The best cash-alternative ETFs 2024

闲云野鹤

https://www.moneysense.ca/save/i ... h-alternative-etfs/

https://www.savvynewcanadians.com/money-market-etf-canada/

https://milliondollarjourney.com/cash-money-market-etfs.htm


我在WEALTHSIMPLE 里买的相当于CASH的ETF是：
ZMMK
CASH
PSA
CBIL

2024-9-17 的信息：


这些ETF每月分红，但是报税时当成100% income 交税。



比如ZMMK 这个ETF， 每个月底大约是49.9， 一个月后慢慢涨到50.1， 分红0.20， 分红第二天跌到49.9。如果你有一笔资金在分红后买入49.9， 一年后你会收到12次分红，12*0.2=2.4， 相当于Yield 2.4/49.9=4.8%.
但如果你不是分红后月底买的而是月中买的50.05， 一年后你会收到12次分红，12*0.2=2.4， 相当于Yield 2.4/50.05=4.7952%.
2024-10 月底分红变成了0.17， 分红第二天跌到49.93， 如果10月底买入49.93， 一年后会收到12次分红，如果到时每月分红还是0.17， 0.17*12=2.04， 相当于Yield 2.04/49.93=4.0857%.
如果你不能拿满一年，比如就拿15天后卖掉，那时股价是50.05， 50.05-49.93=0.12， 这个是算成capital gain, 0.12/49.93=0.24%. 当然如果你月中是50.05买的.下月初49.93卖掉， 你得了0.17分红，但是capital lost 49.93-50.05=0.12.

总之这个就像一个高息存款一样，因为WEALTHSIMPLE不收手续费，所以很方便。比GIC灵活。
如果你不想按INCOME那样交税， 而是按CAPITAL GAIN那样交税，可以这样做：
1. 在EX-dividend日之前一天卖掉，比如11月27日是ZMMK ex-dividend日， 你在11月26日卖掉，50.06 或50.07. 然后11月27日重新买回来 49.91. 这样你就不会收到0.17的分红，但是有了0.15的Capital gain.这样操作会浪费2分钱，但是可以省税。





这是不同收入不同税阶买ZMMK一直拿着不卖算分红，和每月买卖算CAPITAL GAIN，交完税后最后的区别。 注意收入在52886元以下，拿分红更合适，因为每次买卖会浪费2分钱。

	price of stock	amount	No. of share	dividend	capital gain	tax rate	dividend after tax	capital gain after tax	difference	income
zmmk	49.91	100000	$2,003.61	$4,087.36	$3,606.49	20.05%	$3,267.84	$3,244.94	-$22.90	first $52,886
	49.91	200000	$4,007.21	$8,174.71	$7,212.98	20.05%	$6,535.68	$6,489.88	-$45.80	first $52,886
	49.91	100000	$2,003.61	$4,087.36	$3,606.49	24.15%	$3,100.26	$3,171.01	$70.75	over $52,886 up to $57,375
	49.91	200000	$4,007.21	$8,174.71	$7,212.98	24.15%	$6,200.52	$6,342.02	$141.49	over $52,886 up to $57,375
	49.91	100000	$2,003.61	$4,087.36	$3,606.49	29.65%	$2,875.46	$3,071.83	$196.37	over $57,375 up to $93,132
	49.91	200000	$4,007.21	$8,174.71	$7,212.98	29.65%	$5,750.91	$6,143.66	$392.75	over $57,375 up to $93,132
	49.91	100000	$2,003.61	$4,087.36	$3,606.49	31.48%	$2,800.66	$3,038.83	$238.17	over $93,132 up to $105,775
	49.91	200000	$4,007.21	$8,174.71	$7,212.98	31.48%	$5,601.31	$6,077.66	$476.35	over $93,132 up to $105,775
	49.91	100000	$2,003.61	$4,087.36	$3,606.49	33.89%	$2,702.15	$2,995.37	$293.22	over $105,775 up to $109,727
	49.91	200000	$4,007.21	$8,174.71	$7,212.98	33.89%	$5,404.30	$5,990.74	$586.44	over $105,775 up to $109,727
	49.91	100000	$2,003.61	$4,087.36	$3,606.49	37.91%	$2,537.84	$2,922.88	$385.04	over $109,727 up to $114,750
	49.91	200000	$4,007.21	$8,174.71	$7,212.98	37.91%	$5,075.68	$5,845.76	$770.08	over $109,727 up to $114,750
	49.91	100000	$2,003.61	$4,087.36	$3,606.49	43.41%	$2,313.04	$2,823.70	$510.67	over $114,750 up to $150,000
	49.91	200000	$4,007.21	$8,174.71	$7,212.98	43.41%	$4,626.07	$5,647.41	$1,021.33	over $114,750 up to $150,000
	49.91	100000	$2,003.61	$4,087.36	$3,606.49	44.97%	$2,249.27	$2,795.57	$546.30	over $150,000 up to $177,882
	49.91	200000	$4,007.21	$8,174.71	$7,212.98	44.97%	$4,498.55	$5,591.14	$1,092.60	over $150,000 up to $177,882
	49.91	100000	$2,003.61	$4,087.36	$3,606.49	48.29%	$2,113.57	$2,735.70	$622.13	over $177,882 up to $220,000
	49.91	200000	$4,007.21	$8,174.71	$7,212.98	48.29%	$4,227.14	$5,471.41	$1,244.26	over $177,882 up to $220,000
	49.91	100000	$2,003.61	$4,087.36	$3,606.49	49.85%	$2,049.81	$2,707.57	$657.76	over $220,000 up to $253,414
	49.91	200000	$4,007.21	$8,174.71	$7,212.98	49.85%	$4,099.62	$5,415.15	$1,315.53	over $220,000 up to $253,414
	49.91	100000	$2,003.61	$4,087.36	$3,606.49	53.53%	$1,899.39	$2,641.21	$741.82	over $253,414
	49.91	200000	$4,007.21	$8,174.71	$7,212.98	53.53%	$3,798.79	$5,282.43	$1,483.64	over $253,414

高息ACCOUNT和高息ETF区别：

high interest saving account: 受 CDIC保护
https://mrthrifty.ca/investment- ... -brokerage-account/

high interest saving ETF：不受 CDIC保护
https://mrthrifty.ca/high-interest-savings-etfs/