Jun 16th, 2006, 01:51
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Senior Member
 
注册日期: Jul 2004
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【讨论】如果还没有决定定居/回流，投资RRSP是否合适？
as subject. 常常提到RRSP, 是否适合中短期居住者投资呢？ |
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Jun 18th, 2006, 11:28
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只看该作者 #4 | |
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Senior Member
注册日期: Jul 2004
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引用:
没有特别提示我有报税工薪收入，可能让人误解/偏见了。 再换一个提问方式，我有一份不错的工作，报税时看到有RRSP额度。可是目前我只有2年居留计划，是否有价值投资RRSP呢？或者说有什么理由不买RRSP呢？产生疑虑是因为RRSP看字面意思是退休保险，要是不再回来定居，RRSP投资就丧失价值了。 谢谢上面两位的答复 |
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Jun 18th, 2006, 18:06
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只看该作者 #6 | |
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Regular Member
注册日期: May 2006
住址: Toronto
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引用:
不少人有一种误解，认为RRSP 只有退休才能取出来，实际上RRSP 随时都可动用，只不过要按取出当年收入交税。一般退休才取出来，是因为没有工作收入后，边际税率低，能省税。 |
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Jun 18th, 2006, 21:38
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只看该作者 #8 | |
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Senior Member
注册日期: Jul 2004
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引用:
解释得很清楚，thanks. 我觉得如果作为一笔长期投资，离开加拿大后也不取出来，到退休后才取出，经济上还是有收益的。承受的风险是摆着一笔钱长期不动，如果提前取出则丧失税务上的优惠，还可能因为当年合计收入增加而交更多的税。 Thanks again |
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Jun 26th, 2006, 14:08
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只看该作者 #9 | |
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注册会计师-张兆伟
注册日期: May 2006
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引用:
http://www.professionalreferrals.ca/article-723.html Q. What are my options for my RRSP when I leave Canada? A. You do not need to unwind your RRSP upon emigration from Canada. Your RRSP can remain in Canada and the growth in your RRSP will not be subject to Canadian tax. However, the growth within your RRSP may be subject to tax from your new country of residence. If your new country of residence is the United States, you may elect to defer U.S tax on income earned in the RRSP, until a distribution is made from the plan. Please note that you will be subject to Canadian withholding tax when money is withdrawn from the RRSP. This Canadian withholding tax may be eligible for a Foreign Tax Credit in your new country of residence. If you have withdrawn money under the Home Buyers or Lifelong Learning plans, you should repay the outstanding amount within 60 days of becoming a non-resident. If you do not make this repayment, the unpaid balance will be included as income on your Canadian Income tax return for the year of your departure. Q. Should I maximize my RRSP contributions prior to emigrating from Canada? A. Prior to emigrating from Canada, you should maximize your RRSP contributions. This contribution is an eligible deduction for the part year you were a resident in Canada. If the contribution is made within the first sixty days of the following year that you emigrated, the contribution can still be applied to the part year you were a resident in Canada. For example, Mr. Hill emigrated from Canada on March 20, 2001. Based on Mr. Hill’s 2000 Notice of Assessment, he has contribution room available of $13,500. Mr. Hill has until March 1, 2002 to make his contribution. (Sixty days from the end of 2001 - the year Mr. Hill emigrated from Canada). This $13,500 contribution will be a deduction for the income he earned between January 1, 2001 and March 20, 2001 (beginning of the year until the date of emigration). If you do not make the maximum contribution prior to emigrating from Canada, you will be able to carryforward any unused contribution room, which can be used if you once again become a Canadian resident in the future. Q. Am I able to make RRSP contributions while I am a non-resident of Canada? A. When you are a non-resident for tax purposes, you should not make contributions to your RRSP (taking into account the exception above) because you will not be eligible for a tax deduction in Canada as you will not have any Canadian source income against which to claim the contribution. In addition, there may be adverse tax consequences in your new country of residence for making RRSP contributions. 离开加拿大后，取出RRSP，算作新国家的收入，这要看新的国家是否对海外收入征税。取出时，加拿大会扣一定比例的税(The withholding tax is only 10% on amounts under $5,000, 20% on amounts between $5,000 and $15,000, and 30% on amounts over $15,000)，所扣税可以抵减新国家的税。 如果所去的国家税率低于加拿大，尽量买足，享受退税。然后在新国家取出。 如果所去的国家税率高于加拿大(不知道有没有高于加拿大的)，就无所谓了。 |
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