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旧 Feb 4th, 2011, 15:31     #1
nicehh
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默认 pension问题请教

各位好,

我有一问题不清楚,请问这里有没有人能帮我理清。

我在单位工作期间,单位给买了省里的pension。同时单位有自己的pension plan。单位的plan分两种:contribute和non-contribute。以前几年我没有contribute,最后一年我有contribute。因为合同到期,也不再设这个位置,所以也就不能继续在单位参加pension plan了。现在单位来通知,告诉我目前的额度不够他们的基本要求(下线),所以我要么转入RRSP,要么他们给cash。问题是,我以前一直在买RRSP,现在RRSP额度不够cover这笔钱。我有一个问题始终不明白,tax assessement里面有Pension adjustment一栏。因为这个pension adjustment,我的RRSP额度少了不少。我的理解是pension adjustment是因为在单位有pension,所以就占用了RRSP的免税额度。但现在cash给我,反而还要扣我30%,那不是买pension其实就是浪费自己的钱吗?你看,买了pension就占用了RRSP额度,现在pension的钱要有地方去,要不又要收30%。

哪位给我解解惑,也顺便给出个主意,怎样才能避免被收这30%?谢谢。
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旧 Feb 4th, 2011, 15:39   只看该作者   #2
ElephantSong
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默认

你把所有的文件带到你开户的银行去问问,既然占用了18%那个额度,不管取什么名字,都是RRSP性质的,请银行转到他们那里去吧,然后看你要怎么投资.扣除30%应该是预扣税吧,你还是要问清楚.
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旧 Feb 4th, 2011, 17:44   只看该作者   #3
normanyan92
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默认 I think I can help you

I have pension in my company, I think I can help you with that. but I have some question for you too, if you want, You can call me at 9053585185. my name is Norman
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旧 Feb 4th, 2011, 18:00   只看该作者   #4
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默认

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作者: nicehh 查看帖子
各位好,

我有一问题不清楚,请问这里有没有人能帮我理清。

我在单位工作期间,单位给买了省里的pension。同时单位有自己的pension plan。单位的plan分两种:contribute和non-contribute。以前几年我没有contribute,最后一年我有contribu...
你公司的pension本身就已经占用了你的RRSP额度,不管你contribute的还是你公司contribute的。你以往保税的时候应该已经扣减了RRSP额度,所以应该可以直接转入RRSP计划。
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旧 Feb 4th, 2011, 19:13   只看该作者   #5
seamantrust
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默认

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作者: nicehh 查看帖子
各位好,

我有一问题不清楚,请问这里有没有人能帮我理清。

我在单位工作期间,单位给买了省里的pension。同时单位有自己的pension plan。单位的plan分两种:contribute和non-contribute。以前几年我没有contribute,最后一年我有contribu...
That is so easy. No concern about your room. Pension is already in. Just move them into your RRSP account. Done!

If you still feel confused, PM me for special answer.

N years of experience.

Smiles make your life happy!
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旧 Feb 13th, 2011, 06:26   只看该作者   #6
normanyan92
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默认 his pension is locked, how can

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作者: seamantrust 查看帖子
That is so easy. No concern about your room. Pension is already in. Just move them into your RRSP account. Done!

If you still feel confused, PM me ...
his pension is locked , how can he transfer to RRSP? should transfer to LIRA. you donot mislead him please.

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旧 Feb 13th, 2011, 13:11   只看该作者   #7
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默认

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