加国养老体系详解、RRSP、EPSP、CPP、EI、UL比较

[酥然-小酥]

加拿大养老体系详解、RRSP、EPSP、CPP、EI、UL和其它常用理财工具年度报告信息座谈讲座

应一些客人要求举办该年度讲座，帮助客人深入了解现今加拿大养老形式（对比中国现状），做好家庭和公司业务长期理财计划，解决公司雇员PENSION, RRSP, CPP, EI, STD/LTD带来的组合养老税务理财问题,个人配合公司福利TOP UP 办法，比较个人公司生意，CONTRACTOR, SLEF-EMPLOYED的养老优势，介绍EPSP,UL, NON-REGISTER,GIF,DI替代方案及其他有关计划方案。演示个人实例和实用信息。预约理财计划面谈。

时间：11月30日周二晚上6：30到8：30.
地点：南部：（城铁SOMERSET线路）城铁Anderson车站旁边100米，10655大楼，6层会议厅。（开车有免费停车位）

（本次讲座是前次嘉宾-卡城15年高级税务律师免费讲座内容的延伸，因律师（$500/小时）不能总是出席免费讲座，所以本次介绍将结合上次内容，更多扩展和普及一下上次有关方法和工具）

徐酥然（RBC金融集团FINANCIAL GROUP 私人和商业理财顾问）
http://services.rbcinsurance.com/suzanne.xu
http://www.chinasmile.net/cads/xusuran/

胡红（RBC金融集团DOWNTOWN MAIN BRANCH资深账户经理— 商业客户贷款经理）
http://maps.rbc.com/mapdetails.en.as...ance=0.83&lr=0

因公只接受电邮报名：注明姓名，电话，地址（会议厅安全因素）和人数。
报名电邮：SUZANNE.XU@RBC.COM

讲座赠送官方中文文件文本：
1， 《了解加拿大的理财服务》；
2， 《企业营商指南》；
3， 《风险管理指南》；
4， 2011年新年新款水资源年历。

[开码]

顶！报1人。

[酥然-小酥]

准备好问题和自己关注点，地址会在电邮里详细告知，
没有时间前来的可以另外预约时间

[nwcalgary]

听听有好处

[酥然-小酥]

回答客人来电问题：包括RRIF,IPP, RCA, ANNUITY, ESOP, IRP,ESTATE FREEZES, FAMILY TRUST等理财工具介绍，和公司有关。并提供官方文本----PERSONAL FINANCIAL MANAGEMENT FOR BUSINESS OWNERs手册。以及介绍四项：BUSINESS-FOCUSED TAX STRATEGIES.
限座位30人。谢谢

[酥然-小酥]

确认电邮包括会议厅地址。
欢迎和同事一起前来。
有客人问上贴缩写，是各种养老计划的缩写，适合于自己公司避税节税的，也有个人的。

[酥然-小酥]

How to retire: Dos and Don'ts

by Andy Holloway, Erin Pooley and Thomas Watson, Canadian Business magazine

Humourist Stephen Leacock didn't see anything fun about retirement. "Have nothing to do with it," he advised young fellows of his day. "Have you ever been out for a late autumn walk in the closing part of the afternoon, and suddenly looked up to realize that the leaves have practically all gone? And the sun has set and the day gone before you knew it, and with that a cold wind blows across the landscape? That's retirement." Leacock, of course, was forced to leave his cushy academic career at McGill University, in Montreal, in 1936. He might have argued in favour of keeping compulsory retirement if he was around today, managing floating exchange rates for a living or serving as a director of a public company. After all, in the age of globalization and activist investors, work can feel dark and dreary — inspiring dreams of the day you can skip your cellphone across cottage lakes.

But carefree retirement isn't a given — it's a goal, one taken too lightly by too many Canadians (rich and poor, alike). People are living longer, while starting careers later, thanks to expensive education that doesn't guarantee wealth. Meanwhile, savings rates are low, the Canada Pension Plan is under siege from retiring boomers and an aging population, and corporations are ditching defined benefit plans. Canadians are seriously worried. Indeed, according to an Investors Group survey, only 31% of Canadians approaching retirement expect to be ready financially, while 4% report they'll be emotionally equipped. But don't be scared; get prepared. To keep you off your local park bench (not counting naps or quality time feeding pigeons), Canadian Business polled the professionals to come up with a modern guide to planning life after work. Let's call it: Living Well in Autumn, to honour Leacock, who died of throat cancer in 1944, after just eight years of hated retirement.

Don't wait to plan your retirement

The average Canadian man lives to 78, and the average woman to 81. And today's 65-year-old couple has a one-in-two chance of at least one person reaching 92 years of age. But most people wait until age 50 to get serious about saving for retirement — leaving 15 years to accumulate enough assets to fund at least 15 years of retirement. So, if you haven't given any thought to retirement by 45, get cracking, says Marc Cevey, chief executive officer at HSBC Investments (Canada) Ltd. The 20 years between 45 and 65 are known as the "accumulating phase." The earlier you start, the more you'll have to fund what could be nearly half your life.

Don't listen to Trooper

It's nice to get out of the rat race, but plan to have enough cheese to provide for a long time, not just a good time. Avoid the urge to dump all your funds into ultra-conservative financial instruments such as GICs. According to Walter Updegrave, author of We're Not in Kansas Anymore: Strategies for Retiring Rich in a Totally Changed World, a good rule of thumb is a 40/60 mix of diversified stocks (including dividend-paying shares) and bonds (public and private). Updegrave also says to keep future needs and inflation in mind when managing your annual withdrawal rate after retirement.

Do maximize your savings program now

The average income desired in retirement is $3,500 per month, according to a 2005 survey of 5,325 people 45 and older by BMO Financial Group. That means you'd need at least $1 million in today's dollars to pay for 25 years of retirement if you left work now (and more if you're still a few years away, to account for inflation). While financial planners tend to look at retirement from an annual-income or lump-sum point of view, the majority of pre-retirees see it from a monthly perspective, which makes the total amount needed look a little less scary. Oddly enough, Canadians have $367.3 billion in unused RRSP contributions, according to the most recent Statistics Canada data available, indicating many haven't thought about retirement enough.

Do diversify your retirement income sources

Canadians draw (or expect to draw) pensions from many different income sources, including government pensions (89%), sheltered investments such as RRSPs and RRIFs (78%), and employer pensions (72%), according to the BMO survey. Cevey says pensions should account for no more than 50% of your expected retirement income, with the rest coming from ongoing investments. Roughly half of Canadians expect to get money from non-sheltered investments, and nearly a third will at least partly rely on continued employment.

Don't give all your money to junior

Shifting wealth from one generation to the next results in a loss of net worth 70% of the time, according to a Leadership Family Institute study of more than 3,000 families in the U.S. and Canada. The most successful at keeping the family money alive are those people who sink their legacies into philanthropy. Why? Families who manage a private foundation are more likely to share common values and enjoy robust consensus on decisions, key to keeping the family wealth intact. But for those who absolutely must keep it all in the family …

Honey, I tested the kids

Paul Desmarais is betting billions that his two sons can jointly keep the sun from setting on his Power Corp. empire. Statistically speaking, though, the odds aren't great. Experts say family-run businesses fail at least 50% of the time when control is passed on. Why? Wealthy children often develop personalities that aren't cut out to follow in the footsteps of self-made entrepreneurs, which is why some succession planners recommend putting Jimmy (or Jane) Jr. in front of an industrial shrink to see if they have what it takes to succeed as Family Biz CEO 2.0. That, of course, can cost more than $10,000. So, here's some free advice from someone well versed in breeding turkeys: "You can hire better than you can sire," said Alfred Cuddy, after a public family battle threatened to tear apart Cuddy's multimillion-dollar poultry operation in the late '90s.

Don't count on the government to fund the bulk of your retirement savings

By 2016, there will be more seniors than children under 14 in Canada: 6.9 million who could be taking money out of the Canada Pension Plan. This could mean a scaling back of benefits, which are already paltry enough. Consider that in 2004 the average monthly CPP payout was $457.99, but the average rent for a one-bedroom apartment in Toronto was $886. Though the CPP is currently fiscally sound, according to a June review by the federal and provincial finance ministers, it can only offer so much. The 9.9% contribution rate is only designed to replace roughly 25% of your earnings. And remember: old age security benefits begin to be clawed back for people with retirement incomes more than $60,806.

Do expect to work

Retirement is no longer considered a fixed point in time. It's really a series of phases from full-time work through active retirement to permanent retirement. Nearly three-quarters of pre-retired Canadians expect to work in some capacity after they retire from their full-time jobs, according to BMO's survey. That transition period can dramatically extend the amount of time your retirement savings last—allowing you to keep saving longer. "The good news is that retirees will be working not just because they want to, but because the market will demand it," says Cevey. The coming end of ageist discrimination is indeed good news, as 58% of pre-retired Canadians plan on working in some capacity during retirement.

Do plan for contingencies

For instance, you might have to take care of your parents. By 2010, 60% of Canadians over 50 will have a surviving parent, and care costs can be significant. What's more, the number of employers providing retirees with health coverage dropped from 50% to 31% during the past five years, according to a study by workplace consultant Watson Wyatt. The study also predicted 90% of all costs associated with long-term care, such as nursing expenses and drug costs, won't be covered by existing plans within 30 years. Monique Tremblay, senior vice-president, savings and segregated funds, Desjardins Financial Security, points out women tend to be dependent on care facilities for six years on average; men average one year in care.

Don't go into retirement with debt

Pay as much of your mortgage and debt off as you can, so your income funds your lifestyle, not past purchases. Sound like a no-brainer? Consider that 66% of Canadians surveyed by BMO carry debt into retirement, with more than a quarter of those people feeling uncomfortable with that debt. And more pre-retirees expect to be debt-laden, with 68% expecting to carry some debt into their retirement years.

Do be realistic about lifestyle choices in your golden years

Being able to play golf every day or travel the world sounds great now, but that could get mighty stale—not to mention expensive—if your retirement lasts 15 to 25 years. Figure out what kind of lifestyle you want, then analyze your expected assets and expenses with a professional to determine your income needs. There are no hard and fast rules, but Tina Di Vito, vice-president and managing director of retirement planning at BMO Nesbitt Burns, uses this dictum: if you withdraw 4% of your capital annually, your savings should last 33 years; if you withdraw 10% annually, you're out of money in 11 years. Be sure to plan accordingly.

Don't help criminals retire rich

The RCMP suggests retirees keep up with common consumer frauds. Con artists love people with time and money, and not all scams involve e-mails from pretend finance ministers of war-torn nations. In the "bank examiner" con, an official-looking scammer preys on retiree fears by claiming to be investigating possible skulduggery at a mark's financial institution. The mark is asked to help protect their wealth by handing over a cash withdrawal for a "standard" serial number check. Too many financially stressed people fail to follow the RCMP's simple rule: do not enter into any business transaction you have not thoroughly examined.

Plan for par or better

The loonie has risen against the U.S. greenback, which means Canadians can throw more money around snowbird country. And right now, retirees can also get more bang for their limited bucks in other places, thanks to Canada's relatively strong currency. Take trips to nations with central banks that try to compete with China's peg to the U.S. dollar. As things stand, you can pretty much take your pick. Mexico, for example, is a great deal. In 2002, a loonie bought fewer than six Mexican pesos. Today, the peso trades at 10 to a loon.

Don't ditch the spouse

According to a 2005 study from Ohio State University, people who divorce lose an average of 77% of their personal net worth over time. Ouch! And the economic impact of divorce, particularly at retirement time, when accumulated funds should be going toward things such as health care, travel or accommodation, can be devastating. Love him or leave him...but remember the consequences.

Do revisit your will

Set out a plan for where your money will go after you do— particularly if you own a family business. An estate plan, while helping minimize taxes, can freeze your current shareholder value and pass on any increases in value to your kids. One option is to design your will "to ensure that control of business assets remains within members of the family active there, and that other family members are compensated in other ways," says Saul Paton, who specializes in estate planning, wills and trusts for Toronto law firm Elkind & Lipton LLP. (See Open the Kimono, for more.) Major changes in circumstances—a disabled child or critical illness—may also warrant a second look at your will and your designated powers of attorney. If you have two young kids, expect to pay about $1,000 for a standard will; more complicated wills can run into the several-thousand-dollar range.

Open the kimono

Take a holistic approach to life after work by seeking expert counsel to develop a tailor-made retirement solution, advises Dave Finnbogason, CFO and a senior vice-president with Richardson Partners Financial in charge of family wealth planning. "The days are long gone when one adviser can do it all," he says. Estate planning is far too complicated to rely on cookie-cutter advice, especially for those running a family business. Finnbogason advises clients to "open the kimono"—in other words, expose naked desires to all concerned. Why? Nobody, he says, seems prepared to think about values or passions when life is running out. But a well-planned retirement requires honest soul-searching about what you want from your golden years—and what you expect from your estate after you retire to a pine box. Retirees-in-waiting should also include all family members and advisers (lawyers, doctors and accountants) in the process. After all, a plan is only workable with everyone's cards on the table—and a big-picture understanding of resources. Only then can you make informed choices on when and where to retire, who gets what of your savings while you're still breathing and whether to control how the leftovers of your life are eaten—from the grave.

Don't go to seed

Here's a revealing fact: less than half of Canadian companies provide post-retirement health benefits. So, rather than waiting for the gold watch before you start thinking about health-insurance needs, look into options now. Most provincially funded medical plans offer enhanced coverage when you hit age 65, including insurance for drugs, nurses, eye care and paramedical services. But you might consider purchasing an individual health plan from your former employer's insurance carrier when you retire. Why? If you purchase your plan at that time, you may avoid medical examinations later on, which can result in more expensive premiums, or being rendered ineligible for coverage.

Options—including insurance for critical illness, extended health, dental and long-term care—abound, so it's also wise to consult an expert. Pat Irwin, president of ElderCare Canada—a Toronto-based consultancy that charges $125 an hour to help clients navigate the elder-care market—says budgeting for in-home care is a good idea. Hiring a "granny nanny" to provide non-medical home care for a few hours a day, seven days a week, can run upwards of $25,000 per annum. An average retirement home will cost you about $50,000 a year—and subsidized care in a nursing home, around $27,000 per person. Irwin's advice? Stay healthy, and avoid costly medical bills down the road.

Strategize your savings

Do review your investing strategy at least once a year. When RRSP season rolls around each February, too many Canadians make a quick decision to buy GICs (a.k.a. guaranteed investment certificates) for the tax break. That hastiness is a mistake, says Marc Cevey, CEO of HSBC Investments (Canada) Ltd. Review your investments at least once a year, and make sure you include a detailed evaluation every five years. A retirement plan, including expected needs, savings and costs, should be thought out early and fine-tuned as you get older. After all, as you approach retirement, your needs will become clearer.

[酥然-小酥]

Retirement: Three magic numbers

By David Aston, MoneySense Magazine

Nothing is more frustrating than trying to figure out how much to save for retirement. You know the amount you’ll need to save depends on what kind of retirement lifestyle you want. But how can you decide that without having some idea of how much it will cost? Is dreaming of endless vacations and a 44-ft yacht realistic? Or should you be aiming for walks in the park and the occasional meal out? Many people have no idea what they’re aiming for—and after a lot of sweating and calculating, they end up right back where they started.

We can help. While many retirement plans use complex formulas to calculate what you’ll need, we find that many Canadians just want a ballpark to aim for. If your retirement is still quite a ways off, it’s often good enough just to know what you’ll need to save to achieve each of three levels of potential retirement: a bare-bones basic retirement; a middle-class retirement with two cars, some restaurant meals and vacations every year; and finally, a deluxe retirement complete with a vacation home or regular jaunts around the world. Interested to know what kind of dent each of these three scenarios will make on your nest egg? Read on and we’ll price them out for you.

No-frills retirement

this is the worst-case scenario, but it’s good to know what you’ll need if you just want to scrape by, if only because it gives you a starting point to build from. For this scenario, the costing has already been done for us in a recent study, called Basic Living Expenses for the Canadian Elderly, by three University of Waterloo researchers. The study describes a no-frills retirement as one in which a couple rents (rather than owns), has no vehicles (so they take public transit), and it doesn’t include spare cash for even minor indulgences such as cable TV or alcohol. This is not the stuff of most people’s retirement dreams, but the study does budget for three nutritious home-prepared meals a day, a one-bedroom apartment plus utilities, along with typical health-care costs and other essentials like clothing and personal-care products.

How much do you need?

The study’s authors conclude that the annual cost of such a retirement in five major Canadian cities ranges from $20,200 to $27,400. Here’s the good news: to achieve this bare-bones scenario you don’t have to save a penny. The combination of full Old Age Security (OAS) and the Guaranteed Income Supplement (GIS) program for low-income seniors pretty much covers all your basic needs, at least outside the highest-rent cities. If you and your spouse are at least 65, those government programs would provide you with a combined $22,750 a year if you have no other income. “We’ve kind of made sure the Canadian elderly don’t live in poverty but we’ve given them, like, 50 cents more than the poverty line,” says study co-author Robert Brown.

Canadians who have worked most of their lives can also usually count on substantial Canada Pension Plan payouts in retirement. A couple which receives the average CPP payout, plus maximum OAS, and maybe a little bit of GIS, can expect to receive almost $30,000 a year. So you can relax about the worst-case scenario: Even if you don’t save at all, you’re not going to have to live off cat food.

Middle-class retirement

Most Canadians, of course, hope to do better than bare-bones. Bill VanGorder, 66, the Nova Scotia chair of CARP, a group representing older Canadians, says he wants the same level of comfort he enjoyed while he was working—maybe even a bit better. He finds that increasingly seniors want to travel, pursue sometimes pricey hobbies like golf, eat out at restaurants, and maintain cottages or second homes in warm places. For the most part, this lifestyle is about having experiences and being active, rather than having more possessions. In fact, some seniors are downsizing to smaller homes to help finance their active lifestyle, he says. Active senior couples with different interests are more likely to want to keep two cars to allow both spouses to stay mobile. And VanGorder himself aspires to do more traveling, including an Alaska cruise, seeing the British Isles, visiting his sister in Australia, and seeing the rest of Canada. He’s also interested in woodworking and was surprised to find the hobby is much more expensive than he anticipated.

According to Statistics Canada, median spending by a couple over 65 is about $40,000 a year, and average spending is about $51,000. But VanGorder says to enjoy the type of retirement he wants; you might spend as much as $60,000 a year.

How much do you need?

Assuming you receive about $30,000 a year from CPP and OAS and have no employer pension, you’ll need a nest egg that can support an additional $10,000 to $30,000 a year in extra spending, plus inflation adjustments. Financial planning research suggests that you need retirement savings that amount to 25 times your annual retirement spend (not including CPP and OAS) if you want to keep spending that much for the rest of your life. So for a typical middle-class retirement, you need a nest egg of $250,000 if you just want to spend the median amount, but if you want a higher-end retirement of the kind VanGorder describes, you’ll need to save up $750,000.

Retirement deluxe

Once you get beyond the typical middle-class retirement, costs tend to skyrocket. Norbert Schlenker, a fee-only financial planner with Libra Investment Management on Salt Spring Island, B.C., says that at this level the fundamentals don’t change—people still typically have a house, two cars, restaurant meals and vacations—it’s just that the house is bigger, the cars are fancier, the restaurants are more exclusive, and the vacations more exotic. Here you are more likely to find the trophy kitchen, memberships in a golf or boating club, professionally designed and maintained gardens, and, says Schlenker, perhaps “the boat their brother-in-law saw.” Such retirees are more likely to own a vacation home, and there is more money available for spoiling the kids and grandkids. There’s no hard and fast cutoff for the deluxe life, but if you’re spending $100,000 or more each year per couple, you’re well into the realm of truly disposable income.

How much do you need?

If you don’t have an employer pension, you’ll need to be a millionaire to afford it. Assuming you get $30,000 a year from CPP and OAS, you’ll need retirement savings that can provide you with an additional $70,000 a year, which means a $1.75-million nest egg. If that sounds outrageously high, welcome to the club. Schlenker says that when he does similar calculations for his clients, invariably they’re “just shocked.”

There’s an interesting exception here though. If you and your spouse both had long careers as public employees, your public sector indexed pensions might be the ticket to the high life. For instance if you and your spouse earned an annual salary of $63,000 each working in the public sector, and you both retired at age 65 after working for 35 years, you can expect to live like royalty when you retire. Your combined pensions plus OAS will typically pay about $100,000 a year plus inflation adjustments—the equivalent to saving up a $1.75 million nest egg. That’s why many public sector workers discover that they actually have a much higher standard of living in retirement than they did when they were working.

Keep the dream alive

In the end you have to match wants to means. If you’re no millionaire, there’s no need to give up on your retirement dreams, says Schlenker. Instead try to find a lower-cost version of what you’re looking for that fits your budget. For example, if you planned on owning a luxury beach front condo in a swanky part of Florida, but you’re worried you won’t be able to afford it, you could try renting a condo away from the beach in a less sought-after locale. Or you could do what VanGorder is doing. After retiring he decided to go back to work for three days a week as business development manager for HiringSmart, a systems software and services provider. The extra cash is helping him live the good life, and he loves the work too. “I’m meeting a financial need in a way that, fortunately, turns out to be very enjoyable for me.”

[酥然-小酥]

RRSP/TFSA购买保本基金可以参考以下，和我这里预约时间。
http://rbcinsurance.globefund.com/gi...&f_arr=-999999

[酥然-小酥]

1， 周一我们会发提醒讲座电邮， 请注意查收；

2， 现有本省石油行业项目投资机会涉及个人和单位均可，面向国内华人个人和单位投资者，本地可获得独家华人代理权，华人个人和单位（和国内石油行业有联系人）均可投资。有兴趣者请前来联系。本项目本地一些大石油公司已有投资到位。本信息供参考。一切后续事宜请前来联系商议。

3， 我有客户专业公司提供明年石油参展观展全套服务，国内需要自行前来的个人和单位（本地同胞的任何关系单位或/和家属朋友）需要帮助，可以前来索要有关信息，（本地服务比国内便宜---因省去一些不必要的费用）。