap few people know about: a Canadian holding more than $60,000 of US stocks has a US estate-tax filing obligation.
- Hong Kong participating insurance, taken apart: structure, commissions, sales scripts, and how it compares to just investingThe guaranteed part is about 1%; the illustrated 6 to 7% only approaches after twenty or thirty years, and break-even usually takes 15 to 20. First-year commissions once reached 100% of first-year premium. It does not escape CRS reporting and is not a compliant way to move mainland renminbi offshore. All of that laid out, then compared with term life and an index fund.
- The Coca-Cola "Dividend Arbitrage" Is an IllusionBuy before the ex-dividend date, sell after, and pocket the dividend for free? The price drops by the dividend amount on the ex-date. The people claiming they made a thousand dollars in a few days made it on the share price — and the post is usually an ad for tokenized stock.