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最优利率和cashback可以申请特批，好信用好收入offer更好。请点链接扫码加微信咨询，Scotiabank -- Nick Zhang 6478812600。

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最优利率和cashback可以申请特批，好信用好收入offer更好。请点链接扫码加微信咨询，Scotiabank -- Nick Zhang 6478812600。

Yield Rate是跟当时的最高利率变化的，不同于年化利率。引文是红旗论坛上的人的回答。链接显示现在的Yield Rate是4.94%

rainclear(雨澄)

cash ETF don't have capital gains, they pay dividends, which are taxed at a regular income tax rate. No different from savings account interest.
Horizon's cash.to has MER 0.11% Hence you take their published yield 4.94% (dividend rate), substract 0.11% MER = 4.83% is their current "interest rate" (minus trading fees which are zero if using Wealthsimple or NBDB)
Which is not bad considering you save the hustle of moving money around every few month IF they keep their yield/"interest" competitive
They had ~2%-4% throughout 2022

https://horizonsetfs.com/ETF/cash/

(#15403234@0)
Last Updated: 2023-5-7
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枫下家园 / 钱财税务 / [Targeted][YMMV]Simplii又有5%的Savings Rate了，到2023-08-31。适用于Savings，TFSA，RRSP等账户。For Existing Customers。 -rainclear(雨澄); 2023-5-2 (#15392093@0) +1

这个需要跟银行谈，还是不用谈人人都可以？我在网站上没有看到，谢谢 -flyoverthesea(海风随意吹); 2023-5-3 {208} (#15393606@0)

:

by invitation only i think -canadiansnow(too much); 2023-5-3 (#15393619@0)
By invitation only and new deposit only. A new customer can get 5.25% though. -rainclear(雨澄); 2023-5-3 (#15393738@0) +1

这个已经过期了 -littlesquirrel(贪吃的松鼠); 2023-5-3 (#15393821@0)

等几天 -rainclear(雨澄); 2023-5-3 (#15393833@0)

估计是预估下次会加息 -**🦐; 2023-5-3 (#15393859@0)

同感。----发了后发现和你都是大“虾”（侠）😅 -**🦐; 2023-5-4 (#15395907@0)

最好先取出再接受然后存入 -torontospy(Spy); 2023-5-4 (#15395881@0)

诸多限制。我有一笔大的转入没算，CSR都不太懂，约了supervisor要 3-5工作日。如果月底发现和自己估计的利息有较大出入要尽快解决否则白存了。 -yuzipipi(玉子皮皮); 2023-5-4 (#15395932@0)

他家的Bonus Interest要在Promotion结束后两到三周才一起给。Tangerine是当月结算。 -rainclear(雨澄); 2023-5-4 (#15396030@0)

我说的是tangerine。simplii确实是到期以后给，少了复利。 -yuzipipi(玉子皮皮); 2023-5-4 (#15396040@0)

是的。说得不好听，Simplii有些鸡贼。 -rainclear(雨澄); 2023-5-4 (#15396188@0) +1

T在给你bonus rate的时候，把你的存款余额做了锁定，只有之后的增量资金才能享受bonus rate。 -xjcjq(rufeng); 2023-5-4 (#15396210@0)

我知道这个，我当时只留了1分。是另外一个复杂的和joint有关的case，它们的系统有问题，CSR不愿意承认，supervisor 要介入。 -yuzipipi(玉子皮皮); 2023-5-4 (#15396257@0)
S也一样,我上月底忘了把前转出来了,给我这个OFFER没有用了 -littlesquirrel(贪吃的松鼠); 2023-5-4 (#15397704@0)

新存入才算。有次被它坑了，以为帐上所有存款都是那个利息。结果结束后发现原有存款还安以前的利息算。 -hah(HelpEach); 2023-5-4 (#15396228@0)

他家一直这么干 -jtax(吾土吾民-略过匿名贴); 2023-5-6 (#15401241@0)

搞清楚游戏规则了以后就可以避免。 -rainclear(雨澄); 2023-5-6 (#15402352@0)

Simplii的不好，promotion网银看不到，几个月后早忘了当初什么利率，到什么时候。tangerine这点做的很好 -akoei(停车**枫林晚); 2023-5-4 (#15397137@0)

我现在正在尝试买些CASH.TO。似乎更方便。 -rainclear(雨澄); 2023-5-4 (#15397245@0)

CASH.TO年化收益率好像只有3.6% -zzjiang(寒江雪); 2023-5-6 (#15401236@0)

Yield Rate是跟当时的最高利率变化的，不同于年化利率。引文是红旗论坛上的人的回答。链接显示现在的Yield Rate是4.94% -rainclear(雨澄); 2023-5-7 {795} (#15403234@0) +1
cash ETF don't have capital gains, they pay dividends, which are taxed at a regular income tax rate. No different from savings account interest.
Horizon's cash.to has MER 0.11% Hence you take their published yield 4.94% (dividend rate), substract 0.11% MER = 4.83% is their current "interest rate" (minus trading fees which are zero if using Wealthsimple or NBDB)
Which is not bad considering you save the hustle of moving money around every few month IF they keep their yield/"interest" competitive
They had ~2%-4% throughout 2022
https://horizonsetfs.com/ETF/cash/

tangerine和别的银行关联也很方便 -littlesquirrel(贪吃的松鼠); 2023-5-4 (#15397714@0)

是，simplii加个external link麻烦到家了 -jtax(吾土吾民-略过匿名贴); 2023-5-6 (#15401243@0)
EQ Bank，WealthSimple更方便。Tangerine只能连三家。 -rainclear(雨澄); 2023-5-6 (#15402355@0)

它家的小额存款利息只有0.4%。新存的才有5%的利息。 -samedayrightaway(赶路一族); 2023-5-4 (#15397762@0)

@Las Vegas

Yield Rate是跟当时的最高利率变化的，不同于年化利率。引文是红旗论坛上的人的回答。链接显示现在的Yield Rate是4.94%

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