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谁知道CANADA RIT/RIF是个什么单位?是税务局还是发退休金的地方?多谢!
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只看该作者 #2 |
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The Canada RIF is a no-fee registered retirement income fund (RRIF) designed specifically for holding the Canada Premium Bond (CPB) and the Canada Savings Bond (CSB) directly in a RRIF. When the time comes to transfer your RRSP funds to a RRIF, The Canada RIF offers you the safety and security you need for your retirement income. The Canada RIF: • allows your savings to retain their tax deferred status until they are withdrawn; • allows you to control the timing and amount of the withdrawals (subject to an annual minimum amount required by law); and • has no fees of any kind. The Canada RIF is the next logical step when the time comes to enjoy your retirement savings and investments. It's a no fee, no hassle way to get the most for your well-planned retirement. When you select the RRIF option for your Canada Savings Bonds, you transfer your RRSP savings into The Canada RIF. At any time, you may transfer in kind Canada Savings Bonds (the CPB and the CSB) held in a self-directed RRSP or RRIF by visiting the financial institution currently administrating your RRSP or RRIF. During any sales campaign, you can transfer the proceeds (except locked-in funds) from another RRSP or RRIF to The Canada RIF to purchase the CPB and the CSB by visiting the financial institution currently administering your RRIF and having them initiate a transfer request. The minimum transfer amount to The Canada RIF is $500. By law, you are not eligible to hold an RRSP beyond December 31st of the year in which you reach the age of 69. By that time, you must arrange to transfer the proceeds of your RRSP into a RRIF or an annuity that provides you with a retirement income, or you must withdraw the funds and pay income tax on the total proceeds. |
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感谢 ChinaSmileJoe 此篇文章之用户: |
我是老尸 (Apr 9th, 2010) |
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只看该作者 #6 |
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加拿大 RIF 是一个无-费注册的退休收入基金 (RRIF) 专为持有加拿大高级债券 (体外循环) 和加拿大储蓄债券 (公务员事务局) 直接在一个 RRIF。 时间您 RRSP 的资金转移到一个 RRIF 时的加拿大 RIF 提供了您安全和安全需要为你的退休收入。 在加拿大 RIF: • 让您节省保留其税延迟状态,直到它们撤回 ; • 允许您控制 (取决于一个每年最低金额须按法例规定) ; 提款的金额和时间和 • 有没有任何种类的费用。 加拿大 RIF 是下一个逻辑步骤,在适当的时候,享受你的退休储蓄和投资。 它是一个免费不麻烦能最获取您经过周密计划的退休。 当您在中选择 RRIF 选项的加拿大储蓄债券时您将转移到加拿大的 RIF RRSP 储蓄。 在任何的时间可以转让实物加拿大储蓄债券 (防止罪案科与公务员事务局) 通过访问当前管理您的 RRSP 或 RRIF 的金融机构举行一个自主的 RRSP 或 RRIF 中。 任何销售的活动期间可以将从另一个 RRSP 或 RRIF (除外锁定的基金) 收益传送到的加拿大 RIF 通过访问当前管理您的 RRIF 的金融机构购买防止罪案科与公务员事务局,并让它们启动传输请求。 「 加拿大 RIF 最小的转让金额是 500 元。 依法,你不是资格领取超过 12 月 31 日年度直到 69 岁的一个 RRSP。 那的时间由你必须安排转移到一个 RRIF 或年金,它为您提供一个退休收入的您的 RRSP 的收益或您必须撤回资金和薪酬收入税的总收益。 |
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感谢 oldcobol 此篇文章之用户: |
我是老尸 (Apr 10th, 2010) |
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只看该作者 #7 |
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加拿大间质纤维化是不收费的注册退休收入基金(RRIF)专为持有加拿大高级债券(体外循环)和加拿大储蓄债券(公务员事务局)直接在RRIF设计。届时将您的注册退休储蓄计划的资金为RRIF,加拿大间质纤维化为您提供安全和保障为您的退休收入的需要。 加拿大间质纤维化: •让您的储蓄来保持他们的税务递延地位,直到他们被撤销; •让您可以控制的时间和提款(须每年由法律规定的最低数额)份量; •有任何形式的任何费用。 加拿大间质纤维化是下一个合乎逻辑的步骤在时机成熟时享受您的退休储蓄和投资。这是一个不收取任何费用,没有麻烦的方法来获得你的精心策划退休最。 当您选择为您的加拿大储蓄债券RRIF选项,你转移到加拿大RIF盲您的RRSP储蓄。在任何时候,您可能会转移实物加拿大储蓄债券(防止罪案科及公务员事务局)在自我导向RRIF注册退休储蓄计划或通过访问举行的金融机构目前依法治您的RRSP或RRIF。在任何促销活动,您可以转让收益(除锁定在资金)从另一个注册退休储蓄计划或RRIF到加拿大间质纤维化购买该科的访问和公务员事务局目前管理的金融机构和有他们的RRIF启动传输的要求。最低转让金额加拿大间质纤维化是500美元。 根据法律规定,你没有资格持有注册退休储蓄计划在今年12月以后在您达到69岁31日。到那时,你必须安排转成RRIF或年金提供退休收入,你或你必须撤离的资金和支付的总收入所得税的您的RRSP的收益。 |
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感谢 oldcobol 此篇文章之用户: |
我是老尸 (Apr 10th, 2010) |
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只看该作者 #13 |
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还以为你是在琢磨投资策略之类的,提前关注RIF:) 如果只是RIT,如12楼所说,那是政府“犒赏”你的,安心受用就是(除非是他们搞错了,那他们迟早有可能会再找你要回去的!:)) 关于RIF,再附点儿信息供参考: RIF Essentials What is a RIF? Think of a RIF as an RSP in reverse. Instead of contributing to your retirement savings, you use a RIF to withdraw income for retirement. The untouched portion continues to grow tax-sheltered, just as it does in an RSP. You can no longer contribute new tax-deductible funds, but you can manage your investments in the same way you do with an RSP. You can convert RSP savings into a RIF any time. But you must convert your RSP to a RIF or other income option by the end of the year in which you turn 71. |
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