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旧 Feb 9th, 2007, 21:23     #1
Bayraf
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默认 请教关于RRSP的几个问题

1。如果以前从没买过,今年想买了,最迟什么时候买才能今年退税?
2。买RRSP是必须一次性把额度买足吗?可以按月买,或分几次买足吗?哪种方式好?
3。用RRSP做什么比较好?买保险?做投资?什么也不做?如果用于投资,做什么投资比较好?

谢谢!
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旧 Feb 9th, 2007, 21:44   只看该作者   #2
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默认

1, 随便什么时候买都可以,保税的时候填上就可以了
2, 随便买多少都可以,可以按月买,或分几次买足,方式取决于你资金的充裕度,钱多了一次买齐。
3 RRSP必须投资于某个东西上面,不能象存钱帐号放那里,所以开rrsp帐号就开了一个投资帐号,实际上由于RRSP的特性,放在存钱帐号里不划算。一般不懂的人银行都会帮你选一个低风险的投资,比如GIC
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旧 Feb 9th, 2007, 21:53   只看该作者   #3
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默认

For item 1, 2/28 is the last day for 2006 tax year
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旧 Feb 9th, 2007, 21:59   只看该作者   #4
Bayraf
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默认

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作者: wuyg719 查看帖子
2, 随便买多少都可以,可以按月买,或分几次买足,方式取决于你资金的充裕度,钱多了一次买齐。
只要钱够,最好一次买足是吗?它比分次买有什么好处?

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作者: wuyg719 查看帖子
3 RRSP必须投资于某个东西上面,不能象存钱帐号放那里,所以开rrsp帐号就开了一个投资帐号,实际上由于RRSP的特性,放在存钱帐号里不划算。一般不懂的人银行都会帮你选一个低风险的投资,比如GIC
买了RRSP,要想避税,那本金就最好从此别动了,对吗?那由这本金所做投资的增值部分可以动用吗?动用了要交税吗?

谢谢!
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旧 Feb 9th, 2007, 22:01   只看该作者   #5
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默认

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作者: Aprils_Fool 查看帖子
For item 1, 2/28 is the last day for 2006 tax year
就是说,要想今年就能收到RRSP的退税,最迟要2月28日以前买,对吗?

谢谢!
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旧 Feb 10th, 2007, 13:43   只看该作者   #6
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默认

(1) 钱没有供房等压力就一次买足,免得麻烦,
(2) 本金和利息都可以动,那是你的钱,但记住,一旦动了,就算当年收入,银行会预扣缴税比例,
比如,你取1000,银行只给你700-800,报税的时候多退少补。所以在无收入的年你可以取一点出来用。
一旦动了,你不能补回来,只有首次购房的2万首付可以补。

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作者: Bayraf 查看帖子
只要钱够,最好一次买足是吗?它比分次买有什么好处?


买了RRSP,要想避税,那本金就最好从此别动了,对�...
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旧 Feb 10th, 2007, 20:14   只看该作者   #7
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默认

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作者: wuyg719 查看帖子
(1) 钱没有供房等压力就一次买足,免得麻烦,
(2) 本金和利息都可以动,那是你的钱,但记住,一旦动了,就算彮..
只动用本金投资后产生的收益部分,也要交税吗?

如果RRSP一直都没有动用,连它产生的收益啊利息啊什么的也都一直没有动用过,那到退休的时候,会不会太多了?
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旧 Feb 11th, 2007, 07:56   只看该作者   #8
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默认

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作者: Bayraf 查看帖子
只动用本金投资后产生的收益部分,也要交税吗?

如果RRSP一直都没有动用,连它产生的收益啊利息啊什么的也鮮.
只要从RRSP里取钱就算当年收入,除非你符合从RRSP里借钱买房或者读书的条件,你可以申请取出RRSP的钱买房或读书而不算收入。但取出的钱要在15年内还清。

如果觉得RRSP太多而影响退休的政府福利,可以考虑买保险而少买RRSP。这方面的计算很复杂,需要你公开你所有的财务数据,你还是找个会计师帮你算吧。
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旧 Feb 11th, 2007, 08:00   只看该作者   #9
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默认

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作者: Bayraf 查看帖子
只要钱够,最好一次买足是吗?它比分次买有什么好处?
分批购买,可减少投资风险。但对于RRSP这样的长线投资,1年的起落应该不至于有什么大影响,所以一次购买和分批购买应该差不多。

但分批购买单据多,有可能忘了报某一个单据,造成少报RRSP。
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旧 Feb 11th, 2007, 10:22   只看该作者   #10
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默认

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作者: 安全第一 查看帖子
分批购买,可减少投资风险。但对于RRSP这样的长线投资,1年的起落应该不至于有什么大影响,所以一次购买和分殮.
哦,明白了。谢谢安全第一!
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旧 Feb 11th, 2007, 10:28   只看该作者   #11
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作者: 安全第一 查看帖子
只要从RRSP里取钱就算当年收入,除非你符合从RRSP里借钱买房或者读书的条件,你可以申请取出RRSP的钱买房或读书而不算收入。但取出的钱要在15年内还清。

如果觉得RRSP太多而影响退休的政府福利,可以考虑买保险而少买RRSP。这方面的计算很复杂,需要你公开你所有的财务数据,你还是找个会计师帮你算吧。
翻以前的帖子时,发现游夫下面这贴
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作者: 游夫
每人每年都有一部分收入是可以免税的, 2005年大约是$8400, 如你2005年收入很少,或根本没收入,你2006年报税时,就用不到这$8400的免税额(也就是所谓的"浪费每年的免税额").
但如你在2005年,从RRSP中取出$8400,就可完全不用纳税.

所以一旦你某年没收入,就可取出部分的RRSP.

本人就打算工作到60岁就退休,60-65之间每年从RRSP中取钱.这样到65岁,RRSP帐上的钱最好所剩无几,既可享受到生活,又在65岁时由于收入大大减少(无RRSP可提)而可被政府评为"贫农",而多得老年金.
如果如游夫所说,到65岁时,RRSP已所剩无几,那大概每月能得多少老年金?
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旧 Feb 12th, 2007, 08:21   只看该作者   #12
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默认

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作者: Bayraf 查看帖子
翻以前的帖子时,发现游夫下面这贴

如果如游夫所说,到65岁时,RRSP已所剩无几,那大概每月能得多少老年金N..
买RRSP的意思, 是政府提供的养老金/老年金/低收入补助等加起来还不够生活, 所以才要买RRSP以便在老的时候有钱用.

只靠政府的钱靠不住, 多多少少都要有点RRSP.
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旧 Feb 12th, 2007, 09:52   只看该作者   #13
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默认

政府的原则是取之于民,用之与民,游夫的想法是代表一大批中低收入的人的想法,但中高收入的人因为RRSP的避税功能,没有这个可能做到。如果养老金/老年金因为各种原因(只要不是政府自己的原因)入不敷出,政府可以宣布减少或直接取消养老金/老年金。
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旧 Feb 12th, 2007, 13:10   只看该作者   #14
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买RRSP的意思, 是政府提供的养老金/老年金/低收入补助等加起来还不够生活, 所以才要买RRSP以便在老的时候有钱用....
退休后RRSP就可以随便支取而不用交任何税或任何附加费了吗?
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旧 Feb 12th, 2007, 13:15   只看该作者   #15
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退休后RRSP就可以随便支取而不用交任何税或任何附加费了吗?...
不是的,你取的RRSP 都算为你当年的收入,同样要上税。只是你取的时候,你的收入一般比较低,所以税率也就低了。而你买RRSP 的时候,你的收入比较高,税率也高。你等于是赚了一个税率差。比如你投资5000 给RRSP,按33% 税率算,你获得 1650 元褪税。当你以后取这 5000 的时候,你的总收入很低,你的税率就变成 15%,即 750 元。这样,你就赚了 900 元。
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旧 Feb 12th, 2007, 13:31   只看该作者   #16
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不是的,你取的RRSP 都算为你当年的收入,同样要上税。只是你取的时候,你的收入一般比较低,所以税率也就低䮮.
就是说,任何时候,哪怕是你根本没收入的退休以后,你动用你的RRSP,只要超出免税额度都要交税,对吗?

退休后动用和退休前动用相比,没有任何优惠政策吗?
Bayraf 当前离线  
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旧 Feb 12th, 2007, 15:11   只看该作者   #17
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就是说,任何时候,哪怕是你根本没收入的退休以后,你动用你的RRSP,只要超出免税额度都要交税,对吗?

退�...
没有,所以就60岁退休。你到65岁才能享受CPP、OSA。
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