\u660e\u62a5\/\u5e74\u5e95\u5c06\u81f3\uff0c\u8d22\u4ea7\u8ba1\u5212\u4e13\u5bb6\u63d0\u9192\u52a0\u62ff\u5927\u56fd\u6c11\uff0c\u5e94\u4e8e\u5e74\u5e95\u524d\u4f5c\u51fa\u4e00\u4e9b\u9000\u7a0e\u4f18\u60e0\u7b56\u7565\uff0c\u4f8b\u5982\u67e5\u770b\u6709\u5426\u4e3a\u5b50\u5973\u6216\u5b59\u5b50\u5973\u505a\u8db3\u201c\u6ce8\u518c\u6559\u80b2\u50a8\u84c4\u8ba1\u5212\u201d(RESP)\uff0c\u4ece\u800c\u53ef\u83b7\u8054\u90a6\u653f\u5e9c\u7ed9\u56fd\u6c11\u768420%\u201c\u52a0\u56fd\u6559\u80b2\u50a8\u84c4\u5956\u91d1\u201d\u3002<\/p>\n
\u52a0\u62ff\u5927\u5e1d\u56fd\u5546\u4e1a\u94f6\u884c(CIBC)\u7684\u8d22\u4ea7\u8ba1\u5212\u4e13\u5bb6\u9ad8\u6d1b\u8d1d\u514b(Jamie Golombek)\u6307\u51fa\uff0c\u4e0d\u5c11\u9000\u7a0e\u4f18\u60e0\u4f1a\u4e8e\u5e74\u5e9512\u670831\u65e5\u540e\u5230\u671f\uff0c\u6545\u5e94\u8d76\u5feb\u52a8\u624b\u3002\u4ed6\u6307\u51fa\u4ee5\u4e0b\u662f\u56fd\u6c115\u5927\u201c\u8d70\u6f0f\u773c\u201d\u9000\u7a0e\u4f18\u60e0\uff1a<\/p>\n
\u5e74\u5e95\u524d\u6350\u5584\u6b3e \u83b7\u4eca\u5e74\u9000\u7a0e<\/p>\n
(1)\u82e5\u6253\u7b97\u6350\u6b3e\u7ed9\u6148\u5584\u673a\u6784\u7684\u8bdd\uff0c\u6700\u597d\u4e8e12\u670831\u65e5\u524d\u6350\uff0c\u4fbf\u53ef\u83b72012\u5e74\u62a5\u7a0e\u7684\u9000\u7a0e\u4f18\u60e0\u3002\u5018\u82e5\u4f60\u4e8e2012\u5e74\u7684\u6350\u6b3e\u903e200\u5143\uff0c\u6bcf\u6350\u591a100\u5143\uff0c\u4fbf\u6709\u673a\u4f1a\u83b7\u5f97\u591a\u81f3100\u5143\u7684\u9000\u7a0e\uff0c\u89c6\u4e4e\u62a5\u7a0e\u8005\u662f\u5c45\u4e8e\u90a3\u4e2a\u7701\u4efd\u3002<\/p>\n
(2)\u4e3a\u5b50\u5973\u6216\u5b59\u5b50\u5973\u505a\u201c\u6ce8\u518c\u6559\u80b2\u50a8\u84c4\u8ba1\u5212\u201d(RESP)\u4e2d\uff0c\u6bcf\u5e74\u4e3a\u6bcf\u540d\u5b50\u5973\u50a8\u84c4\u7684\u99962500\u5143\uff0c\u53ef\u83b7\u8054\u90a6\u653f\u5e9c\u7ed9\u56fd\u6c11\u768420%\u201c\u52a0\u56fd\u6559\u80b2\u50a8\u84c4\u5956\u91d1\u201d(Canada Education Savings Grant)\uff0c\u6bcf\u540d\u5b50\u5973\u7684\u6700\u9ad8\u5956\u91d1\u989d\u53ef\u8fbe7200\u5143\uff0c\u53ef\u4e8e\u4eca\u5e74\u5e95\u65f6\u4e70\u5c3d\u6700\u9ad8\u989d\u3002<\/p>\n
(3)\u4e8e\u5e74\u5e95\u524d\u4e3a\u5f00\u652f\u4ed8\u5e10\u7684\u8bdd\uff0c\u53ef\u80fd\u83b7\u9000\u7a0e\u53ca\u4f18\u60e0\u3002\u4f8b\u5982\u5b66\u751f\u8d37\u6b3e\u4ed8\u7684\u5229\u606f\u3001\u6258\u513f\u6240\u8d39\u7528\u3001\u5b50\u5973\u7684\u4f53\u80b2\u6216\u7f8e\u672f\u8bfe\u8d39\u7528\uff0c\u90fd\u6709\u673a\u4f1a\u7533\u8bf7\u9000\u7a0e\uff0c\u4f46\u8981\u4e8e\u5e74\u5e95\u524d\u4ed8\u51fa\u8be5\u7b14\u8d39\u7528\u3002<\/p>\n
(4)\u67e5\u770b\u81ea\u5df1\u7684\u6295\u8d44\uff0c\u901a\u5e38\u8981\u4ea4\u91cd\u7a0e\u7684\u5229\u606f\u6536\u5165\u6295\u8d44\uff0c\u6700\u597d\u505a\u201c\u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\u201d(RRSP)\u6216\u514d\u7a0e\u50a8\u84c4\u6237\u53e3(TFSA)\u3002\u52a0\u56fd\u65e0\u56fa\u5b9a\u5229\u606f\u80a1\u7968(Canadian equities)\u7531\u4e8e\u5176\u80a1\u606f\u53ca\u8d44\u672c\u589e\u503c\u7684\u62bd\u7a0e\u8f83\u8f7b\uff0c\u6545\u53ef\u653e\u4e8e\u975e\u6ce8\u518c\u6237\u53e3\u3002<\/p>\n
(5)\u5018\u82e5\u5feb\u5c06\u8fdb\u5165\u9000\u4f11\u5e74\u9f84\u7684\u8bdd\uff0c\u4f8b\u5982\u4e8e\u4eca\u5e74\u8fbe65\u5c81\u4f46\u672a\u7533\u8bf7\u8fc7\u201c\u8006\u8001\u4fdd\u969c\u91d1\u201d(Old Age Security benefits)\u7684\u8bdd\uff0c\u53ef\u7533\u8bf7\u8ffd\u56de\u5e94\u83b7\u7684\u8001\u4eba\u91d1\uff0c\u6700\u591a\u53ef\u8fbe6500\u5143\uff0c\u4f46\u8981\u4e8e\u67d0\u9650\u671f\u5185\u7533\u8bf7\u3002<\/p>\n
\u5018\u82e5\u4eca\u5e74\u8fbe71\u5c81\uff0c\u53ef\u4e8e12\u670831\u65e5\u4e70\u6700\u540e\u4e00\u6b21RRSP\uff0c\u7136\u540e\u5c06\u4e4b\u8f6c\u4e3a\u201c\u6ce8\u518c\u9000\u4f11\u6536\u5165\u57fa\u91d1\u201dRRIF\u6216\u6ce8\u518c\u4e3a\u517b\u8001\u91d1(registered annuity)\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"
\u660e\u62a5\/\u5e74\u5e95\u5c06\u81f3\uff0c\u8d22\u4ea7\u8ba1\u5212\u4e13\u5bb6\u63d0\u9192\u52a0\u62ff\u5927\u56fd\u6c11\uff0c\u5e94\u4e8e\u5e74\u5e95\u524d\u4f5c\u51fa\u4e00\u4e9b\u9000\u7a0e\u4f18\u60e0\u7b56\u7565\uff0c\u4f8b\u5982\u67e5\u770b\u6709\u5426\u4e3a\u5b50\u5973\u6216\u5b59\u5b50\u5973\u505a\u8db3\u201c\u6ce8\u518c\u6559\u80b2\u50a8\u84c4\u8ba1\u5212\u201d(RESP)\uff0c\u4ece\u800c\u53ef\u83b7\u8054\u90a6\u653f\u5e9c\u7ed9\u56fd\u6c11\u768420%\u201c\u52a0\u56fd\u6559\u80b2\u50a8\u84c4\u5956\u91d1\u201d\u3002 \u52a0\u62ff\u5927\u5e1d\u56fd\u5546\u4e1a\u94f6\u884c(CIBC)\u7684\u8d22\u4ea7\u8ba1\u5212\u4e13\u5bb6\u9ad8\u6d1b\u8d1d\u514b(Jamie Golombek)\u6307\u51fa\uff0c\u4e0d\u5c11\u9000\u7a0e\u4f18\u60e0\u4f1a\u4e8e…
Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[10],"tags":[],"_links":{"self":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/38333"}],"collection":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=38333"}],"version-history":[{"count":1,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/38333\/revisions"}],"predecessor-version":[{"id":38334,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/38333\/revisions\/38334"}],"wp:attachment":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=38333"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=38333"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=38333"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}