免税储蓄账户 (TFSA)

A TFSA is so much more than a typical savings account. You can hold a mix of investments (including cash, GICsGuaranteed Investment Certificates and mutual funds), and, generally, any investment income you earn is tax-free. 这意味着您可以保留100%的投资收益。¹

With a TFSA, your deposits and investments grow quickly through tax-free investing¹。通常，您不需要为账户中获得的投资回报支付所得税，也不需要为您提取的金额支付税费。

See also Question 15, What kind of investments can I hold in a TFSA?^1

A TFSA account makes sense for just about everybody. Anyone who earns taxable interest in a simple bank savings account can turn it into tax-free interest with a TFSA savings account. Whether you’re saving for travel, home renovations, your children’s education or your own retirement, a TFSA is a good idea. Tip: You can also hold other types of investments in a TFSA。

A TFSA is especially well-suited if:

• You’ve maximized your Registered Retirement Savings Plan (RRSP) contributions and want additional room for tax-advantaged savings.
• 您正在为大额消费存钱，并想在退休前使用免税储蓄。 Unlike an RRSP, you can withdraw money from a TFSA in most cases without tax any consequences. (Note: If you have already maximized your TFSA contribution, you must wait until the following year before contributing anything more to your TFSA in order to avoid penalty charges from the Canada Revenue Agency (CRA).) (See "What happens if contribute more than my TFSA contribution room" below for more details)
• 您担心投资收益会对政府福利或税务减免产生负面影响，在收入水平较高时，这些福利或税务减免将被削减或取消。这些包括老年保障(OAS)福利、保证入息补助金（GIS）和联邦高龄免税额。 Withdrawals from a TFSA have no impact on eligibility for these “income-tested” benefits.

Great question – this chart breaks things down some of the differences between a Tax-Free Savings Account (TFSA) and a Registered Retirement Savings Plan (RRSP):

我们愿意与您会面并为您做出安排。 Visit us at a branch or book an appointment to chat with a qualified BMO investment professional.

• 预约
• Call us at 1-877 CALL BMO
• 请前往您的当地的 BMO 分行

You can also open an account online.

• 达到您所在省份或居住地区的法定年龄(不列颠哥伦比亚省、纽芬兰和拉布拉多省、新斯科舍省、新不伦瑞克省、西北地区、努纳维特和育空为19岁，所有其他加拿大省份为18岁)²;
• 是加拿大居民；并且
• have Canadian Social Insurance Number (SIN)

然后您就可以开始了。预约安排开户 or open an account online.

No. Similar to other registered accounts, such as RRSPs, joint TFSAs are not allowed.

You sure can. You can open more than one TFSA, but the total contributions to all your TFSA accounts cannot be more than your total accumulated contribution room.

Ready to open a BMO TFSA? 我们随时为您效劳 马上预约。

A little background for you: TFSA contribution room accumulates each year in which you are at least 18 (at any time in the year), have a Canadian Social Insurance Number and are a resident of Canada. The TFSA contribution room for each year (since it began in 2009) is as follows:

例如： If you were 18 or older in 2009, your total eligible contribution room in a TFSA (as of 2026) would be $109,000²

The CRA will determine TFSA contribution room for each eligible individual who files an annual T1 individual income tax return. Your financial institution which holds the TFSA will report your contributions and withdrawals, so that CRA will be able to keep track of how much contribution room you have used and how much you have left.

The CRA will impose a tax of one per cent per month, for each month or part of a month that the excess contribution remains in the account. 1%的税费将继续适用，直至:

• 全部超出金额被提取；或
• for eligible individuals, when the entire excess amount is absorbed by the addition of your unused TFSA contribution room for a later year.

访问 CRA web site for more information on over-contributions.

Generally, you can withdraw any amount from your TFSA at any time, but this will depend on the type of investments held in your TFSA. 例如，如果您锁定了两年的GIC（定期存款）利率，您可能必须等到期限结束后才能取钱。

简单来说，是的，但可能不是马上。

Long answer: Any withdrawals (other than qualifying transfers) from your TFSA in a year will be added to your contribution room the following year. If you have contributed the maximum amount allowed to a TFSA and you withdraw any of your money, you must wait until the following year to contribute again—otherwise you will incur a tax penalty from the Canada Revenue Agency.

Example: In January 2022, Sophia opened her first TFSA and contributed the maximum of $81,500. 2022年6月，她提取了$7,000。Sophia最早可在2023年1月1日重新供款$7,000而不会产生罚款。

访问 CRA web site for more information on withdrawals and qualifying transfers.

Contributions to a TFSA are not deductible for tax purposes. 收益和提款均免税，且不会影响联邦低收入福利。

No. Interest on money borrowed to invest in a TFSA is not deductible for tax purposes.

Unfortunately not. Only the TFSA account holder can contribute to his or her own account. However, you could give money to your spouse or common-law partner and he or she could then contribute that money to his or her own TFSA.

Withdrawals and income earned in the TFSA are not taxable to either you or your spouse or common-law partner regardless of whose money was used to make the contribution.¹

View our BMO 满地可银行 TFSA Savings Account rates, or visit a branch to discuss our limited-time TFSA 优惠

是的！它们是：

An investment TFSA: In this TFSA, you can hold a mix of investments (including savings, market-linked GICsGuaranteed Investment Certificates, stocks, ETF（交易所买卖基金）sExchange Traded Funds and mutual funds), which can help you grow your savings. 您可以在分行或通过电话开设此类账户。

A basic savings TFSA: In this TFSA, you can hold cash in a savings account, and you can open this online.

There are no fees for contributions to a BMO TFSA. 向其他金融机构转账收取$50.00的费用。

当然可以，而且我们可以提供帮助。

You can transfer your TFSA at another financial institution to a BMO TFSA方法如下：

• 请前往您的当地的 BMO branch to complete a transfer form (find a branch near you)
• We will then send the transfer form to the financial institution that currently holds your TFSA to ensure that the transfer does not impact your contribution limit. 此项业务被称为“合法转移”。

请注意，其他金融机构可能会对该账户转移收取费用。

A TFSA is generally permitted to hold similar investments that a RRSP can hold. This includes cash, mutual funds, ETF（交易所买卖基金）s, stocks, GICs (including market-linked GICs) and bonds. We can help you think through the best option for you, and direct you to the appropriate BMO partner if you are looking for an investment option we cannot offer in the branch.

Think of it as a savings and investments 'bucket.' You can fill it with a mix of investments that align with your goals – whether it’s saving for a trip, renovating your home, or putting money away for a rainy day.

实际上，这取决于您的投资目标(您是为短期、长期还是两者兼顾而存钱?)和您的风险承受能力。 A TFSA should be part of an overall financial planning strategy that takes assets, liabilities, goals, income needs, risk and tax into consideration.

坐下来和我们谈谈您的最佳投资组合。 预约以了解更多详情。