请教一些RRSP的问题

hardywang · Feb 14th, 2004, 11:53

如果在退休之前提早取出RRSP（比如失业等等）取出来的部分按照什么比例收税？是合到当年的总收入计算还是其他另外计算方法？
按照 ING Direct的说法，参看 http://www.ingdirect.ca/en/rspfaqs.html#19
Yes, however a withholding tax will be charged on any redeemed portion (unless redeeming under the First Home Buyers Plan or Lifelong Learning Plan). The applicable withholding tax is based on the amount withdrawn as per below as set out by the CCRA (Canada Customs and Revenue Agency)
All Provinces (except PQ)
Up to $5,000 10%
$5001 - $15,000 20%
$15,001 and over 30%
晕掉了，到底怎么计算法？

谢谢诸位高人指点。

WWW: http://hardywang.1accesshost.com
ICQ: 3359839
yours Hardy

http://www.danasoft.com/sig/HardyWang.jpg

weirdong22 · Feb 14th, 2004, 11:56

<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR>Originally posted by Hardy:
如果在退休之前提早取出RRSP（比如失业等等）取出来的部分按照什么比例收税？是合到当年的总收入计算还是其他另外计算方法？
按照 ING Direct的说法，参看 http://www.ingdirect.ca/en/rspfaqs.html#19
Yes, however a withholding tax will be charged on any redeemed portion (unless redeeming under the First Home Buyers Plan or Lifelong Learning Plan). The applicable withholding tax is based on the amount withdrawn as per below as set out by the CCRA (Canada Customs and Revenue Agency)
All Provinces (except PQ)
Up to $5,000 10%
$5001 - $15,000 20%
$15,001 and over 30%
晕掉了，到底怎么计算法？

谢谢诸位高人指点。

WWW: http://hardywang.1accesshost.com
ICQ: 3359839
yours Hardy
http://www.danasoft.com/sig/HardyWang.jpg <HR></BLOCKQUOTE>

That is for people they do not match the condition to withdraw RRSP. (Before retirement)

tc · Feb 15th, 2004, 20:51

<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR>Originally posted by Hardy:
如果在退休之前提早取出RRSP（比如失业等等）取出来的部分按照什么比例收税？是合到当年的总收入计算还是其他另外计算方法？
按照 ING Direct的说法，参看 http://www.ingdirect.ca/en/rspfaqs.html#19
Yes, however a withholding tax will be charged on any redeemed portion (unless redeeming under the First Home Buyers Plan or Lifelong Learning Plan). The applicable withholding tax is based on the amount withdrawn as per below as set out by the CCRA (Canada Customs and Revenue Agency)
All Provinces (except PQ)
Up to $5,000 10%
$5001 - $15,000 20%
$15,001 and over 30%
晕掉了，到底怎么计算法？

谢谢诸位高人指点。<HR></BLOCKQUOTE>

Yes, when ever you withdraw money from your RRSP account, it will taxed 100% as your income at the year your withdraw. The financial institution who holds your RRSP account will withholding your tax at the rate of whatever they tell you, they are right, same as your employer withholding your tax at the same rate. when you file your tax return at the end of the year, you will claim back the tax you have over paid if you income is lower.

So you should plan for your cash flow. Withdraw money from your RRSP account when you have a lower income year.
you will pay less or pay no tax at all.

"The true measure of a man is how he treats someone who can do him absolutely no good" --- Ann Landers

hardywang · Feb 16th, 2004, 06:52

继续提问啦。。。
关于RSP Spousal Plan，比如我整去年下来可以购买10,000块钱的RSP限额，但是我太太没有工作（就是说没有RRSP配额），我是否可以将这个10,000块钱限额转给太太？

谢谢！

WWW: http://hardywang.1accesshost.com
ICQ: 3359839
yours Hardy

holly911 · Feb 16th, 2004, 07:52

No, you can buy RRSP for your wife, meaning:you pay for RRSP and your wife withdraw it later. the RRSP room is still your's. not 限额转给太太.

holly

tc · Feb 17th, 2004, 09:41

<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR>Originally posted by Hardy:
继续提问啦。。。
关于RSP Spousal Plan，比如我整去年下来可以购买10,000块钱的RSP限额，但是我太太没有工作（就是说没有RRSP配额），我是否可以将这个10,000块钱限额转给太太？<HR></BLOCKQUOTE>

We do not quite understand your question. Please read my comments below, you may understand SRRSP a little bit and know what question you may have.

例如：夫挣钱，妻现在不挣钱，而且估计今后几年也不会有什么收入或只有很少的收入。

应该做的：夫开一个 RRSP 户口，投少钱或不投钱，但如计划近期买房，最多投两万，其余的都投入到妻子的 SRRSP 户口上。

妻开一个 RRSP 户口，这个户口妻子自己是供款人。一个 SRRSP 户口，这个户口，丈夫是供款人，而妻子是这个户口的 owner.

供款人对他/她所供款的户口负税务责任，无论这个户口是 RRSP 还是 SRRSP. 但供款人只对他/她供款的 SRRSP 户口负三年的责任，三年后，这个责任就可以转嫁到 SRRSP 户口的拥有人头上。

所以，若是三年内从 SRRSP 户口上取钱，这笔钱就要算到供款人头上作为供款人当年的收入而纳税。

"The true measure of a man is how he treats someone who can do him absolutely no good" --- Ann Landers

shift operator · Feb 18th, 2004, 20:48

请问TC，假如我的RRSP户口有20000存款，我给我的妻子买了20000的SPOUS RRSP，90 天之后，我和我妻子可以把这40000 取出用做首次买房的 DOWN PAYMENT 吗？

谢谢！

Insurance · Feb 19th, 2004, 04:42

请问tc，

已有房，丈夫工作，妻子不工作（或将来有工作，收入应该也不会很多）。象这种情况，该怎样买RRSP？该买哪家银行的哪种RRSP?

谢谢！

liliye · Feb 19th, 2004, 07:09

to tc:　看到一则介绍，有些问题讨教一下：

”1．供款到配偶的RRSP不占用配偶的RRSP供款限额，相反，占用供款人的额度；供款额由供款人用来抵税，不能由配偶用来抵税。比如，张三在2003年共有RRSP供款额度$10,000，他可以投全部$10,000给自己的RRSP中，或投全部$10,000给他妻子的RRSP，或者投$4,000给自己的RRSP，另外$6,000给他妻子的RRSP，只要不超过他的$10,000的限额。如果他的妻子在2003年也有$3,000的额度，她也可以给她自己的RRSP供款。那么，张三可以用这$10,000抵2002年的税或留到以后抵税，他妻子的$3,000她自己可以抵税，张三不能用她的$3,000来抵他的税。”

以上理解是否正确？也就是说张三能用来抵扣自己税额的ＲＲＳＰ额度上限只能是自己的$10000而不是加上配偶的$13000.他可以买自己额度内的ＲＲＳＰ放在配偶的ＲＲＳＰ帐户内。
如此的话，如果配偶一方没有收入因而没有ＲＲＳＰ额度也可开设ＲＲＳＰ账号让收入高的一方供款，而且在３年后取出只安低收入的一方扣税。
以上面张三为例，他可不可以把全部$10000额度都买在配偶的ＲＲＳＰ账号内，３年后取出只按配偶的税率交税。（假设配偶到时是低收入）

请指正，谢谢。

liliye · Feb 19th, 2004, 07:22

不好意思，没看仔细就发贴了。再看了一下你上面的回贴，我想Hardy问的，你的回答，以及我的第二问题，说的是一回事。

quote:
--------------------------------------------------------------------------------
Originally posted by Hardy:
继续提问啦。。。
关于RSP Spousal Plan，比如我整去年下来可以购买10,000块钱的RSP限额，但是我太太没有工作（就是说没有RRSP配额），我是否可以将这个10,000块钱限额转给太太？
--------------------------------------------------------------------------------
Originally posted by tc:

例如：夫挣钱，妻现在不挣钱，而且估计今后几年也不会有什么收入或只有很少的收入。

应该做的：夫开一个 RRSP 户口，投少钱或不投钱，但如计划近期买房，最多投两万，其余的都投入到妻子的 SRRSP 户口上。

妻开一个 RRSP 户口，这个户口妻子自己是供款人。一个 SRRSP 户口，这个户口，丈夫是供款人，而妻子是这个户口的 owner.

供款人对他/她所供款的户口负税务责任，无论这个户口是 RRSP 还是 SRRSP. 但供款人只对他/她供款的 SRRSP 户口负三年的责任，三年后，这个责任就可以转嫁到 SRRSP 户口的拥有人头上。

所以，若是三年内从 SRRSP 户口上取钱，这笔钱就要算到供款人头上作为供款人当年的收入而纳税。
--------------------------------------
Originally posted by liliye :

<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR> 如此的话，如果配偶一方没有收入因而没有ＲＲＳＰ额度也可开设ＲＲＳＰ账号让收入高的一方供款，而且在３年后取出只安低收入的一方扣税。
以上面张三为例，他可不可以把全部$10000额度都买在配偶的ＲＲＳＰ账号内，３年后取出只按配偶的税率交税。（假设配偶到时是低收入）<HR></BLOCKQUOTE>
----------------------------------

tc · Feb 19th, 2004, 21:10

<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR>Originally posted by shift operator:
请问TC，假如我的RRSP户口有20000存款，我给我的妻子买了20000的SPOUS RRSP，90 天之后，我和我妻子可以把这40000 取出用做首次买房的 DOWN PAYMENT 吗？谢谢！<HR></BLOCKQUOTE>

Good question, I will let your know tomorrow.

"The true measure of a man is how he treats someone who can do him absolutely no good" --- Ann Landers

tc · Feb 19th, 2004, 21:41

<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR>Originally posted by Insurance:
请问tc，

已有房，丈夫工作，妻子不工作（或将来有工作，收入应该也不会很多）。象这种情况，该怎样买RRSP？该买哪家银行的哪种RRSP?谢谢！<HR></BLOCKQUOTE>

For the 1st question, please read my comments in this forum dated Feb. 17th.

For the 2nd question, let me anwser you with my question:
假如我有一个 30 斤粮食的配给粮证，我想让你告诉我在那个粮店（假设所有粮店都是国家粮店，销售类似的粮食）买那种粮食好呢？

是不是去我喜欢的，离我近的，方便的，服务好的粮店买我爱吃的那重粮食好？对吗？

RRSP 就像一个配给粮证，你可以买大米，小米，玉米，凡是政府规定可以成为粮食的东西。

"The true measure of a man is how he treats someone who can do him absolutely no good" --- Ann Landers

tc · Feb 19th, 2004, 21:59

补充一句：

RRSP 可以买 GIC, Bond, Mutual Funds, Stocks, etc.

You can buy from me and I promise you that I will provide the best services.

"The true measure of a man is how he treats someone who can do him absolutely no good" --- Ann Landers

tulipa · Feb 20th, 2004, 06:44

<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR>Originally posted by tc:
<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR>Originally posted by shift operator:
请问TC，假如我的RRSP户口有20000存款，我给我的妻子买了20000的SPOUS RRSP，90 天之后，我和我妻子可以把这40000 取出用做首次买房的 DOWN PAYMENT 吗？谢谢！<HR></BLOCKQUOTE>

Good question, I will let your know tomorrow.

"The true measure of a man is how he treats someone who can do him absolutely no good" --- Ann Landers
<HR></BLOCKQUOTE>

我也有同样的疑问，等待你的进一步回答哦。当然，我问的是第一次买房的情况

tc · Feb 20th, 2004, 14:43

<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR>Originally posted by shift operator:
请问TC，假如我的RRSP户口有20000存款，我给我的妻子买了20000的SPOUS RRSP，90 天之后，我和我妻子可以把这40000 取出用做首次买房的 DOWN PAYMENT 吗？谢谢！<HR></BLOCKQUOTE>

Yes! Both of you can withdraw money from your RRSP account and your wife's SRRSP account for $20000 each, but both of you have to repay it back within 15 years, provided with both of you are the first time to buy your home.

If you do not pay it back on time, there is a tax consequence.

"The true measure of a man is how he treats someone who can do him absolutely no good" --- Ann Landers

HHH · Feb 20th, 2004, 15:45

<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR>Originally posted by tc:
<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR>Originally posted by shift operator:
请问TC，假如我的RRSP户口有20000存款，我给我的妻子买了20000的SPOUS RRSP，90 天之后，我和我妻子可以把这40000 取出用做首次买房的 DOWN PAYMENT 吗？谢谢！<HR></BLOCKQUOTE>

Yes! Both of you can withdraw money from your RRSP account and your wife's SRRSP account for $20000 each, but both of you have to repay it back within 15 years, provided with both of you are the first time to buy your home.

If you do not pay it back on time, there is a tax consequence.

"The true measure of a man is how he treats someone who can do him absolutely no good" --- Ann Landers
<HR></BLOCKQUOTE>

tc, I thought you are wrong. below was you said:
Originally posted by tc:

例如：夫挣钱，妻现在不挣钱，而且估计今后几年也不会有什么收入或只有很少的收入。

应该做的：夫开一个 RRSP 户口，投少钱或不投钱，但如计划近期买房，最多投两万，其余的都投入到妻子的 SRRSP 户口上。

妻开一个 RRSP 户口，这个户口妻子自己是供款人。一个 SRRSP 户口，这个户口，丈夫是供款人，而妻子是这个户口的 owner.

供款人对他/她所供款的户口负税务责任，无论这个户口是 RRSP 还是 SRRSP. 但供款人只对他/她供款的 SRRSP 户口负三年的责任，三年后，这个责任就可以转嫁到 SRRSP 户口的拥有人头上。

所以，若是三年内从 SRRSP 户口上取钱，这笔钱就要算到供款人头上作为供款人当年的收入而纳税。
-----------------
So this $40K should all be the husband's quota after 90 days in 3 years. The answer should be 'NO'.

=======================================
If I could help you, I would help you.
=======================================

tc · Feb 20th, 2004, 21:17

<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR>Originally posted by HHH:
tc, I thought you are wrong. below was you said:
Originally posted by tc:

例如：夫挣钱，妻现在不挣钱，而且估计今后几年也不会有什么收入或只有很少的收入。

应该做的：夫开一个 RRSP 户口，投少钱或不投钱，但如计划近期买房，最多投两万，其余的都投入到妻子的 SRRSP 户口上。

妻开一个 RRSP 户口，这个户口妻子自己是供款人。一个 SRRSP 户口，这个户口，丈夫是供款人，而妻子是这个户口的 owner.

供款人对他/她所供款的户口负税务责任，无论这个户口是 RRSP 还是 SRRSP. 但供款人只对他/她供款的 SRRSP 户口负三年的责任，三年后，这个责任就可以转嫁到 SRRSP 户口的拥有人头上。

所以，若是三年内从 SRRSP 户口上取钱，这笔钱就要算到供款人头上作为供款人当年的收入而纳税。
-----------------
So this $40K should all be the husband's quota after 90 days in 3 years. The answer should be 'NO'.<HR></BLOCKQUOTE>

The money is not out of RRSP, it is the "Home Buyer's Plan" and it is under the RRSP rules, there is no tax consquence as long as you meet the requirment of the Plan and you are repay it back on time.

"The true measure of a man is how he treats someone who can do him absolutely no good" --- Ann Landers

Feb 14th, 2004, 11:56	只看该作者 #2
weirdong22 Junior Member 注册日期: Jul 2004 帖子: 9 声望: 0	<BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by Hardy: 如果在退休之前提早取出RRSP（比如失业等等）取出来的部分按照什么比例收税？是合到当年的总收入计算还是其他另外计算方法？按照 ING Direct的说法，参看 http://www.ingdirect.ca/en/rspfaqs.html#19 Yes, however a withholding tax will be charged on any redeemed portion (unless redeeming under the First Home Buyers Plan or Lifelong Learning Plan). The applicable withholding tax is based on the amount withdrawn as per below as set out by the CCRA (Canada Customs and Revenue Agency) All Provinces (except PQ) Up to $5,000 10% $5001 - $15,000 20% $15,001 and over 30% 晕掉了，到底怎么计算法？谢谢诸位高人指点。 WWW: http://hardywang.1accesshost.com ICQ: 3359839 yours Hardy http://www.danasoft.com/sig/HardyWang.jpg <HR></BLOCKQUOTE> That is for people they do not match the condition to withdraw RRSP. (Before retirement)
weirdong22 Junior Member 注册日期: Jul 2004 帖子: 9 声望: 0

Feb 15th, 2004, 20:51	只看该作者 #3
tc Senior Member 注册日期: Jul 2004 帖子: 187 声望: 0	<BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by Hardy: 如果在退休之前提早取出RRSP（比如失业等等）取出来的部分按照什么比例收税？是合到当年的总收入计算还是其他另外计算方法？按照 ING Direct的说法，参看 http://www.ingdirect.ca/en/rspfaqs.html#19 Yes, however a withholding tax will be charged on any redeemed portion (unless redeeming under the First Home Buyers Plan or Lifelong Learning Plan). The applicable withholding tax is based on the amount withdrawn as per below as set out by the CCRA (Canada Customs and Revenue Agency) All Provinces (except PQ) Up to $5,000 10% $5001 - $15,000 20% $15,001 and over 30% 晕掉了，到底怎么计算法？谢谢诸位高人指点。<HR></BLOCKQUOTE> Yes, when ever you withdraw money from your RRSP account, it will taxed 100% as your income at the year your withdraw. The financial institution who holds your RRSP account will withholding your tax at the rate of whatever they tell you, they are right, same as your employer withholding your tax at the same rate. when you file your tax return at the end of the year, you will claim back the tax you have over paid if you income is lower. So you should plan for your cash flow. Withdraw money from your RRSP account when you have a lower income year. you will pay less or pay no tax at all. "The true measure of a man is how he treats someone who can do him absolutely no good" --- Ann Landers
tc Senior Member 注册日期: Jul 2004 帖子: 187 声望: 0

Feb 17th, 2004, 09:41	只看该作者 #6
tc Senior Member 注册日期: Jul 2004 帖子: 187 声望: 0	<BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by Hardy: 继续提问啦。。。关于RSP Spousal Plan，比如我整去年下来可以购买10,000块钱的RSP限额，但是我太太没有工作（就是说没有RRSP配额），我是否可以将这个10,000块钱限额转给太太？<HR></BLOCKQUOTE> We do not quite understand your question. Please read my comments below, you may understand SRRSP a little bit and know what question you may have. 例如：夫挣钱，妻现在不挣钱，而且估计今后几年也不会有什么收入或只有很少的收入。应该做的：夫开一个 RRSP 户口，投少钱或不投钱，但如计划近期买房，最多投两万，其余的都投入到妻子的 SRRSP 户口上。妻开一个 RRSP 户口，这个户口妻子自己是供款人。一个 SRRSP 户口，这个户口，丈夫是供款人，而妻子是这个户口的 owner. 供款人对他/她所供款的户口负税务责任，无论这个户口是 RRSP 还是 SRRSP. 但供款人只对他/她供款的 SRRSP 户口负三年的责任，三年后，这个责任就可以转嫁到 SRRSP 户口的拥有人头上。所以，若是三年内从 SRRSP 户口上取钱，这笔钱就要算到供款人头上作为供款人当年的收入而纳税。 "The true measure of a man is how he treats someone who can do him absolutely no good" --- Ann Landers
tc Senior Member 注册日期: Jul 2004 帖子: 187 声望: 0

Feb 19th, 2004, 04:42	只看该作者 #8
Insurance Member 注册日期: Jul 2004 帖子: 33 声望: 0	请问tc，已有房，丈夫工作，妻子不工作（或将来有工作，收入应该也不会很多）。象这种情况，该怎样买RRSP？该买哪家银行的哪种RRSP? 谢谢！
Insurance Member 注册日期: Jul 2004 帖子: 33 声望: 0

Feb 19th, 2004, 07:09	只看该作者 #9
liliye Junior Member 注册日期: Jul 2004 帖子: 7 声望: 0	to tc:　看到一则介绍，有些问题讨教一下： ”1．供款到配偶的RRSP不占用配偶的RRSP供款限额，相反，占用供款人的额度；供款额由供款人用来抵税，不能由配偶用来抵税。比如，张三在2003年共有RRSP供款额度$10,000，他可以投全部$10,000给自己的RRSP中，或投全部$10,000给他妻子的RRSP，或者投$4,000给自己的RRSP，另外$6,000给他妻子的RRSP，只要不超过他的$10,000的限额。如果他的妻子在2003年也有$3,000的额度，她也可以给她自己的RRSP供款。那么，张三可以用这$10,000抵2002年的税或留到以后抵税，他妻子的$3,000她自己可以抵税，张三不能用她的$3,000来抵他的税。” 以上理解是否正确？也就是说张三能用来抵扣自己税额的ＲＲＳＰ额度上限只能是自己的$10000而不是加上配偶的$13000.他可以买自己额度内的ＲＲＳＰ放在配偶的ＲＲＳＰ帐户内。如此的话，如果配偶一方没有收入因而没有ＲＲＳＰ额度也可开设ＲＲＳＰ账号让收入高的一方供款，而且在３年后取出只安低收入的一方扣税。以上面张三为例，他可不可以把全部$10000额度都买在配偶的ＲＲＳＰ账号内，３年后取出只按配偶的税率交税。（假设配偶到时是低收入）请指正，谢谢。
liliye Junior Member 注册日期: Jul 2004 帖子: 7 声望: 0

Feb 14th, 2004, 11:53	#1
hardywang 在青麦地上跑着 / 雪和太阳的光芒注册日期: Jul 2004 住址: Kilimanjaro 帖子: 9,428 积分:24 精华:16	如果在退休之前提早取出RRSP（比如失业等等）取出来的部分按照什么比例收税？是合到当年的总收入计算还是其他另外计算方法？按照 ING Direct的说法，参看 http://www.ingdirect.ca/en/rspfaqs.html#19 Yes, however a withholding tax will be charged on any redeemed portion (unless redeeming under the First Home Buyers Plan or Lifelong Learning Plan). The applicable withholding tax is based on the amount withdrawn as per below as set out by the CCRA (Canada Customs and Revenue Agency) All Provinces (except PQ) Up to $5,000 10% $5001 - $15,000 20% $15,001 and over 30% 晕掉了，到底怎么计算法？谢谢诸位高人指点。 WWW: http://hardywang.1accesshost.com ICQ: 3359839 yours Hardy

Feb 16th, 2004, 06:52	只看该作者 #4
hardywang 在青麦地上跑着 / 雪和太阳的光芒注册日期: Jul 2004 住址: Kilimanjaro 帖子: 9,428 积分:24 精华:16 声望: 7498223	继续提问啦。。。关于RSP Spousal Plan，比如我整去年下来可以购买10,000块钱的RSP限额，但是我太太没有工作（就是说没有RRSP配额），我是否可以将这个10,000块钱限额转给太太？谢谢！ WWW: http://hardywang.1accesshost.com ICQ: 3359839 yours Hardy

Feb 16th, 2004, 07:52	只看该作者 #5
holly911 Senior Member 注册日期: Jul 2004 帖子: 553 积分:11 精华:3 声望: 92	No, you can buy RRSP for your wife, meaning:you pay for RRSP and your wife withdraw it later. the RRSP room is still your's. not 限额转给太太. holly

Feb 18th, 2004, 20:48	只看该作者 #7
shift operator Senior Member 注册日期: Jul 2004 帖子: 336 声望: 231	请问TC，假如我的RRSP户口有20000存款，我给我的妻子买了20000的SPOUS RRSP，90 天之后，我和我妻子可以把这40000 取出用做首次买房的 DOWN PAYMENT 吗？谢谢！

Feb 19th, 2004, 07:22	只看该作者 #10
liliye Junior Member 注册日期: Jul 2004 帖子: 7 声望: 0	不好意思，没看仔细就发贴了。再看了一下你上面的回贴，我想Hardy问的，你的回答，以及我的第二问题，说的是一回事。 quote: -------------------------------------------------------------------------------- Originally posted by Hardy: 继续提问啦。。。关于RSP Spousal Plan，比如我整去年下来可以购买10,000块钱的RSP限额，但是我太太没有工作（就是说没有RRSP配额），我是否可以将这个10,000块钱限额转给太太？ -------------------------------------------------------------------------------- Originally posted by tc: 例如：夫挣钱，妻现在不挣钱，而且估计今后几年也不会有什么收入或只有很少的收入。应该做的：夫开一个 RRSP 户口，投少钱或不投钱，但如计划近期买房，最多投两万，其余的都投入到妻子的 SRRSP 户口上。妻开一个 RRSP 户口，这个户口妻子自己是供款人。一个 SRRSP 户口，这个户口，丈夫是供款人，而妻子是这个户口的 owner. 供款人对他/她所供款的户口负税务责任，无论这个户口是 RRSP 还是 SRRSP. 但供款人只对他/她供款的 SRRSP 户口负三年的责任，三年后，这个责任就可以转嫁到 SRRSP 户口的拥有人头上。所以，若是三年内从 SRRSP 户口上取钱，这笔钱就要算到供款人头上作为供款人当年的收入而纳税。 -------------------------------------- Originally posted by liliye : <BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR> 如此的话，如果配偶一方没有收入因而没有ＲＲＳＰ额度也可开设ＲＲＳＰ账号让收入高的一方供款，而且在３年后取出只安低收入的一方扣税。以上面张三为例，他可不可以把全部$10000额度都买在配偶的ＲＲＳＰ账号内，３年后取出只按配偶的税率交税。（假设配偶到时是低收入）<HR></BLOCKQUOTE> ----------------------------------
liliye Junior Member 注册日期: Jul 2004 帖子: 7 声望: 0

Feb 19th, 2004, 21:10	只看该作者 #11
tc Senior Member 注册日期: Jul 2004 帖子: 187 声望: 0	<BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by shift operator: 请问TC，假如我的RRSP户口有20000存款，我给我的妻子买了20000的SPOUS RRSP，90 天之后，我和我妻子可以把这40000 取出用做首次买房的 DOWN PAYMENT 吗？谢谢！<HR></BLOCKQUOTE> Good question, I will let your know tomorrow. "The true measure of a man is how he treats someone who can do him absolutely no good" --- Ann Landers
tc Senior Member 注册日期: Jul 2004 帖子: 187 声望: 0

Feb 19th, 2004, 21:41	只看该作者 #12
tc Senior Member 注册日期: Jul 2004 帖子: 187 声望: 0	<BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by Insurance: 请问tc，已有房，丈夫工作，妻子不工作（或将来有工作，收入应该也不会很多）。象这种情况，该怎样买RRSP？该买哪家银行的哪种RRSP?谢谢！<HR></BLOCKQUOTE> For the 1st question, please read my comments in this forum dated Feb. 17th. For the 2nd question, let me anwser you with my question: 假如我有一个 30 斤粮食的配给粮证，我想让你告诉我在那个粮店（假设所有粮店都是国家粮店，销售类似的粮食）买那种粮食好呢？是不是去我喜欢的，离我近的，方便的，服务好的粮店买我爱吃的那重粮食好？对吗？ RRSP 就像一个配给粮证，你可以买大米，小米，玉米，凡是政府规定可以成为粮食的东西。 "The true measure of a man is how he treats someone who can do him absolutely no good" --- Ann Landers
tc Senior Member 注册日期: Jul 2004 帖子: 187 声望: 0

Feb 19th, 2004, 21:59	只看该作者 #13
tc Senior Member 注册日期: Jul 2004 帖子: 187 声望: 0	补充一句： RRSP 可以买 GIC, Bond, Mutual Funds, Stocks, etc. You can buy from me and I promise you that I will provide the best services. "The true measure of a man is how he treats someone who can do him absolutely no good" --- Ann Landers
tc Senior Member 注册日期: Jul 2004 帖子: 187 声望: 0

Feb 20th, 2004, 06:44	只看该作者 #14
tulipa Senior Member 注册日期: Jul 2004 住址: NORTH YORK 帖子: 2,718 积分:10 精华:7 声望: 31291209	<BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by tc: <BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by shift operator: 请问TC，假如我的RRSP户口有20000存款，我给我的妻子买了20000的SPOUS RRSP，90 天之后，我和我妻子可以把这40000 取出用做首次买房的 DOWN PAYMENT 吗？谢谢！<HR></BLOCKQUOTE> Good question, I will let your know tomorrow. "The true measure of a man is how he treats someone who can do him absolutely no good" --- Ann Landers <HR></BLOCKQUOTE> 我也有同样的疑问，等待你的进一步回答哦。当然，我问的是第一次买房的情况

Feb 20th, 2004, 14:43	只看该作者 #15
tc Senior Member 注册日期: Jul 2004 帖子: 187 声望: 0	<BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by shift operator: 请问TC，假如我的RRSP户口有20000存款，我给我的妻子买了20000的SPOUS RRSP，90 天之后，我和我妻子可以把这40000 取出用做首次买房的 DOWN PAYMENT 吗？谢谢！<HR></BLOCKQUOTE> Yes! Both of you can withdraw money from your RRSP account and your wife's SRRSP account for $20000 each, but both of you have to repay it back within 15 years, provided with both of you are the first time to buy your home. If you do not pay it back on time, there is a tax consequence. "The true measure of a man is how he treats someone who can do him absolutely no good" --- Ann Landers
tc Senior Member 注册日期: Jul 2004 帖子: 187 声望: 0

Feb 20th, 2004, 15:45	只看该作者 #16
HHH Senior Member 注册日期: Jul 2004 帖子: 505 声望: 687829	<BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by tc: <BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by shift operator: 请问TC，假如我的RRSP户口有20000存款，我给我的妻子买了20000的SPOUS RRSP，90 天之后，我和我妻子可以把这40000 取出用做首次买房的 DOWN PAYMENT 吗？谢谢！<HR></BLOCKQUOTE> Yes! Both of you can withdraw money from your RRSP account and your wife's SRRSP account for $20000 each, but both of you have to repay it back within 15 years, provided with both of you are the first time to buy your home. If you do not pay it back on time, there is a tax consequence. "The true measure of a man is how he treats someone who can do him absolutely no good" --- Ann Landers <HR></BLOCKQUOTE> tc, I thought you are wrong. below was you said: Originally posted by tc: 例如：夫挣钱，妻现在不挣钱，而且估计今后几年也不会有什么收入或只有很少的收入。应该做的：夫开一个 RRSP 户口，投少钱或不投钱，但如计划近期买房，最多投两万，其余的都投入到妻子的 SRRSP 户口上。妻开一个 RRSP 户口，这个户口妻子自己是供款人。一个 SRRSP 户口，这个户口，丈夫是供款人，而妻子是这个户口的 owner. 供款人对他/她所供款的户口负税务责任，无论这个户口是 RRSP 还是 SRRSP. 但供款人只对他/她供款的 SRRSP 户口负三年的责任，三年后，这个责任就可以转嫁到 SRRSP 户口的拥有人头上。所以，若是三年内从 SRRSP 户口上取钱，这笔钱就要算到供款人头上作为供款人当年的收入而纳税。 ----------------- So this $40K should all be the husband's quota after 90 days in 3 years. The answer should be 'NO'. ======================================= If I could help you, I would help you. =======================================
HHH Senior Member 注册日期: Jul 2004 帖子: 505 声望: 687829

Feb 20th, 2004, 21:17	只看该作者 #17
tc Senior Member 注册日期: Jul 2004 帖子: 187 声望: 0	<BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by HHH: tc, I thought you are wrong. below was you said: Originally posted by tc: 例如：夫挣钱，妻现在不挣钱，而且估计今后几年也不会有什么收入或只有很少的收入。应该做的：夫开一个 RRSP 户口，投少钱或不投钱，但如计划近期买房，最多投两万，其余的都投入到妻子的 SRRSP 户口上。妻开一个 RRSP 户口，这个户口妻子自己是供款人。一个 SRRSP 户口，这个户口，丈夫是供款人，而妻子是这个户口的 owner. 供款人对他/她所供款的户口负税务责任，无论这个户口是 RRSP 还是 SRRSP. 但供款人只对他/她供款的 SRRSP 户口负三年的责任，三年后，这个责任就可以转嫁到 SRRSP 户口的拥有人头上。所以，若是三年内从 SRRSP 户口上取钱，这笔钱就要算到供款人头上作为供款人当年的收入而纳税。 ----------------- So this $40K should all be the husband's quota after 90 days in 3 years. The answer should be 'NO'.<HR></BLOCKQUOTE> The money is not out of RRSP, it is the "Home Buyer's Plan" and it is under the RRSP rules, there is no tax consquence as long as you meet the requirment of the Plan and you are repay it back on time. "The true measure of a man is how he treats someone who can do him absolutely no good" --- Ann Landers
tc Senior Member 注册日期: Jul 2004 帖子: 187 声望: 0