To assist you in accessing the information you
need as quickly as possible, we have compiled a list of frequently
asked questions (FAQs).
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How
can you tell if Capital régional et coopératif
Desjardins is an attractive investment for you? |
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There
are numerous good reasons to acquire shares of Capital
régional et coopératif Desjardins, here
are a few that are frequently raised:
- You are seeking an investment that provides an impressive
tax credit and potential long-term yield;
- You are interested in investing in development capital
that will assist regional development;
- You are an investor who is prepared to accept a certain
level of risk in your investments;
- You contribute the maximum to your RRSP and are seeking
an additional tax deduction;
- You are pre-retired or already retired, you can no longer
contribute to an RRSP, and you have a high income;
- You are seeking an additional tax deduction to reduce
your taxes owing;
- You contribute a significant amount to your pension
fund, which limits your contribution to an RRSP.
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What is the tax credit
I will obtain? |
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The provincial tax credit you are entitled to is equal
to 50% of the purchase amount. The tax credit is non-transferable,
which means it can only be used to reduce or eliminate taxes
due. Unused portions of the tax credit may be transferred
to a spouse for a particular year but cannot be deferred
or amortized to the subsequent year. To take advantage of
the tax credit available with the acquisition of Capital
régional et coopératif Desjardins shares,
the taxpayer must provide a declaration of revenues for
Québec. |
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How can we compare
an investment in shares of Capital régional et coopératif
Desjardins with an investment in RRSP shares from a workers'
fund? |
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If
you just consider buying, then it's true that labour funds
are more advantageous. On the other hand, the opposite is
true when it comes to redeeming. Because Capital régional
et coopératif Desjardins offers a tax credit rather than
tax savings, it is a lot more advantageous than labour funds
when it comes to withdrawing money because there are no
taxes to pay. Capital régional et coopératif Desjardins
clearly has a net advantage in overall terms.
Moreover,
labour funds are retirement funds that, in principle, can
not be redeemed before the age of retirement, whereas Capital
régional shares can be redeemed after a minimal
seven-year period.
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