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There are three major categories of tax on savings income (you do not speak here of the wealth tax and taxes on transfer of property, addressed in the Heritage section ).

Social security contributions to finance social protection. In general all income from savings regardless of the type of investment are subject to an annual rate currently set at 13.5%. But there are notable exceptions: A Booklet, Booklet blue booklet Sustainable Development, book early, LEP, which are exempt.
The tax under the Income Tax.
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Be attentive to the taxation of investments does not pass the tax at the forefront of economic choices. The path must be reversed. It is essential to first select an orientation (real estate investment in unlisted …) before possibly understand in a tax efficient.

A board
To ensure that the operation is really profitable, that is to say that the gain made ​​through the tax system is not less to the cost of such an operation or the yield differential between that offered by the selected product and that usually included on the asset class in question.
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RBC Global Asset Management launches two U.S. equity fund and a fund of international obligations.

This is the Fund’s corporate bond BlueBay Emerging Markets Fund, the value of U.S. equity mid-cap companies and the RBC U.S. Equity Fund Basic Small Cap RBC.

Bond Fund of companies in emerging markets BlueBay invests primarily in debt securities of companies from emerging countries denominated in U.S. dollars. The manager can use the local currency or the currency of a G7 countries and invest in government bonds and emerging market debt securities of governments of developed countries using the currency or currency of G7 countries.
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The TD Bank Group recorded a litigation provision of $ 255 million in connection with a prosecution against him because of his role in a Ponzi scheme of $ 1.2 billion.

The bank said that this provision had resulted in a charge of $ 153 million after tax, or about 71 cents per share, which will be recorded in the first quarter.

A U.S. federal jury has concluded earlier this month, the TD was $ 67 million to Coquina Investments for the role it played in the combination performed by a lawyer now disbarred, Scott Rothstein.
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The Canadian economy fell in November, after stagnating in October, says Statistics Canada.

Real GDP slipped 0.1% in November compared to October. GDP has been growing continuously from June to September this year.

Most of the decline is attributable to a decline in output in the energy sector, but also to the wholesale trade, finance and insurance and construction.
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Given the global economic downturn and the puzzle that cause the sovereign debt of some European countries, the preferred strategy in 2012 is the preservation of capital, according to Sylvain Ratelle, vice president and strategist at Laurentian Bank Securities.

“As global economic growth will be smaller in 2012 than in 2011 and that the risks remain tilted to the downside, it would be preferable to adopt a conservative investment strategy,” said Sylvain Ratelle.

The strategist said that the main benchmark for global equity markets, the MSCI All Country World Index, expressed with a yield of -7.1% in 2011. For its part, the bond market has fared better with a yield of 9.6%. A portfolio divided equally between the two asset classes would have provided a total return of 1.2% over the past year.
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To do well in 2012, insurers need to focus on their areas of activity “essential” if they are to play their game, according to Ernst and Young.

“The Canadian life insurers are faced with a volatile market in 2012, said Michel Bergeron, leader of the Financial Institution Services of Ernst & Young in Quebec. Stock markets continue to be unpredictable and low expected interest rates increases the risk for insurers. The constant changes made to the regulatory and accounting standards also impose new constraints. ”

Despite this difficult environment and the relative weakness of the economy, insurers that focus on key areas can still hold their own in the game, they should be applied to enhance the standards of sound risk management, make better use of technology and the Internet and learn about the demographics of consumers.
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Saving behavior of the French is far from optimal. The French affect a much too low to share their financial savings (around 20% by including the shares held indirectly through mutual funds (UCITS) and unlisted shares which often correspond to the ownership by contractors actions their business). As a result, savings are paid less. And French companies need to look more to foreign investors. Yet the tax benefits of stock ownership are important (7 billion € yearly approximately). There are as they say something wrong. Tax incentives would work they wrong?

Two major reasons for this:
The first is risk-free products (books, bonds, life insurance in euro) receive significant tax benefits and ultimately more incentives. The second: the majority of investors are not affected by any tax benefits on stocks. Less than 1% of taxpayers benefit from the tax to 19% of capital gains securities which itself accounts for almost half of total tax exemptions allocated to equities.
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The two brokerage subsidiaries of the insurance fund of Quebec, and Fundex Investia, fined $ 100 000 each for a series of breaches of compliance. In inspections and competing Fundex Investia, conducted by the Association of Mutual Fund Dealers Association of Canada (MFDA, MFDA), the self-regulatory organization has identified a series of irregularities spread over several years.

In the case of Investia, the MFDA alleges that excessive supervision inadéqate transactions (churning) obtained in 2008, had still not been corrected during the inspection in 2009. Although it has committed to establish a monthly SURVEILLANCE these transactions in 2008 Investia ceased to do so after two months.
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While China’s growth has “slowed” to 9.2% in 2011, demons threaten China and the future of its economy, according to The Economist.

Fall in net exports

According to The Economist, China still has a positive trade balance, but its net exports fell in 2011 by lowering the GDP growth of 0.5%. However, domestic consumption has nevertheless allowed the Chinese economy to grow 9.2% during the year. Alone, consumption, public and private, is half the total growth of the Chinese economy. For the first time that consumption is also important in China’s growth since 2001.
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