Investing in Smart Beta

Interest in “smart beta”, or “strategic beta,” has grown rapidly in popularity over the past decade.  This interest has led fund companies to introduce hundreds of smart beta funds, giving investors a wide range of options for integrating the smart beta concept into their portfolios.

As with any investment, though, investors should have an understanding of what smart beta is and how it works before determining if smart beta can help them achieve their investments goals.

investing

Smart beta is based on the more comprehensive factor investment strategy, which has its roots in the discovery of various attributes, or factors, of stocks that help explain their returns.

The first factor identified was the well known CAPM Beta.  Developed by Willian Sharpe in the 1960s, CAPM is an equation that calculates the expected return of an equity based on a measure of risk called Beta.

Re  =  βe  x  ( Rm – Rf  )  +  Rf

Where

Re is the expected return of the stock in question

Β is the Beta of the stock in question

Rm is the return of the market

Rf is the risk free rate of return

In CAPM, the higher the Beta, the greater the return of the security.  And since Beta is a measure of the risk of a security compared to the risk of the market as a whole, CAPM can be distilled to “higher risk, higher return.”  The first factor, then, is risk as measured by Beta.

A number of other factors have since been identified.  In the 1990s, Eugene Fama and Kenneth French developed the Fama-French Three Factor Model.

This model identified value and size as new factors along with Sharpe’s Beta and was the result of research which showed that small companies (size factor) and companies with lower valuations compared to those of their peers (value) tended to outperform over time.

Other asset pricing models using these and newer factors, such as the momentum and quality factors, have been developed since then.

There are now hundreds of funds that target these factors.  Most will target one individual factor, but other may take a multi-factor approach.  They all allow investors to target specific segments of the market which have outperformed historically without investing in expensive, actively managed funds.

This is not to say that investors should just blindly invest in smart beta funds.  Investors should do their research to understand the risks involved and should be mindful of their investment goals before adding these funds to their portfolios.

With the rapid growth of the smart beta segment, it is easy to find differences in factor definitions between funds.  For instance, some funds may have a higher valuation threshold for size than others, so two size targeted funds may have different makeups, even if the stock universe that they pull from is the same.

Sometimes terms can be different between funds, with momentum occasionally called “trend,” and “quality” and “profitability” being interchangeable in some cases, but not in others.

In addition, newer, less well-known factors may have much less research behind, them and some of the more established factors may have actually underperformed in recent periods.

Understanding exactly what you are investing in is as important as ever with smart beta funds.  Take the time to know both the factor and its history and how the fund uses that factor before making an investment.

Smart beta funds are generally considered passively managed funds, but while index-based fund holdings are according to market weight, smart beta funds are a bit more complex.

Weighting is done to target factors, and some funds will use screens to filter out more than just their factors screens would allow.  Each fund develops its own set of rules to determine how to best target a certain factor.

Comparing smart beta funds to a benchmark can be difficult as well, as they tend to pull from all areas of the market when targeting a specific factor.  Performance will likely vary widely from common market benchmarks such as the S&P 500.

Diversification can also be an issue when investing in smart beta funds.  Despite data showing long term outperformance, individual factors can go though years long periods of underperformance.  Targeting just one factor in a portfolio can decrease diversification, increasing risk unnecessarily and adversely affect returns if that factor’s performance falters.

In addition, targeting some factors can leave you overexposed to certain market segments.  The low volatility factor, for instance, can overweight the utility sector.  If you’re already invested in that sector through other strategies, targeting the low volatility factor can increase risk in your portfolio.

As with asset class strategies, returns from smart beta tends to be driven by returns from a few well performing companies.  Its important to ensure that your smart beta investments are well diversified within an asset class as well as across asset classes to avoid missing out on returns from that handful of companies.

Don’t forget to pay attention to the cost of your investment.  Because smart beta focuses on easily definable metrics, smart beta funds are generally fairly inexpensive, but they are not as cheap as index funds.

Furthermore, turnover in a smart beta fund may be higher, especially with a shorter-term factor such as momentum.  Higher expenses can quickly eat up any outsized returns a fund generates, so it is critical to be aware of how much these funds cost to invest in.

Finally, don’t lose sight of your investment goals.  When a hot new strategy comes along, its easy to be tempted to go all in chasing returns and expose your portfolio to unnecessary risk and expense.

Take the time to evaluate the smart beta strategy and understand how integrating it into your portfolio will align with your financial plan and help you achieve your investment objectives.

Ways to Solve Your Financial Emergency Situations

A survey revealed that the possibility for a couple to divorce when it fights about money every week is more than 30 percent.

And money stress is mainly responsible for its unhappiness.

It may be difficult for you to learn how to solve your financial emergencies but you will be more financially secure and happier when you develop the ability to do so.

Financial Emergency Situations

Being strict in budgeting

You will be able to know where and how to reduce your expenditure as soon as you understand your financial situation and how you are approaching it.

Part of this approach is for you to have a very rigorous budget, which you may find extremely difficult to adapt.

However, this budget helps in giving you peace of mind and providing security as compared to when you fail to plan. You will not scramble to try to survive because an expense will not surprise you if you know your expenses and bills.

Saving and investing

When you incur unexpected expenses such as medical bills and car repairs, you should have an emergency fund because it helps in providing extra security and enabling you to feel prepared.

According to a currency.com review, more and more people are now indulging in trading assets like stocks, commodities, cryptocurrencies, and forex due to the possibility to make huge returns.

This not only provides them the financial security but also the best help when in financial emergency situations.

If you are really passionate about trading and investing in such markets you should definitely learn the pros and cons of it before you dive into it.

Communicating with your partner

This applies to marital financial stress and it requires you to be deliberate in expressing your concerns and to stay open with your partner because it is very important in helping you to alleviate stress.

If you have problems, you should not hide important details from each other and instead, you should solve them together because this is a much healthier way of approaching your finances.

You should be clear when it comes to your understanding and values regarding money.

Benefits of Getting The Best Financial Consulting And Tax Services

If you are looking out for service to take care of your taxation matters then the best option for you is to hire the services of tax consultants as they are very much experts in the field of tax.

It is their job to take into consideration all the taxation matters. Thus it is a beneficial decision for you to hire professional services so that you can focus on the other business activities.

tax service

Taxation matters and laws vary frequently, especially for the US ex-pats so keeping track of the same is not always possible for the layman.

Hiring a consultant makes your work a lot easier as he knows the tax law very well and thus easily understands it.

Also, they help you deal with all the IRS Streamlined Compliance Procedures very well so that you do not face any issues later.

Hiring the right consultant saves you from being deceived.

A tax consultant can guide you regarding reducing your tax amount. The methods that these experts suggest you are in accordance with the government rules and regulations.

After you decide to hire their services the next thing you have to do is searching out for the right consultant.

It is extremely vital to opt for the right consultant as all your tax-related work will completely depend upon the consultant you choose.

Also, make sure that the person you are planning to hire has the authority to carry out the tax-related work otherwise there are chances of you getting deceived by the fraud people.

The fee charged by the tax consultants varies considerably. Most of them will charge a flat fee chiefly for the preparation purpose.

Some will charge their fee based upon the time they spend on a project. These people are very useful at the time of an audit.

Tips for Making Money Online for Free While Sleeping

If you are really excited about making money online for free through blogging you are at the right place.

If you are dedicated and passionate about it, just by following simple steps you can now start earning loads of money from your own blog or a website.

Tips for Making Money Online

When I first started to blog using the free blogging platforms like Blogger, I had no idea where my interest would lead me to. I’ve always blogged for fun, and initially, like most of you, I had no idea that a good amount of money can be made out of this activity which I just love to do.

I started a blog and just shared my blog’s link to my friends, colleagues, relatives, and more and more people whom I know, just to make them read my ideas. They really enjoyed reading them and complimented my work and creativity.

I was not having an idea of what it can result in the near future for me. The fact I realized that people can earn a living out of blogging.

Not only blogging but also there are few other ways by which you can make some handsome amount of money online.

This is like starting a channel on YouTube. Although making money online for free out of YouTube takes some time. You need to concentrate on your goal by feeding your channel with some unique and good content/videos regularly.

There are many helpful videos and guides available that can help you know the process in detail when it’s about how to get paid on youtube. You can check them out and follow the tips for getting faster success.

Gone is the time when people have to do their 9 to 5 jobs. Today it is the time of the internet and you can let technology work for you to earn money through blogging and making YouTube videos.

Imagine how it would feel to wake up each morning, go to your computer, and check how much money you made while you were sleeping. It’s a really nice situation to be in.

Le Rues Chaitner & co LLc

Le Rues Chaitner & co LLc Will Give Us a Quick Rundown On The  Economic Indicators In the Current Market Value With Toronto And Northern Ontario Since 2019 And Currently With The Novel Coronavirus -Covid -19

Just like every other real estate natatorium investors we at le rues chaitner & coLLc started The Year very obdurate after a conservative summer in 2019 .

 

The Hottest Time For Real Estate In Toronto

February was the hottest time for real estate in Toronto since 2017.

Exciting Schemes And Relaxed Payment Options

Le Rues Chaitner & co LLc  has perceived that Toronto And Northern Ontario Developers are also offering exciting schemes and relaxed payment options to make it easy for homebuyers to invest in their dream homes.

At le rues chaitner & co their are commodious combination of exciting offers and lower interest rates would make investing in residential properties advantageous located particularly in the Gta Area North of Toronto

Fortunately, domiciliary real estate are drawing very phlegmatic values in Toronto, and in other Greater Toronto Area cities such as brampton, According to the Greater Toronto Home Builders Association, the high living strangers seeked by buyers today in the market are extraneous, benevolent with the economic conditions of an global deterioration pandemic , current in the growing supply of condominium buildings, we found that developers of urban infill residential housing achieving returns in the 7%— 21% range as per https://renx.ca/core-development-group-measured-growth-mode ,with property at that prices that are ,particularly  to invest and regain with the  sale of residential properties, However, it is often beneficial to obtain pottery in toronto in particular .

Prices of residential properties have mostly remained stagnant in the last 5-6 years across the candain real estate market , making the just mere reach of customers.

The current market conditions are conducive for home buying as the home loan interest rates are at an all-time low.

Why Are The Interest Rates Low During COVID -19 ??

A decrease in home loan interest rates due to  post COVID -19 pre measures in the canadain real estate market due to the fact pertaining to the measures this typically has become a big trigger for end-users to buy a home in the GTA with the Bank of Canada holding  rates steady, four the 3 months global novel pandemic covid 19 currently The central bank now expects GDP to decline between 10 and 20 as per the historically low mortgage rates currently in the market are here  due to 2.45 per cent, has made variable rates lower and mortgages more affordable.

Currently the prime rate in variable mortgages are lower than ever ,for reasons pertaining to the economic uncertainty the banks given goals are to give low interest rates that have an end tail with levels that are higher than when the crisis began.

The real estate industry will evolve and adapt to ‘the new normal’ through digital transformation.

Many developers are experimenting with newer technologies to improve the experience of their customers.

They can now seamlessly experience an intuitive journey: from awareness to purchase on the company website from the comfort of their homes.

For buyer’s convenience, developers have started to create hassle-free digital platforms to buy a home without the need to visit the actual site.

Everything is moving online, search and discovery is easy, as apartments can be booked online.

We at le rues chaitner & co LLc use State-of-the-art AR/ VR tools also allow homebuyers to take a virtual tour of the topographical aspects to make informed decisions with all of our geographical location solutions.

These efforts by the developers establish trust between them and their customers, which motivates and encourages them to make a purchase.

We have a positive outlook for residential real estate post-Covid-19 with more people buying homes.

However, people who want to buy a home should be aware about the trends around the industry such as Repo rates, and the Canada real estate policy and Tax rules known as Canada Mortgage and Housing Corporation ( CMHC ), beware that  Lenders may have different interest rates and conditions for similar mortgages.

An exemption is something not covered by your insurance policy,The Canadian Income Tax Act requires that 25% of the gross property rental income is remitted each year. However, non-residents can elect to pay 25% of the net rental income (after expenses) by completing an NR6 form. If the rental property incurs net losses, then you may reclaim previously paid taxes.

We also want you to be cognizant  with hereabouts of The Canadian Income Tax Act requiring that 25% of the gross property rental income is remitted each year.

However, non-residents can elect to pay 25% of the net rental income (after expenses) by completing an NR6 form. If the rental property incurs net losses, then you may reclaim previously paid taxes.

etc. Thus, if one’s income is secure one should take advantage of the circumstances and consider an investment in property at this time.

Upon review of the Current Toronto MLS stats indicate an average house price of $1,037,947 and 6,985 new listings in the last 28 days.

As of today, Toronto housing data shows median days on the market for a home is 14 days In March & April the prices took a hit, due to a lot of unknowns and people losing jobs and their buying position.

We at le rues chaitner & co LLc have summarised the Real Estate Statistics Canada and found that house prices in Canada’s eleven major cities rose by just 1.95% during 2019 and actually fell by 0.32% when adjusted for inflation, based on figures from  y-o-y rises of 2.51% in 2018, 8.92% in 2017, and 12.25% in 2016, and the weakest performance since 2008 when house prices declined by 0.79%. In the last quarter of 2019, house prices increased by a minuscule 0.32% (0.14% inflation-adjusted).

Prior to Coronavirus buyers were competing and a lot were quite frankly getting tired of losing to strong, over-asking offers.

When Did Toronto Real Estate have A Correction Phase ??

The correction came with COVID-19.

 Did You Know That Considerable May & June Has Been Ponderous And is Currently In The  Rebounding Phase For Real Estate In Toronto ??

Currently in Toronto as of June 8, 2020 Toronto real estate  board entered Stage 2 of re-opening after safety  precautions due to the global  outrageous outbreak of the covid-19 . There will be fewer restrictions on life in Toronto when the city enters ‘Stage 2.

Despite the fact that Ontario brings in 110,000 permanent residents per year and most of them Now in May & June the market is rebounding,as restrictions are loosening, buyers that are confident of their position are able to jump in.

The number will drop off slightly by the end of summer but the overseas investors will be feeding the popular city of Toronto well into Fall.

There is much uncertainty in the direction of the residential GTA Real Estate market, as we exit the Covid-19 Virus quarantine and the region returns to work.

Pre-virus, the region’s real estate sector was booming, being driven by strong immigration, very low interest rates, and a lessening of the Stress Test regulations.

A shortage of supply, both in resale real estate listings and in available zoned land to build on, contrasted with the overwhelming demand to buy, put strong upward pressure on prices.

This extreme shortage of inventory motivated the Provincial Government to declare residential construction an essential service.

Excavation and concrete work has continued and workers have reported to me that they are actually working faster than normal due to the Covid-19 traffic effect. Dramatically less road traffic means that dump trucks and cement trucks can complete more runs each day.

So, although early construction efficiency increases, finishing construction has dramatically slowed due to social distancing and a portion of workers self quarantining at home.

The result of less finishing work being completed will lead to minor delayed closings on projects that are near completion, and there will be a bottleneck that will need to be overcome in the mid-term before the labour demand can resume to normal.

A higher demand for labour will put upward pressure on labour costs which will be passed on to the end consumer.

On April 1st, the Federal Government increased the Carbon Tax by 50%.

Since the cost to produce and deliver building materials like concrete, steel, glass, and drywall all require a lot of energy, the cost of materials will also be increasing, and be passed on to the end consumer.

When Will Be The Take Off  Season For Toronto Real Estate After Covid -19

We  Le Rues Chaitner & co have reviewed the real estate toronto statistics and or TRREB – Market Statistics accomped with June 2020 Real Estate Toronto Housing Market Report .   prices are expected to take off soon. Construction has fallen, inventory is low, yet demand is rapidly rising, partly in response to strong immigration.

 So far this is not visible (figures from the Canadian Real Estate Association):

  • Apartments posted average gains of 35% during 2019 (1.05% inflation-adjusted).
  • One-storey single family home prices rose on average by 32% during 2019 (0.97% inflation-adjusted).
  • Two-storey single family home prices increased 3.09% y-o-y (0.79% inflation-adjusted).
  • Townhouse prices increased by 55%, on average, over the same period (0.27% inflation-adjusted).

Of Canada’s eleven major cities, Ottawa’s house prices rose most during 2019, with a 7.38% average price rise, followed by Halifax (7.35%), Montreal (6.37%), Hamilton (5.93%), and Toronto (4.48%).

 Minimal Housing Bracket -> Minimal house price increases were seen in Quebec (1.49%), Victoria (1.13%), and Winnipeg (1.02%).

How is Economic Development  Geographically in Toronto ??

In Toronto the  Economic Development is beyond  immeasurable with blossoming Has investment Property Opportunities.

Our 2020-2026 goal is to  affordable Home Ownership for the Greater Toronto Area (GTA) And other  flourishing cities throughout north america . in toronto there is a strong immigration compass with ownership of properties with the canadain banks giving , very low interest rates, and a lessening of the Stress Test regulations immigrants tend to invest however recently in the past 6 months after the covid -19  due to the limited inventory available, combined with the population growth in Ontario’s   like Toronto, we can expect market activity to continue to have a shortage of supply, both in resale real estate listings and in available zoned land to build on, contrasted with the overwhelming demand to buy, put strong upward pressure on prices.

Conclusion

The modest increase was seen both in the Toronto-area 905 suburbs and also in the 416 area code.

In the 416, condo prices were up 1.8 per cent in the first two weeks of May, compared to the same generation in 2019, and detached houses were up 2.6 per cent, though only 198 properties in that compartment were sold.

In GTA 905 inhabitants like Peel and Durham, condo prices were up 3.4 per cent and detached houses were up 0.9 per cent.

However, far fewer homes are being procured and sold: the GTA had only 2,005 domiciliary properties sold in the first two weeks of May, as opposed to 3,477 in the first two weeks of February.

Related To Commodity:

http://lerueschaitner.com/

Why Making Money Online Is Becoming Difficult?

There are many job portals that offer you online jobs. These jobs can be anyone among the following like data entry, writing, typing, etc. there are thousands of jobs posted on all the websites and the employer gets many replies or applications for the same.

Making Money Online Becoming Difficult

It becomes a very difficult task to choose from hundreds of people the person who would actually do the work properly and sincerely. This happens with the employer.

Now let us see the employee’s story. In the greed of making more and more money, the employee replies to each and every job that comes his way and ultimately ends up with many jobs in case he is selected.

He then distributes his work further and gets some employees to work for him. The entire schedule is then messed up with late deliveries and poor quality of work. Consequently, the employee loses his work.

The employer then faces many difficulties in finding another employee to work for him. This is a vicious cycle and goes on and on.

Hence, here it is advisable to say that only the people who are good at certain tasks should apply for the same on the best online job sites. Like if you are good at writing you should only apply for writing work at 1-2 sites at a time.

Traders who are good at trading in assets like forex, stocks, cryptocurrencies, etc can join sites like Universal Markets that can help them make a good amount of money every week.

If you are really passionate about trading you can check the detailed Universal Markets review here before joining them. They can help in making money online without any difficulty.

Remember that, with whatever field or investment you are planning to start, there are always tools and resources available to assist you along the way. This is especially true when it comes to trading in Forex.

Trading in the currency market can be overwhelming for you as the profits can be high. And if you choose the right tool and resources becoming a successful Forex trader will not be far away.

You could be trading best and making some serious money out of it if you follow the right strategies.

What is Bitcoin and How to Invest In It?

Many of you have often wondered about Bitcoin and its effectiveness as an investment option.

However, before getting to invest in it, it is important to understand what it is, and how should you get started in it. Read on the below article for all this, and more information…

bitcoin trading

What is Bitcoin?

Bitcoin is typically a kind of virtual currency that is developed through a process called mining.

Just like paper money is made through paper printing, silver or gold is mined from the ground, Bitcoin is a currency which is created by ‘mining’.

How do I invest?

As an investor or a trader if you want to invest in bitcoins its a great decision.

First of all, you have to open an account with a trading platform and create a wallet.

Then if you want to trade you can find a trading account that can help you get started. For this, you can find many examples by searching Google for the ‘Bitcoin trading platform’.

Make sure that you don’t be too naive to fall for scammers. There are thousands of legitimate opportunities over the internet and you will need to find the one that matches your risk profile the most.

Or if you want you can skip searching and try the Crypto Genius platform which is one of the best in the market due to the quality of services they provide.

After joining one of your preferred platforms, you will need to click on the assets and then click on crypto to choose your desired currencies for trading.

Remember that there are a lot of indicators available on every trading platform. And you should be sure to observe them and learn about them in detail before investing or trading in any particular asset.

This is the most important step for all the investors to ensure that their investment is safe and risk-free for them.

Tips for Beginners To Trade In Stocks Successfully

No doubt, as the ways of trading and making money online are increasing many of the fakes and scamming sites are also spreading their wings on the platform of the internet.

stock trading

So, one should be very much aware while joining these sites if they are really concerned about making money online for long.

Especially when it’s about trading in the market (like in stocks, forex, cryptocurrencies, or commodities) there are many broker companies to choose from.

WorldStocks is one great reliable platform that I found useful and trustworthy. No matter which asset you want to trade in, here you can get all the best services.

The company allows its members to purchase stocks from various companies and take part in the trading of stocks as well.

Tips for Beginners

When a person purchases stock from a company, he indirectly or directly becomes a partial owner of that particular company.

Becoming a partial owner means that the person is liable for getting dividend payments as they become the shareholders of the company.

If the company is a new one, then the stock owner can get enormous returns while selling the stock or his part of the shares.

If the company is an old and a well- known one then the risk of making a loss gets minimal and the person or the shareholder gets good returns.

There are basically three types of stocks that a client can purchase from a company- common stock, preferred stock, and unlisted stock.

Common stock is the ordinary stocks that make the shareholder a partial owner and hence make him liable to get dividend payments, earning growths and voting rights for the company.

Getting the help of WorldStocks is all that you need to get success.

The owners of preferred stock do not have any voting rights but at the time of the bankruptcy of the company the owner of preferred stocks is given privilege over the owner of the common stock.

Unlisted stock is liable to greater risk in a company. So its better to avoid them.

An Income Tax Comparison: Moving from Ontario to Florida

While many people are drawn to Florida for its endless sunshine and warm nights, when examining the tax environment between Canada and Florida, the argument in favor of moving south becomes even more compelling.

In this blog, we will examine the tax rates for a Canadian province (Ontario) and a sunshine state (Florida) from the perspective of someone resident for tax purposes in those places.

We will compare the tax rates and the income levels at which they kick in. Note that Ontarians who snowbird in Florida but maintain a closer connection to Canada would not get the lower U.S. rates and would continue to be subject to Ontario’s higher rates.

Also, as Florida has no state income tax, the numbers below for Florida are for Federal tax rates only while the numbers for Ontario combines Federal and Provincial tax rates and brackets.

Interest Income (Ordinary Income)

Canada and the United States both tax interest income at ordinary income rates. Canadian rates are generally much higher and kick in at lower income levels than do U.S. rates.

The United States also has different income thresholds dependant upon Filing Status, whereas Canada does not.

In addition, in the United States, it is possible to purchase municipal bonds that pay tax-free interest, however, Canada does not have a comparable opportunity.

Canadian and Ontario integrated tax rates for 2018 are as follows:

2018 Taxable Income (CAD) Tax Rate
first $42,960 20.05%
over $42,960 up to $46,605 24.15%
over $46,605 up to $75,657 29.65%
over $75,657 up to $85,923 31.48%
over $85,923 up to $89,131 33.89%
over $89,131 up to $93,208 37.91%
over $93,208 up to $144,489 43.41%
over $144,489 up to $150,000 46.41%
over $150,000 up to $205,842 47.97%
over $205,842 up to $220,000 51.97%
over $220,000 53.53%

As there is no state income tax in Florida, the tax rates are the same as U.S. Federal tax rates as follows:

2018 Taxable Income (USD)
Single filers Married Filing Joint Married Filing Separate Head of Household Tax Rate
$0 – $9,525 $0 – $19,050 $0 – $9,525 $0 – $13,600 10%
$9,526 – $38,700 $19,051 – $77,400 $9,526 – $38,700 $13,601 – $51,800 12%
$38,701 – $82,500 $77,401 – $165,000 $38,701 – $82,500 $51,801 – $82,500 22%
$82,501 – $157,500 $165,001 – $315,000 $82,501 – $157,500 $82,501 – $157,500 24%
$157,501 – $200,000 $315,001 – $400,000 $157,501 – $200,000 $157,501 – $200,000 32%
$200,001 – $500,000 $400,001 – $600,000 $200,001 – $300,000 $200,001 – $500,000 35%
Above $500,000 Above $600,000 Above $300,000 Above $500,000 37%

With the passing of the American Taxpayer Relief Act in 2013, an additional 3.8 % surtax has been imposed on most forms of investment income, including interest, dividends, and most capital gains.

This additional surtax is added when adjusted gross income exceeds a certain threshold. The threshold is $250,000 for married filing jointly, $125,000 for married filing separate, $200,000 for single, and $200,000 for head of household.

As shown above, in Ontario, the maximum rate of 53.53% kicks in at an income of $220,000 Canadian dollars.

In Florida, the top rate is only 40.8% (including the surtax) and does not kick in until income exceeds between $300,000 and $600,000 USD, depending on filing status.

Capital Gains

Canada includes 50% of the realized capital gain in taxable income. A resident of Ontario would therefore pay a maximum rate of 26.765%, equal to half of the maximum rate for Ordinary Income.

The U.S. capital gains rate depends on the type of asset being sold, the length of time that the asset has been held, and how much income you have earned. For investments held one year or less, capital gains are taxed as ordinary income, just like interest.

For the sale of most types of investments held greater than one year, refer to the chart below. The 3.8% surtax may also be applicable, as discussed above. As such, the maximum rate would be 23.8%

Single Filers Joint Filers Tax Rate
Up to $51,699 Up to $77,199 0%
Up to $425,799 Up to $478,999 15%
Above $425,800 Above $479,000 20%

Capital Losses 

Canada allows capital losses to be utilized against capital gains in the current year.

To the extent that there are no capital gains in the current year or the gains are not sufficient to offset the amount of capital losses, you can apply capital losses against any capital gains in the three prior years.

Any unutilized losses can be carried forward and applied against future gains.

In the U.S., capital losses can also be used to offset capital gains in the current tax year.

To the extent that capital losses exceed capital gains, up to $3,000 USD (Married Joint), or $1,500 (Single or Married Filing Separate) can be used to reduce other taxable income. Any excess can be carried forward.

Dividends

Canada provides a gross-up of certain Canadian dividends. In Ontario, the net tax rate on a Canadian eligible dividend would be as high as 39.34%, and the rate on a Canadian non-eligible dividend would be 46.85% (in 2018). Foreign dividends are taxed at ordinary rates.

In the United States, non-qualified dividends would be taxed at ordinary marginal income tax rates (as high as 40.8% including the surtax).

Qualified dividends are taxed in a similar manner to long-term capital gains, as per the table above. As such, the maximum U.S. rate would be 23.8%. It is possible for foreign dividends to be treated as qualified dividends.

While a move from Ontario to Florida can be beneficial from an income tax standpoint, there are many other items that must be considered ahead of time including immigration, estate planning, health care and Canadian “departure tax.”

If you are considering making the move to the U.S. from Canada, make sure you reach out to a qualified cross-border financial advisor that can assist you in making a smooth financial transition.

Tips to Make Money Online without Being Scammed

The only thing that marks a person’s identity in this world is money. The more the money you have, the more the people respect you.

It is always seen that rich people are often pampered by many and poor neglected. This has been the way of the world for many years.

make money

And this is probably one of the reasons why everybody wants to become rich and wants to earn a lot of money.

Yeah, the financial security also counts here. Hence, they resort to making easy money through online jobs.

However, the other side of the coin is, finding the right way to make money online is a tough job.

There are some of the factors that make earning money on the web difficult. And you should know about them. These are as follows –

  • Fake people
  • Online scams
  • Counterfeit companies

One genuine way which attracts most of the people is trading in forex and cryptocurrencies.

Since there are very fewer chances of being scammed here, this is one of the best ways out there to make money without the risk of getting scammed.

The only thing you need to do is to find the right broker for yourself.

A good broking platform like CoinePro offers you a safe solution to trade online and to earn good profits every day.

Of course, the markets are highly volatile when it comes to forex and cryptocurrencies. So you will also need to learn some tactics and strategies that works. This will keep your money safe.

With the help of this, you will know all the arts of conducting trading for real success.

In all, it significantly helps you in every aspect of creating your own cash-generating system

So why not get instantly the benefits of the system and start generating maximum profits from what you are doing until now.