请教tc等DX,有关RRSP

autumnkids · Feb 14th, 2004, 16:44

我上年的纳税收入<7500,我到底该不该买RRSP啊?谢谢

[This message was edited by autumnkids on February 14, 2004 at 18:49.]

冬青 · Feb 14th, 2004, 18:55

当然不买。留到以后有抵税时再买。

***别听我瞎说***

wazzup · Feb 15th, 2004, 06:50

买，但不申报，等到收入高的时候再申报抵税。因为RRSP的钱是免税滚动的。呵呵，昨晚看了一晚的RRSP，先显显，等大侠指正。

HHH · Feb 15th, 2004, 07:34

怎么能

<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR> 买，但不申报 <HR></BLOCKQUOTE>

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

autumnkids · Feb 15th, 2004, 16:46

<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR>Originally posted by 冬青:
当然不买。留到以后有抵税时再买。

<HR></BLOCKQUOTE>
追溯期限是几年啊?

*****One can never consent to creep when one feels an impulse to soar.----Helen Keller*****

autumnkids · Feb 15th, 2004, 16:47

<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR>Originally posted by WAZZUP:
买，但不申报，等到收入高的时候再申报抵税。因为RRSP的钱是免税滚动的。呵呵，昨晚看了一晚的RRSP，先显显，等大侠指正。<HR></BLOCKQUOTE>

能行吗?不会算我欺骗政府吧?

*****One can never consent to creep when one feels an impulse to soar.----Helen Keller*****

tc · Feb 15th, 2004, 20:14

<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR>Originally posted by autumnkids:
我上年的纳税收入<7500,我到底该不该买RRSP啊?谢谢<HR></BLOCKQUOTE>

Yes, you should buy as long as you have room, but you do not want to claim it this year due to your taxable income is very lower, keep it for your future use when you have a higher income.

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

autumnkids · Feb 16th, 2004, 16:55

真的可以这样?不错不错,谢谢

*****One can never consent to creep when one feels an impulse to soar.----Helen Keller*****

TjHong · Feb 16th, 2004, 18:14

<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR>Originally posted by WAZZUP:
买，但不申报，等到收入高的时候再申报抵税。因为RRSP的钱是免税滚动的。呵呵，昨晚看了一晚的RRSP，先显显，等大侠指正。<HR></BLOCKQUOTE>

钱烧的慌？
RRSP的配额是滚动的，也就是说现在不买你的权利不会过期，等到将来高收入时再买吧。
个人认为<30000CAD/年不值得买。

newdriver · Feb 17th, 2004, 15:22

不能多买，超过你今年的额度2000的话政府是会罚你款的

wazzup · Feb 17th, 2004, 17:25

K, 你理解的不对

<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR>Originally posted by TjHong:
<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR>Originally posted by WAZZUP:
买，但不申报，等到收入高的时候再申报抵税。因为RRSP的钱是免税滚动的。呵呵，昨晚看了一晚的RRSP，先显显，等大侠指正。<HR></BLOCKQUOTE>

钱烧的慌？
RRSP的配额是滚动的，也就是说现在不买你的权利不会过期，等到将来高收入时再买吧。
个人认为<30000CAD/年不值得买。<HR></BLOCKQUOTE>

HappyRoad · Feb 18th, 2004, 10:45

理解不对？
现在很多银行提醒大家购买RRSP是从投资回报的角度而言的吧？那确实是要余钱太多找出路寻求回报才要赶紧买的，因为其投资回报取出前不需纳税。
假如主要目的仅用于退税申报，额度是可以滚动累计的。有何必要急着买？
所以，我的理解是：假如不想申报去年退税，是否要买RRSP，要看你是否有太多钱？这对不对呢？
<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR>Originally posted by WAZZUP:
K, 你理解的不对

<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR>Originally posted by TjHong:
<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR>Originally posted by WAZZUP:
买，但不申报，等到收入高的时候再申报抵税。因为RRSP的钱是免税滚动的。呵呵，昨晚看了一晚的RRSP，先显显，等大侠指正。<HR></BLOCKQUOTE>

钱烧的慌？
RRSP的配额是滚动的，也就是说现在不买你的权利不会过期，等到将来高收入时再买吧。
个人认为<30000CAD/年不值得买。<HR></BLOCKQUOTE><HR></BLOCKQUOTE>

枯藤老树昏鸦，
小桥流水人家，
西风古道瘦马。
夕阳西下，断肠人在天涯。

wazzup · Feb 19th, 2004, 15:20

好吧，退税是一样的。但买可以免税增值，即使是只赚利息。
也许你可以说这是太过与精打细算了，但绝对不是钱烧得慌啊。你说呢？

<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR>Originally posted by HappyRoad:
理解不对？
现在很多银行提醒大家购买RRSP是从投资回报的角度而言的吧？那确实是要余钱太多找出路寻求回报才要赶紧买的，因为其投资回报取出前不需纳税。
假如主要目的仅用于退税申报，额度是可以滚动累计的。有何必要急着买？
所以，我的理解是：假如不想申报去年退税，是否要买RRSP，要看你是否有太多钱？这对不对呢？
<HR></BLOCKQUOTE>

s09xizh · Feb 19th, 2004, 17:58

借楼主的地方问个问题：

我在TD开了个RRSP帐户，买RRSP是不是就往帐户里拨入应有的RRSP额度就行了？报税的时候直接在税表里填吗？需要银行提供RRSP购买单据吗？

tc · Feb 19th, 2004, 20:58

<BLOCKQUOTE class="ip-ubbcode-quote">quote:<HR>Originally posted by Advant:
借楼主的地方问个问题：

我在TD开了个RRSP帐户，买RRSP是不是就往帐户里拨入应有的RRSP额度就行了？报税的时候直接在税表里填吗？需要银行提供RRSP购买单据吗？<HR></BLOCKQUOTE>

Ye, when you file your tax return, and you are claiming your RRSP contribution, you need your receipt.

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

Feb 14th, 2004, 16:44	#1
autumnkids Senior Member 注册日期: Jul 2004 帖子: 195	我上年的纳税收入<7500,我到底该不该买RRSP啊?谢谢 [This message was edited by autumnkids on February 14, 2004 at 18:49.]
autumnkids Senior Member 注册日期: Jul 2004 帖子: 195

Feb 14th, 2004, 18:55	只看该作者 #2
冬青 Junior Member 注册日期: Jul 2004 帖子: 4 声望: 0	当然不买。留到以后有抵税时再买。 *别听我瞎说*
冬青 Junior Member 注册日期: Jul 2004 帖子: 4 声望: 0

Feb 15th, 2004, 06:50	只看该作者 #3
wazzup Member 注册日期: Jul 2004 帖子: 55 声望: 0	买，但不申报，等到收入高的时候再申报抵税。因为RRSP的钱是免税滚动的。呵呵，昨晚看了一晚的RRSP，先显显，等大侠指正。
wazzup Member 注册日期: Jul 2004 帖子: 55 声望: 0

Feb 15th, 2004, 07:34	只看该作者 #4
HHH Senior Member 注册日期: Jul 2004 帖子: 505 声望: 687829	怎么能 <BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR> 买，但不申报 <HR></BLOCKQUOTE> ======================================= 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 15th, 2004, 16:46	只看该作者 #5
autumnkids Senior Member 注册日期: Jul 2004 帖子: 195 声望: 52239	<BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by 冬青: 当然不买。留到以后有抵税时再买。 <HR></BLOCKQUOTE> 追溯期限是几年啊? ***One can never consent to creep when one feels an impulse to soar.----Helen Keller***

Feb 15th, 2004, 16:47	只看该作者 #6
autumnkids Senior Member 注册日期: Jul 2004 帖子: 195 声望: 52239	<BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by WAZZUP: 买，但不申报，等到收入高的时候再申报抵税。因为RRSP的钱是免税滚动的。呵呵，昨晚看了一晚的RRSP，先显显，等大侠指正。<HR></BLOCKQUOTE> 能行吗?不会算我欺骗政府吧? ***One can never consent to creep when one feels an impulse to soar.----Helen Keller***

Feb 15th, 2004, 20:14	只看该作者 #7
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 autumnkids: 我上年的纳税收入<7500,我到底该不该买RRSP啊?谢谢<HR></BLOCKQUOTE> Yes, you should buy as long as you have room, but you do not want to claim it this year due to your taxable income is very lower, keep it for your future use when you have a higher income. "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 16th, 2004, 16:55	只看该作者 #8
autumnkids Senior Member 注册日期: Jul 2004 帖子: 195 声望: 52239	真的可以这样?不错不错,谢谢 ***One can never consent to creep when one feels an impulse to soar.----Helen Keller***

Feb 16th, 2004, 18:14	只看该作者 #9
TjHong Entry Level 注册日期: Jul 2004 帖子: 2,230 声望: 3833237	<BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by WAZZUP: 买，但不申报，等到收入高的时候再申报抵税。因为RRSP的钱是免税滚动的。呵呵，昨晚看了一晚的RRSP，先显显，等大侠指正。<HR></BLOCKQUOTE> 钱烧的慌？ RRSP的配额是滚动的，也就是说现在不买你的权利不会过期，等到将来高收入时再买吧。个人认为<30000CAD/年不值得买。
TjHong Entry Level 注册日期: Jul 2004 帖子: 2,230 声望: 3833237

Feb 17th, 2004, 15:22	只看该作者 #10
newdriver Junior Member 注册日期: Jul 2004 帖子: 3 声望: 0	不能多买，超过你今年的额度2000的话政府是会罚你款的
newdriver Junior Member 注册日期: Jul 2004 帖子: 3 声望: 0

Feb 17th, 2004, 17:25	只看该作者 #11
wazzup Member 注册日期: Jul 2004 帖子: 55 声望: 0	K, 你理解的不对 <BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by TjHong: <BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by WAZZUP: 买，但不申报，等到收入高的时候再申报抵税。因为RRSP的钱是免税滚动的。呵呵，昨晚看了一晚的RRSP，先显显，等大侠指正。<HR></BLOCKQUOTE> 钱烧的慌？ RRSP的配额是滚动的，也就是说现在不买你的权利不会过期，等到将来高收入时再买吧。个人认为<30000CAD/年不值得买。<HR></BLOCKQUOTE>
wazzup Member 注册日期: Jul 2004 帖子: 55 声望: 0

Feb 18th, 2004, 10:45	只看该作者 #12
HappyRoad Senior Member 注册日期: Jul 2004 帖子: 1,093 声望: 1168651	理解不对？现在很多银行提醒大家购买RRSP是从投资回报的角度而言的吧？那确实是要余钱太多找出路寻求回报才要赶紧买的，因为其投资回报取出前不需纳税。假如主要目的仅用于退税申报，额度是可以滚动累计的。有何必要急着买？所以，我的理解是：假如不想申报去年退税，是否要买RRSP，要看你是否有太多钱？这对不对呢？ <BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by WAZZUP: K, 你理解的不对 <BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by TjHong: <BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by WAZZUP: 买，但不申报，等到收入高的时候再申报抵税。因为RRSP的钱是免税滚动的。呵呵，昨晚看了一晚的RRSP，先显显，等大侠指正。<HR></BLOCKQUOTE> 钱烧的慌？ RRSP的配额是滚动的，也就是说现在不买你的权利不会过期，等到将来高收入时再买吧。个人认为<30000CAD/年不值得买。<HR></BLOCKQUOTE><HR></BLOCKQUOTE> 枯藤老树昏鸦，小桥流水人家，西风古道瘦马。夕阳西下，断肠人在天涯。

Feb 19th, 2004, 15:20	只看该作者 #13
wazzup Member 注册日期: Jul 2004 帖子: 55 声望: 0	好吧，退税是一样的。但买可以免税增值，即使是只赚利息。也许你可以说这是太过与精打细算了，但绝对不是钱烧得慌啊。你说呢？ <BLOCKQUOTE class="ip-ubbcode-quote"><font size="-1">quote:</font><HR>Originally posted by HappyRoad: 理解不对？现在很多银行提醒大家购买RRSP是从投资回报的角度而言的吧？那确实是要余钱太多找出路寻求回报才要赶紧买的，因为其投资回报取出前不需纳税。假如主要目的仅用于退税申报，额度是可以滚动累计的。有何必要急着买？所以，我的理解是：假如不想申报去年退税，是否要买RRSP，要看你是否有太多钱？这对不对呢？ <HR></BLOCKQUOTE>
wazzup Member 注册日期: Jul 2004 帖子: 55 声望: 0

Feb 19th, 2004, 17:58	只看该作者 #14
s09xizh 高级会员注册日期: Jul 2004 帖子: 58 声望: 0	借楼主的地方问个问题：我在TD开了个RRSP帐户，买RRSP是不是就往帐户里拨入应有的RRSP额度就行了？报税的时候直接在税表里填吗？需要银行提供RRSP购买单据吗？
s09xizh 高级会员注册日期: Jul 2004 帖子: 58 声望: 0

Feb 19th, 2004, 20:58	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 Advant: 借楼主的地方问个问题：我在TD开了个RRSP帐户，买RRSP是不是就往帐户里拨入应有的RRSP额度就行了？报税的时候直接在税表里填吗？需要银行提供RRSP购买单据吗？<HR></BLOCKQUOTE> Ye, when you file your tax return, and you are claiming your RRSP contribution, you need your receipt. "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