Jun 25th, 2004, 17:49 | #1 |
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注册日期: Jul 2004
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1。有个人说2003年错买成2002年的了,应该买的是2001年的。 现在2004,我2002年没收入,2003年有,税报回来上面有rrsp的contribution数额,难道要明年2005年才能买吗? 2。 从rrsp账号里取2万的那个帖子也没看懂,之后逐年还,还的那个1200刀每年,到底是否减税? 3 有几个说操作出错的帖子,难道钱不能随便从普通账号和rrsp账号间转来转去吗?比如我分次把contribution转入rrsp账号,年内发现用钱就转回一部分,年末前再转回去之类的。 谢谢。 |
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Jun 25th, 2004, 19:52 | 只看该作者 #2 |
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<BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by linshell: 1。有个人说2003年错买成2002年的了,应该买的是2001年的。 现在2004,我2002年没收入,2003年有,税报回来上面有rrsp的contribution数额,难道要明年2005年才能买吗? 2。 从rrsp账号里取2万的那个帖子也没看懂,之后逐年还,还的那个1200刀每年,到底是否减税? 3 有几个说操作出错的帖子,难道钱不能随便从普通账号和rrsp账号间转来转去吗?比如我分次把contribution转入rrsp账号,年内发现用钱就转回一部分,年末前再转回去之类的。 谢谢。 <HR></BLOCKQUOTE> 1. No. You can buy 2003's RSP this year. The idea is you may choose not buy it in 2004 but wait until 2005. 2. RSP repayment will not be TAX free. 3. Once the money goes to your RSP account it is not easy to take it out. You may face 20% penalty if you withdraw it. |
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Jun 26th, 2004, 08:04 | 只看该作者 #4 |
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For the 20K you contributed into your RSP, you already got tax deduction at that year, why would you think you can get deduction again when you repay the money in RSP?? For all the money you take out from RSP must pay tax, RSP is not tax free, it just tax defer. |
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