You are not the only one! 我同老婆都係帶咗好少錢(一定買唔到一部Mazda 3!) 同我同學相比無移民個D，佢地多咗錢，但係聽佢地講現在己經唔夠分 申請，試過一次同D為錢無移民同學食飯，佢地D小朋友講英文真係典型香港人講英文。加上我地早移民早買樓，佢地就算而家甩咗香港層樓都唔好得過我地好多， 輸咗自己時間，輸咗小朋友英文。
因為快要退休，所以現在的投資都注重cash flow. 兩年前開始投資apartment syndication. Preferred return 已經有7-8%, after sale IRR 13-15%, 或者5年之後賣可以大概double 之前嘅投資. 當然亦可以買屋收租。不過要在一些high population growth 嘅地方買才好。如果你自己住嘅地方不屬於 high population growth，可以睇吓俾人管理有冇得賺. 我之前有睇過一些在佛羅里達州新屋投資，每年可以有7-8%嘅回報。一般做呢啲apartment syndication 都係專業人士，雖然比啲錢佢哋賺，但係佢哋對市場研究俾我哋自己小屋主應該係好啲。
Well said and outstanding analysis. I am from HK and lived many years in North America. Other than finance, It is also important to consider other factors : such as living environment, opportunities for education and job or career, social system and culture. Each family or person should consider what would expect in the future if they decide to stay or to move before making the proper decision. Both Canada and US have a relatively good social system for the unfortunates.Please realize that you need to make adjustments if you move to another country. Don’t expect to get “ freebies” from the free country. You need to make contributions including working hard and paying taxes. Moving to North America is the best decision in my life. I would not be what I am if I were staying in HK. It is a challenging time for HK residents. Wish you all best of luck in you decision.
You are so kind and wise! Proud to have you as a HKgers . All the best to you. I have already the money for retirement and emigration, and have the full foreign passport. What held me back? Because I love the efficiency of HK, love the food and Chinese culture ! Because HKgers have subject to a lot of pressure to toe the red line, there grew a sense of belonging and bonding 💕
@@ll650 you should also compare the salary. USA has more job opportunities than Canada especially we are the foreigner. The average Asian American is earning 80k usd per year. Canada is only 45k usd. I am a software engineer. With all compensation. My salary is 450k last year. Canada is nowhere close.
豬豬...Income tax in Canada are not 25%, if you looking at $400,000 HKG (approx. $60K CAD) income per yr. you are looking at 40% plus every dollar you spend, there will be additional 5 to 12% for GST and PST.
You will get some GST/PST/HST rebate, even at $60000 annual income. At $60,000 income , Federal Income Tax is 20.5%, and also depending on your province, (around 10% on top of the Federal Income Tax), that makes it around 31% of income tax. Nowhere near 40%+ income tax as you have mentioned. (Based on $60000 annual income) But you get lots of social benefits and free medical care (depending on your province)
@@cococly family or individual income tax? Gee, I thought the US pay less, in the US, Fed income tax is already 22% at $39476, and Canada is only 15% until $47630.
thanks for sharing, I think we work in the same industry. I am also thinking about moving to toronto in a few years. So probably going through similar problems. Maybe see you in toronto one day
Thanks 阿豬. Very inspiring. We will also go to Canada and are planning ahead for passive income. Have viewed a lot of videos on UA-cam and learnt that for the first CAD$47,000 (per person) annual income earned thru "dividends" from eligible Canadian stocks, it's tax free in BC. While we will diversify our assets, the direction for my family is to increase our investment in eligible Canadian stocks for dividends. Will be great if you'd share your thoughts in your future videos. Thanks!
Here's how to do it, noted that it's per person, so a couple could get almost 100K Cdn tax free, pretty comfy living. www.theglobeandmail.com/globe-investor/investment-ideas/strategy-lab/dividend-investing/you-do-the-math-almost-50000-in-earned-dividends-0-in-tax/article4599950/
Don't forget car and medical and house insurances. Especially medical or senior care can break your bank overnight. I would go UK because for sure u will get UK citizenship. Thanks.
Thanks for making this video, are you suggesting HKD$7,40,000 per head? If a family of three will times 3 so $22,200,000 is required for a family of 3?
Thanks for ur reminder about not letting money take options away from us. There is no end to our desires, we really do need to step back and think what’s really important in our lives instead of chasing temporary pleasures indefinitely.
@@AhJu Thank you for the reply. I was referring the eurobonds. So basically the coupon income will be added to your taxable income , no special tax treatment?
Very well said sir!
多謝bob叔大駕光臨！
@@AhJu I subscribed to your channel already. Very informative and very well laid out. Keep up the good work!
好贊同，錢，永遠都係唔夠嘅，但係生命只有一次，精力也並非無限，良禽擇木而棲，搵一個適合自己生活令自己開心嘅地方，而且及早去實現夢想
我2017年帶了好少錢就全家來了墨爾本生活 中間失業做散工維持 還要供樓 都係咁過左 未洗用老本 我來之前無計咁多嘢 阿豬的分享對擔心移民生活的香港人好重要 我會分享比D朋友 謝謝
呢位朋友想問下你，當時係做咩工作？
Alex Yeung 散工做Aged care 照顧年老/傷殘婆婆 帶佢地去買菜
同佢地煮飯 高峰時5個客 夠生活
後來找到長工就炒剩一個客 因為個個客已經成為了好朋友 做part time 當幫忙 現在墨爾本疫情下這個兼職都完全停了 反而利用lockdown 時間考牌進修 年中考到一個牌即時有人工加 下年年初如如期考多個牌 事業又會轉變 把握疫情無街去 專心在家 係讀書黃金時期
You are not the only one! 我同老婆都係帶咗好少錢(一定買唔到一部Mazda 3!) 同我同學相比無移民個D，佢地多咗錢，但係聽佢地講現在己經唔夠分 申請，試過一次同D為錢無移民同學食飯，佢地D小朋友講英文真係典型香港人講英文。加上我地早移民早買樓，佢地就算而家甩咗香港層樓都唔好得過我地好多， 輸咗自己時間，輸咗小朋友英文。
@@dominicmota5564咁請問你哋依家情況又點？
我在大陆身无分文，靠命水远嫁移居海外，如今好幸福下，在海外生活确实舒服过国内太多了。个人感受，唔代表所有人，爱国者勿喷
一命二运三风水，各有各幸福法~
哈哈哈 最后一句求生欲好强
不要太擔心，上了飛機不要回頭，到達後可到教會認識很多教友，他們很好人及幫助人。
多謝Gary嘅正能量
Never like the church people, they are all moronic!
你解釋好詳細，好喜歡你講對錢嘅睇法，令我突然清醒咗咁！多謝你
好開心你感覺幫到你
@@AhJu
你的分享很有啟發 簡直是當頭棒喝！好詳細 很好的分析！多謝
"Money gives me options, not limiting my life." Well said! Thank you Chu Sir~! :D
thank you, the final conclusion is very insightful "money gives you options, don't let money limit you options"
人到中年，要放弃一切，带一家大小移民是一个很难的决定。谢谢阿猪
無意中發現豬兄呢個 channel. 👍🏻👍🏻. 我幾年前1家4口移民美國, 移民前10幾年已好似豬兄解劃移民後嘅生活. 而家正正就係做緊豬兄所講嘅嘢 - 移民後退休靠passive incone 去生活. 提醒大家豬兄所講嘅7%投資回報收入, 比較難達到. 我自己股票投資就預算4% dividend income 去維持生活費, 所以投資嘅本金大家可能需要預鬆d.
多謝分享 Roy
因為快要退休，所以現在的投資都注重cash flow. 兩年前開始投資apartment syndication. Preferred return 已經有7-8%, after sale IRR 13-15%, 或者5年之後賣可以大概double 之前嘅投資. 當然亦可以買屋收租。不過要在一些high population growth 嘅地方買才好。如果你自己住嘅地方不屬於 high population growth，可以睇吓俾人管理有冇得賺. 我之前有睇過一些在佛羅里達州新屋投資，每年可以有7-8%嘅回報。一般做呢啲apartment syndication 都係專業人士，雖然比啲錢佢哋賺，但係佢哋對市場研究俾我哋自己小屋主應該係好啲。
Thanks for sharing Marina
臨尾是一個很好的提醒。Thanks.
不愧是香港的精英
都係一個打工仔+撞到少少運氣
你今集講得好正！ 錢唔會搵得曬，我自己理念係人生係要生活（平凡可以了）不是生存！ 完全認同小朋友學多啲野唔代表人生一定會贏！ 👍🏻👍🏻
100% agree w/you, the options are what we need
哩個問題其實困擾佐我好多年，你真係Shock到我內心深處，好有同感。睇玩你個Video，我清晰佐好多，我都做緊Research準備移民加拿大，但係同你一樣十五十六唔知去邊個城市好，希望可以一齊交流下。
If you have skilled work experience, under 30 years old, and can score IELTS-G 7.5 or above, you should apply via "Express Entry". Good luck.
精辟，大智共鳴，多謝您，好好努力，大家進步
最後2分鐘真係精華！
Thanks for your compliment!
Ar Chu, well said. Thanks for sharing all video. Good luck and all the best to your journey.
同時，有感香港流失你這人才😭
多倫多唔係唔鍾意洗車，係洗車超級平 買套票 一千蚊港幣洗90日, 圍起十零蚊港幣一次兩個幾加幣一次。
主要是要组合保证到7%, 在目前这个低息环境下, 其实好有难度.
好正，好正，第一次聽你，好實在，好貼地
Thank you Kennis
Really good advice in the end. Something alot of people feel trapped in their minds about. Money is never enough.
Thank you.
Well said and outstanding analysis. I am from HK and lived many years in North America. Other than finance, It is also important to consider other factors : such as living environment, opportunities for education and job or career, social system and culture. Each family or person should consider what would expect in the future if they decide to stay or to move before making the proper decision. Both Canada and US have a relatively good social system for the unfortunates.Please realize that you need to make adjustments if you move to another country. Don’t expect to get “ freebies” from the free country. You need to make contributions including working hard and paying taxes. Moving to North America is the best decision in my life. I would not be what I am if I were staying in HK. It is a challenging time for HK residents. Wish you all best of luck in you decision.
你的分享很啟發而對某些人簡直是當頭棒喝！
我很同意你要plan, 但你比較的方法要加入當地原素. 例如外國買車可平香港三分一至多個一半。油價是香港的三分一,維修起碼平一半 ! 超市一般食品,牛奶,牛扒是香港一半. 還有你的生活會改變。 医療你會買保險, 娛樂會有新hobby. 不過我覺得你要有更多buffer. 因為會好多unexpected事件發生.
Good tips Martin
雖然我已經移民到歐洲一段時間，但也喜歡聽你分享。因為你分析整個移民的計劃很仔細和貼地，而且你很有明確目標並實行，祝移民順利並生活愉快👍👍另外，我也喜歡投資包括海外股票和債券等。希望你移民後仍有時間分享。
thank you CC
尾段好有同感，好多時唔鍾同香港人傾計，就係無論一開始講咩話題到最後都係變咗錢或同錢有關嘅嘢
You are so kind and wise! Proud to have you as a HKgers . All the best to you. I have already the money for retirement and emigration, and have the full foreign passport. What held me back? Because I love the efficiency of HK, love the food and Chinese culture ! Because HKgers have subject to a lot of pressure to toe the red line, there grew a sense of belonging and bonding 💕
睇咗你幾條片
最鐘意你無廢話 主題清晰 內容夠資訊性!!
多謝你分享呢個睇法 幫到我更加清楚自己想要咩嘅生活!! Thank you !!
支持你繼續拍多啲片!!
So envious of the low cost of living and laid back lifestyle in Toronto. Take a look at NY.
@@ll650 you should also compare the salary. USA has more job opportunities than Canada especially we are the foreigner. The average Asian American is earning 80k usd per year. Canada is only 45k usd.
I am a software engineer. With all compensation. My salary is 450k last year. Canada is nowhere close.
well said，好值得睇多兩次
豬豬...Income tax in Canada are not 25%, if you looking at $400,000 HKG (approx. $60K CAD) income per yr. you are looking at 40% plus every dollar you spend, there will be additional 5 to 12% for GST and PST.
You will get some GST/PST/HST rebate, even at $60000 annual income.
At $60,000 income , Federal Income Tax is 20.5%, and also depending on your province, (around 10% on top of the Federal Income Tax), that makes it around 31% of income tax.
Nowhere near 40%+ income tax as you have mentioned. (Based on $60000 annual income)
But you get lots of social benefits and free medical care (depending on your province)
@@cococly family or individual income tax? Gee, I thought the US pay less, in the US, Fed income tax is already 22% at $39476, and Canada is only 15% until $47630.
好多謝你啊ah Ju. 而家喺香港做緊護士，不過由細到大一直以來都對經濟股票呢啲冇乜概念，一直都想學投資但又冇認真去學（因為覺得好悶）。不過最近因為又想移民都有Concern到錢嘅問題,好鍾意睇你嘅片。無論係移民系列定係投資系列，好有條理得來，睇得出你背後個腦好犀利👍🏻好識得分析👍🏻幫助到我更加仔細去諗移民要Concern嘅位!多謝你做緊咁有意義嘅嘢🤚🏻🤚🏻我會努力學習!
多謝你做既片，獲益良多，亦都好佩服你做到財務自由， 羨慕羨慕
你D配圖好搞笑, 講D concept又好易明
因為我把聲太悶，要搵啲嘢刺激下大家
@@AhJu 其實我依家就似你片頭講咁樣, 年紀已經大到差唔多最後關頭, 又唔夠錢做投資移民, 方法其實好似你咁讀書移民, 但係真係好擔心, 用曬D 錢, 得50/50 機會
咁真係有啲危險。會唔會選擇留返啲錢交個任務俾下一代？
@@AhJu 我可以私信問下你一D 心得嘛, 我想聽下你既分析
阿豬好清楚錢作用
好準，我都係咁同D friend 講，7.5 mil 夠晒。叫佢地過嚟。但我哋年紀大D。其實加澳好正。其他地方唔知。
在加拿大有四大城市，東岸有Toronto 和 Montreal, 而西岸有Vancouver 和 Calgary 。 除香港外，Vancouver 屋價最高，在加拿大氣候最溫和，生活模式最似香港。 但很少香港人會留意到Calgary。 若是退休的話，Calgary是一個很好的地方，有七萬多華人，鄰近美麗的Banff 國家公園，可媲美瑞士，稅率最低，也不乏華人超市、酒樓和港式茶記等等。 屋價較Toronto便宜，天氣和Toronto 差不多，但濕度較低。 若想下一代學好英語的話，來Calgary 較好。 在Vancouver生活，可以廣東話走天涯，香港人最易適應。
I like Calgary too
你真係講得好好，多謝你的分享，願神祝福你和你一家。
2018年統計。香港每8個家庭就有一個擁有百萬美元流動資產。只係加拿大係共產，美國人也要子女學乜學物，讀好大學。
加拿大係共產?
@@martinlu4690 住過你就知。
@@ErwinLau 但係我冇住過哦~可否講少少實例來聽吓?多謝!
@@martinlu4690 佢講得好過我 ua-cam.com/video/1f4PG7-unwA/v-deo.html
@@ErwinLau 收到,多謝~
睇哂你d片，好informative, 分析得好有條理，加油
Samf17 多謝你捧場!
無錯，鐘意你最後講對錢嘅睇法! Support
Thanks Matthew
Mr. Pig 你分折得非常之詳細 ，亦安排日後在Toronto 的生活費的安排得很有條理 ! 近來Toronto 的 Condo 的租金亦回落少許 ! Good Luck !
Amy Li, thanks for your support! I’m looking forward
多謝你嘅分享，我係公務員，最尷尬係差几年先退休，做左三十年早走就乜都無（長俸、退休金），真係好難決定
退休後再去嘆世界囉~
最尾嗰句……金句……好正
謝謝
真係touch heart ，真係忙碌生活為咗咩....
講得好好，分析得好詳細，對外國很有見解，謝謝你
本身係公司食飯開無痕睇緊,特登要登入subscribe同like你。 你分享有關金錢的講法真係好好。我自己岩出黎做左野一陣都覺得自己有掉入去呢個賺錢循環的危機。謝提醒!
我也希望有日可以移民,過自己想要的生活!
聽落去你仲後生.加油啊 B Wong!
Ah Ju, thank you for sharing!
講得好好，非常有用，多謝分享你的智慧，祝心想事成。
Thanks cho
你嘅資訊真係好全面，我係你個channel學到好多野👍🏻
多謝你又返嚟啊 Mike!
阿豬移民日記 我都好多謝你嘅分享，繼續支持你！
thanks for sharing, I think we work in the same industry. I am also thinking about moving to toronto in a few years. So probably going through similar problems. Maybe see you in toronto one day
I enjoy watching your video. Thanks for your efforts. 加油
Thanks for watching Tracy
我是新進來的人～你的見解對我來說很實用～期待你更多關於理財投資的片！
Welcome mi. Next week I’ll talk about ETF !
Thanks 阿豬. Very inspiring. We will also go to Canada and are planning ahead for passive income. Have viewed a lot of videos on UA-cam and learnt that for the first CAD$47,000 (per person) annual income earned thru "dividends" from eligible Canadian stocks, it's tax free in BC. While we will diversify our assets, the direction for my family is to increase our investment in eligible Canadian stocks for dividends. Will be great if you'd share your thoughts in your future videos. Thanks!
That’s a great idea Angela. Let me research into this area. Keep u posted
Here's how to do it, noted that it's per person, so a couple could get almost 100K Cdn tax free, pretty comfy living.
www.theglobeandmail.com/globe-investor/investment-ideas/strategy-lab/dividend-investing/you-do-the-math-almost-50000-in-earned-dividends-0-in-tax/article4599950/
Thanks.
臨尾的結論才是重點
Thanks for watching Michael!
阿豬移民日記 Thanks for making such a good video 阿豬。 看得出你很有心機去做。
你頻道講解好清晰， 今一理通百理明！😃
主播好醒目，有金融背景，理智，冷静，表达清晰明了，前途光明🙏，另外你说的资本是讲港币吧？
對是港元
Thanks 阿朱🌱🌱🌱太好的分析
喺多倫多除咗麥當勞貴香港好多，車保險都貴好多.一千蚊港幣一個月肯定唔得加幣就差唔多,仲有手機月費係香港兩三倍
做左幾年 有時睇到好多大過我既同事 人工都講緊60k-100k 但option 愈黎愈少 好大原因係層樓太貴 諗緊自己點樣唔好步佢地後塵
豬兄多謝分享你嘅想法同埋清晰嘅財務，可唔可以開一集關於投資收息組合
我本身有500萬現金，想請教一下你
好啊、我有時間拍啊
Your analysis is so professional. Thank!
So happy to hear that Devin
Thx for ur sharing esp your thoughts about money, agree w u Money should be giving us options 💪🏻
Glad to hear there are like minded people
Don't forget car and medical and house insurances. Especially medical or senior care can break your bank overnight. I would go UK because for sure u will get UK citizenship. Thanks.
你既思路好清晰，加油拍多啲片
多謝Queenie
Hk$1000 car expense is too low. 普通lease 架日本車仔要C$300, gas C$1-200, car insurance C$150 to 300 per month. C$1000 per month 就差唔多。買巴士月pass 都要C$300/month.
hope u successful in your immi plan.
呢個片講得好好，可唔可以介紹吓如父母輩嘅人唔識英文，唔識揸車，去加拿大住什麼城市比較適🈴️佢哋可以搵什麼工唔該晒。
Thanks for making this video, are you suggesting HKD$7,40,000 per head? If a family of three will times 3 so $22,200,000 is required for a family of 3?
有捨才有得, very good👍
Have doubt about using 1mil usd to live a retired life without working.
Great video mate! I really like your conclusion on this video. Money does give us options.
bonds cause depreciation every year. Not safe🧐🧐🧐. Good speech anyway👍👍👍👍
Thanks Lisa
你好阿豬，我都係啱啱移民左一年半，而家去左英國。咁啱個channel都係無出樣，你個channel好正，教左好多錢嘅概念... 我本身做攝影，就係最差金錢概念。希望你個visa快d批! 利申，已subscribe :)
多多指教！我都subscribe 你先！Wah, 啲animation 你自己畫咖?
@@AhJu 邊有咁叻，用app. 原意同你一樣，出聲唔出樣，但又唔想無畫面
非常清晰的分析，謝謝
多謝
You may need to add the car insurance also..medical insurance and utilities would be much higher than Hong kong
聽左好幾個你嘅video，都覺得高音啲會聽得清楚啲，內容好好，加油
Thanks Chris!!
Thanks 阿豬！ Do you have any good investment ideas?
Hello! 我覺得股票三月後已經升左唔少，會觀察下先考慮。反而我幾喜歡黃金你可以睇以下嘅video了解為什麼
ua-cam.com/video/tH97ruL6hmI/v-deo.html
Thanks for ur reminder about not letting money take options away from us. There is no end to our desires, we really do need to step back and think what’s really important in our lives instead of chasing temporary pleasures indefinitely.
Very meaningful
Thank you Dereck!
From Vancouver 🙋🏻♀️..Very well said! Best wishes to you
非常喜歡啊豬節目
（4+4）如果你買間屋（在墨爾本大概4百萬港幣可以買間小屋）唔洗租樓住 在澳洲生活 4人家庭來說 你有4-5百萬的投資 假設每年回報6% 基本上可以食老本 如果有工作就更加好
別忘記香港嘅樓係2017年後可能會被收番 而在外國買House有永久地權 你可以subdivide 或留比後代
小朋友學音樂對大腦有好處，並非一無是處。
👍
唔訂閱唔得，高質必須支持。
Thanks for your support!!
Very useful. Thanks for sharing
Hello Ah Ju, 今日第一次發現你既channel, 一口氣睇左好幾條片. 你既資訊真係好informative!!! （包捨講理財 &財務自由既video）當我由2020年想移民果刻先開始改善自己的理財習慣，我諗我同樓主你參唔多年紀，但我過往不善理財，導致而家儲蓄不多 .... 我打算行stream A路線去vancouver, 而家都積極儲緊錢，請問你覺得2人 (SP+SOWP) 要預多少錢才可以出發呢？thank you!
阿豬，請問妳點睇 儲蓄型同消費型危疾？普通打工仔家庭，主婦一名，收入有限，可以比點意見嗎？
Absolutely agree with you!
Thanks Ah Ju. Would like to ask if you know the tax rate on foreign bond income please? Say if coupon income is the only source of income.
It depends on a range of factors. Like where is the bond from. Where you are. Your income. Etc
@@AhJu Thank you for the reply. I was referring the eurobonds. So basically the coupon income will be added to your taxable income , no special tax treatment?
多謝分享很有資訊性
Thanks FKM
Thank you for your sharing. It is very useful.
Glad you enjoyed it Emers!
Thank you for your sharing . I didn’t do comparisons as detailed as you to figure out amount for retirement that I need precisely . Inspired . 🙏🏻
Thank you Mabel
啊豬最後果句好有意思
Support! thanks for sharing!!
Thanks chit!
good mentality
I like your talk, very detail. Thank you.
Well said. Thank you for sharing 🙏🏼
very useful information and clear explanation. like!!