{"id":95196,"date":"2026-10-21T16:01:10","date_gmt":"2026-10-21T21:01:10","guid":{"rendered":"https:\/\/blog.jackjia.com\/?p=95196"},"modified":"2026-10-23T16:02:22","modified_gmt":"2026-10-23T21:02:22","slug":"20261021-%e5%8a%a0%e6%8b%bf%e5%a4%a7%e4%ba%ba%e9%80%80%e4%bc%91%e5%90%8e%e5%85%88%e5%8f%96%e5%93%aa%e7%ac%94%e9%92%b1%ef%bc%9f%e4%b8%93%e5%ae%b6%e8%a7%a3%e6%9e%90rrsp%e3%80%81tfsa%e6%8f%90%e6%ac%be","status":"publish","type":"post","link":"https:\/\/blog.jackjia.com\/?p=95196","title":{"rendered":"20261021\/\u52a0\u62ff\u5927\u4eba\u9000\u4f11\u540e\u5148\u53d6\u54ea\u7b14\u94b1\uff1f\u4e13\u5bb6\u89e3\u6790RRSP\u3001TFSA\u63d0\u6b3e\u987a\u5e8f\uff0c\u907f\u514d\u591a\u4ea4\u7a0e"},"content":{"rendered":"<p><a href=\"https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/10\/ctv261023_1.png\"><img loading=\"lazy\" src=\"https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/10\/ctv261023_1.png\" alt=\"\" width=\"665\" height=\"369\" class=\"aligncenter size-full wp-image-95197\" srcset=\"https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/10\/ctv261023_1.png 665w, https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/10\/ctv261023_1-300x166.png 300w\" sizes=\"(max-width: 665px) 100vw, 665px\" \/><\/a><\/p>\n<p>\u52a0\u62ff\u5927\u4eba\u9000\u4f11\u540e\uff0c\u5982\u4f55\u5b89\u6392\u50a8\u84c4\u63d0\u6b3e\uff0c\u4e0d\u4ec5\u5173\u7cfb\u5230\u65e5\u5e38\u751f\u6d3b\u5f00\u652f\uff0c\u4e5f\u53ef\u80fd\u5f71\u54cd\u4e2a\u4eba\u6240\u5f97\u7a0e\u548c\u653f\u5e9c\u517b\u8001\u91d1\u798f\u5229\u3002<\/p>\n<p>\u7406\u8d22\u4e13\u5bb6Christopher Liew\u6307\u51fa\uff0c\u9000\u4f11\u4eba\u58eb\u5373\u4f7f\u79ef\u7d2f\u4e86\u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\uff08RRSP\uff09\u3001\u514d\u7a0e\u50a8\u84c4\u8d26\u6237\uff08TFSA\uff09\u4ee5\u53ca\u666e\u901a\u975e\u6ce8\u518c\u6295\u8d44\u8d26\u6237\uff0c\u4e5f\u9700\u8981\u63d0\u524d\u89c4\u5212\u63d0\u6b3e\u987a\u5e8f\u3002\u5982\u679c\u5b89\u6392\u4e0d\u5f53\uff0c\u53ef\u80fd\u589e\u52a0\u7a0e\u52a1\u8d1f\u62c5\uff0c\u751a\u81f3\u5bfc\u81f4\u90e8\u5206\u8001\u5e74\u4fdd\u969c\u91d1\uff08OAS\uff09\u88ab\u8ffd\u56de\u3002<\/p>\n<p>\u4f20\u7edf\u7684\u9000\u4f11\u63d0\u6b3e\u539f\u5219\u901a\u5e38\u662f\u5148\u4f7f\u7528\u975e\u6ce8\u518c\u6295\u8d44\u8d26\u6237\uff0c\u518d\u63d0\u53d6RRSP\u6216\u6ce8\u518c\u9000\u4f11\u6536\u5165\u57fa\u91d1\uff08RRIF\uff09\uff0c\u6700\u540e\u52a8\u7528TFSA\u3002<\/p>\n<p>\u4e0d\u8fc7\uff0cLiew\u8ba4\u4e3a\uff0c\u8fd9\u4e00\u987a\u5e8f\u53ea\u80fd\u4f5c\u4e3a\u53c2\u8003\u3002\u66f4\u5408\u7406\u7684\u505a\u6cd5\u662f\u6839\u636e\u6bcf\u5e74\u7684\u6536\u5165\u3001\u7a0e\u7387\u548c\u4e2a\u4eba\u8d22\u52a1\u72b6\u51b5\uff0c\u7075\u6d3b\u642d\u914d\u4e0d\u540c\u8d26\u6237\uff0c\u800c\u4e0d\u662f\u7b49\u4e00\u4e2a\u8d26\u6237\u7528\u5b8c\u540e\u518d\u52a8\u7528\u4e0b\u4e00\u4e2a\u3002<\/p>\n<p>\u4e34\u8fd1\u5e74\u5e95\uff0c\u9000\u4f11\u4eba\u58eb\u4e5f\u5e94\u68c0\u67e52026\u5e74\u5df2\u7ecf\u53d6\u5f97\u7684\u5e94\u7a0e\u6536\u5165\uff0c\u56e0\u4e3a\u572812\u670831\u65e5\u524d\u63d0\u53d6\u7684\u5e94\u7a0e\u8d44\u91d1\uff0c\u901a\u5e38\u4f1a\u8ba1\u5165\u5f53\u5e74\u7684\u62a5\u7a0e\u6536\u5165\u3002<\/p>\n<p>\u4e00\u3001\u666e\u901a\u975e\u6ce8\u518c\u6295\u8d44\u8d26\u6237\u53ef\u4ee5\u4f18\u5148\u4f7f\u7528\uff0c\u4f46\u8981\u7559\u610f\u8d44\u672c\u5229\u5f97<\/p>\n<p>\u666e\u901a\u975e\u6ce8\u518c\u6295\u8d44\u8d26\u6237\u6ca1\u6709RRSP\u6216TFSA\u90a3\u6837\u7684\u7a0e\u52a1\u4f18\u60e0\u3002\u8d26\u6237\u4ea7\u751f\u7684\u5229\u606f\u3001\u80a1\u606f\uff0c\u4ee5\u53ca\u51fa\u552e\u6295\u8d44\u65f6\u5b9e\u73b0\u7684\u8d44\u672c\u5229\u5f97\uff0c\u90fd\u53ef\u80fd\u6d89\u53ca\u7a0e\u52a1\u3002<\/p>\n<p>\u5373\u4f7f\u6295\u8d44\u6536\u76ca\u7ee7\u7eed\u6295\u5165\u5e02\u573a\uff0c\u4e5f\u53ef\u80fd\u9700\u8981\u6bcf\u5e74\u4e3a\u90e8\u5206\u6536\u76ca\u7f34\u7a0e\uff0c\u957f\u671f\u4e0b\u6765\u4f1a\u5f71\u54cd\u6295\u8d44\u7684\u590d\u5229\u589e\u957f\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u5728\u6761\u4ef6\u5408\u9002\u7684\u60c5\u51b5\u4e0b\uff0c\u9000\u4f11\u4eba\u58eb\u53ef\u4ee5\u8003\u8651\u4f18\u5148\u4f7f\u7528\u666e\u901a\u975e\u6ce8\u518c\u8d26\u6237\u4e2d\u7684\u8d44\u91d1\uff0c\u8ba9RRSP\u548cTFSA\u7ee7\u7eed\u4eab\u53d7\u76f8\u5e94\u7684\u7a0e\u52a1\u4f18\u60e0\u3002<\/p>\n<p>\u4e0d\u8fc7\uff0c\u51fa\u552e\u6295\u8d44\u65f6\u9700\u8981\u7559\u610f\u8d44\u672c\u5229\u5f97\u3002\u5982\u679c\u6295\u8d44\u7ecf\u8fc7\u591a\u5e74\u4e0a\u6da8\uff0c\u51fa\u552e\u65f6\u53ef\u80fd\u4ea7\u751f\u8f83\u5927\u7684\u8d44\u672c\u5229\u5f97\u3002Liew\u5efa\u8bae\uff0c\u53ef\u4ee5\u8003\u8651\u5728\u4e2a\u4eba\u6536\u5165\u8f83\u4f4e\u7684\u5e74\u4efd\u51fa\u552e\u90e8\u5206\u6295\u8d44\uff0c\u5c24\u5176\u662f\u5728\u5f00\u59cb\u9886\u53d6OAS\u4e4b\u524d\uff0c\u8bc4\u4f30\u662f\u5426\u9002\u5408\u5b9e\u73b0\u90e8\u5206\u6536\u76ca\u3002<\/p>\n<p>\u6309\u7167\u52a0\u62ff\u5927\u73b0\u884c\u7684\u4e00\u822c\u8d44\u672c\u5229\u5f97\u8ba1\u7a0e\u89c4\u5219\uff0c\u8d44\u672c\u5229\u5f97\u7684\u5e94\u7a0e\u90e8\u5206\u4f1a\u8ba1\u5165\u4e2a\u4eba\u6536\u5165\uff0c\u56e0\u6b64\u53ef\u80fd\u5f71\u54cd\u6574\u4f53\u7a0e\u52a1\u8d1f\u62c5\u53caOAS\u8ffd\u56de\u7a0e\u7684\u8ba1\u7b97\u3002<\/p>\n<p>\u6b64\u5916\uff0c\u9000\u4f11\u4eba\u58eb\u4e0d\u5b9c\u4e3a\u4e86\u9075\u5faa\u63d0\u6b3e\u987a\u5e8f\u800c\u5c06\u666e\u901a\u6295\u8d44\u8d26\u6237\u5168\u90e8\u6e05\u7a7a\u3002\u4fdd\u7559\u9002\u5ea6\u7684\u73b0\u91d1\u50a8\u5907\uff0c\u6709\u52a9\u4e8e\u5e94\u5bf9\u7a81\u53d1\u5f00\u652f\u3002<\/p>\n<p>\u4e8c\u3001\u4e0d\u8981\u4e00\u5473\u7b49\u523071\u5c81\u624d\u63d0\u53d6RRSP<\/p>\n<p>\u4e00\u4e9b\u9000\u4f11\u4eba\u58eb\u503e\u5411\u4e8e\u5c3d\u53ef\u80fd\u4fdd\u7559RRSP\uff0c\u76f4\u5230\u5fc5\u987b\u8f6c\u6362\u8d26\u6237\u65f6\u624d\u5f00\u59cb\u63d0\u6b3e\u3002<\/p>\n<p>\u4e00\u822c\u800c\u8a00\uff0cRRSP\u6301\u6709\u4eba\u9700\u8981\u5728\u5e74\u6ee171\u5c81\u7684\u5f53\u5e74\u5e74\u5e95\u524d\uff0c\u5c06\u8d26\u6237\u8f6c\u6362\u4e3aRRIF\u3001\u8d2d\u4e70\u7b26\u5408\u89c4\u5b9a\u7684\u5e74\u91d1\uff0c\u6216\u4ee5\u5176\u4ed6\u5141\u8bb8\u7684\u65b9\u5f0f\u5904\u7406\u3002<\/p>\n<p>Liew\u6307\u51fa\uff0c\u9000\u4f11\u4eba\u58eb\u53ef\u4ee5\u8003\u8651\u5728\u9000\u4f11\u540e\u81f371\u5c81\u4e4b\u524d\uff0c\u9010\u6b65\u63d0\u53d6\u90e8\u5206RRSP\u8d44\u91d1\uff0c\u800c\u4e0d\u662f\u5c06\u6240\u6709\u63d0\u6b3e\u63a8\u8fdf\u5230\u540e\u671f\u3002<\/p>\n<p>\u4e00\u79cd\u53ef\u4f9b\u8003\u8651\u7684\u7b56\u7565\u662f\u201c\u586b\u6ee1\u8f83\u4f4e\u7a0e\u7387\u6863\u201d\uff08bracket filling\uff09\uff1a\u6839\u636e\u5f53\u5e74\u7684\u5176\u4ed6\u6536\u5165\uff0c\u9002\u91cf\u63d0\u53d6RRSP\u8d44\u91d1\uff0c\u4f7f\u603b\u6536\u5165\u63a5\u8fd1\u67d0\u4e2a\u8f83\u4f4e\u7a0e\u7387\u6863\u7684\u4e0a\u9650\uff0c\u540c\u65f6\u5c3d\u91cf\u907f\u514d\u8de8\u5165\u66f4\u9ad8\u7a0e\u7387\u6863\u3002<\/p>\n<p>\u8fd9\u79cd\u505a\u6cd5\u53ef\u80fd\u6709\u52a9\u4e8e\u5e73\u6ed1\u9000\u4f11\u671f\u95f4\u7684\u7a0e\u52a1\u8d1f\u62c5\uff0c\u51cf\u5c11\u672a\u6765RRIF\u7684\u6700\u4f4e\u5f3a\u5236\u63d0\u6b3e\u91d1\u989d\uff0c\u5e76\u964d\u4f4e\u90e8\u5206\u9057\u4ea7\u7a0e\u52a1\u98ce\u9669\u3002<\/p>\n<p>\u8fd9\u662f\u56e0\u4e3aRRSP\u6216RRIF\u6301\u6709\u4eba\u53bb\u4e16\u65f6\uff0c\u8d26\u6237\u8d44\u91d1\u901a\u5e38\u53ef\u80fd\u5728\u6700\u7ec8\u62a5\u7a0e\u4e2d\u5f62\u6210\u5e94\u7a0e\u6536\u5165\u3002\u4e0d\u8fc7\uff0c\u7b26\u5408\u6761\u4ef6\u7684\u914d\u5076\u9012\u5ef6\u8f6c\u79fb\u7b49\u60c5\u51b5\u53ef\u80fd\u9002\u7528\u4e0d\u540c\u89c4\u5b9a\u3002<\/p>\n<p>\u5bf9\u4e8e\u5e74\u6ee165\u5c81\u7684\u4eba\uff0c\u8fd8\u53ef\u4ee5\u8bc4\u4f30\u662f\u5426\u5c06\u90e8\u5206RRSP\u8f6c\u6362\u4e3aRRIF\u3002\u7b26\u5408\u6761\u4ef6\u7684RRIF\u63d0\u6b3e\u53ef\u80fd\u6709\u8d44\u683c\u4eab\u53d7\u8054\u90a6\u517b\u8001\u91d1\u6536\u5165\u91d1\u989d\u62b5\u514d\uff08Pension Income Amount\uff09\uff0c\u6bcf\u5e74\u6700\u9ad8\u6d89\u53ca2,000\u52a0\u5143\u7684\u5408\u8d44\u683c\u6536\u5165\u3002<\/p>\n<p>\u6b64\u5916\uff0c\u7b26\u5408\u6761\u4ef6\u7684\u517b\u8001\u91d1\u6536\u5165\u8fd8\u53ef\u80fd\u4e0e\u914d\u5076\u8fdb\u884c\u6536\u5165\u5206\u644a\uff0c\u4ee5\u5e2e\u52a9\u63a7\u5236\u53cc\u65b9\u7684\u5e94\u7a0e\u6536\u5165\u3002\u4e0d\u8fc7\uff0c\u5177\u4f53\u80fd\u5426\u4eab\u53d7\u76f8\u5173\u4f18\u60e0\uff0c\u53d6\u51b3\u4e8e\u63d0\u6b3e\u7c7b\u578b\u3001\u5e74\u9f84\u3001\u6536\u5165\u53ca\u5176\u4ed6\u6761\u4ef6\u3002<\/p>\n<p><a href=\"https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/10\/ctv261023_2.png\"><img loading=\"lazy\" src=\"https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/10\/ctv261023_2.png\" alt=\"\" width=\"639\" height=\"421\" class=\"aligncenter size-large wp-image-95198\" srcset=\"https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/10\/ctv261023_2.png 639w, https:\/\/blog.jackjia.com\/wp-content\/uploads\/2026\/10\/ctv261023_2-300x198.png 300w\" sizes=\"(max-width: 639px) 100vw, 639px\" \/><\/a><\/p>\n<p>\u4e09\u3001\u8003\u8651\u7528RRSP\u50a8\u84c4\u8fc7\u6e21\uff0c\u5ef6\u540e\u9886\u53d6CPP\u548cOAS<\/p>\n<p>\u9000\u4f11\u4eba\u58eb\u8fd8\u53ef\u4ee5\u8bc4\u4f30\u53e6\u4e00\u79cd\u7b56\u7565\uff1a\u572860\u591a\u5c81\u65f6\u5148\u4f7f\u7528\u90e8\u5206RRSP\u50a8\u84c4\u652f\u4ed8\u751f\u6d3b\u5f00\u652f\uff0c\u540c\u65f6\u5ef6\u540e\u9886\u53d6\u52a0\u62ff\u5927\u9000\u4f11\u91d1\u8ba1\u5212\uff08CPP\uff09\u548c\u8001\u5e74\u4fdd\u969c\u91d1\uff08OAS\uff09\u3002<\/p>\n<p>\u6309\u7167\u52a0\u62ff\u5927\u653f\u5e9c\u7684\u89c4\u5b9a\uff0c\u4ee565\u5c81\u5f00\u59cb\u9886\u53d6CPP\u4f5c\u4e3a\u6bd4\u8f83\u57fa\u51c6\uff0c\u6bcf\u5ef6\u8fdf\u4e00\u4e2a\u6708\uff0c\u517b\u8001\u91d1\u91d1\u989d\u589e\u52a00.7%\uff1b\u5982\u679c\u63a8\u8fdf\u81f370\u5c81\uff0c\u91d1\u989d\u6700\u9ad8\u53ef\u589e\u52a042%\u3002<\/p>\n<p>OAS\u4e5f\u63d0\u4f9b\u5ef6\u8fdf\u9886\u53d6\u7684\u589e\u989d\u673a\u5236\uff0c\u4f46\u589e\u5e45\u8f83\u5c0f\u3002<\/p>\n<p>\u8fd9\u610f\u5473\u7740\uff0c\u90e8\u5206\u9000\u4f11\u4eba\u58eb\u53ef\u4ee5\u572860\u591a\u5c81\u65f6\u9002\u91cf\u4f7f\u7528RRSP\u8d44\u91d1\uff0c\u6362\u53d6\u672a\u6765\u66f4\u9ad8\u3001\u5e76\u5177\u6709\u901a\u80c0\u8c03\u6574\u673a\u5236\u7684\u7ec8\u8eab\u517b\u8001\u91d1\u6536\u5165\u3002<\/p>\n<p>Liew\u8ba4\u4e3a\uff0c\u8fd9\u79cd\u5b89\u6392\u662f\u52a0\u62ff\u5927\u9000\u4f11\u89c4\u5212\u4e2d\u503c\u5f97\u5173\u6ce8\u3001\u4f46\u7ecf\u5e38\u88ab\u4f4e\u4f30\u7684\u7b56\u7565\u4e4b\u4e00\u3002<\/p>\n<p>\u4e0d\u8fc7\uff0c\u8fd9\u5e76\u4e0d\u9002\u5408\u6240\u6709\u4eba\u3002\u5982\u679c\u9000\u4f11\u4eba\u58eb\u5065\u5eb7\u72b6\u51b5\u4e0d\u4f73\u3001\u50a8\u84c4\u4e0d\u8db3\u4ee5\u652f\u6301\u5ef6\u8fdf\u9886\u53d6\u671f\u95f4\u7684\u751f\u6d3b\u5f00\u652f\uff0c\u6216\u66f4\u9700\u8981\u63d0\u524d\u83b7\u5f97\u7a33\u5b9a\u6536\u5165\uff0c\u90a3\u4e48\u8f83\u65e9\u5f00\u59cb\u9886\u53d6\u653f\u5e9c\u517b\u8001\u91d1\u4e5f\u53ef\u80fd\u66f4\u7b26\u5408\u5b9e\u9645\u9700\u8981\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u662f\u5426\u5ef6\u540e\u9886\u53d6\uff0c\u5e94\u7ed3\u5408\u4e2a\u4eba\u5065\u5eb7\u3001\u50a8\u84c4\u89c4\u6a21\u3001\u9884\u671f\u5bff\u547d\u53ca\u5176\u4ed6\u6536\u5165\u6765\u6e90\u7efc\u5408\u5224\u65ad\u3002<\/p>\n<p>\u56db\u3001TFSA\u4e0d\u4e00\u5b9a\u8981\u6700\u540e\u624d\u52a8\u7528<\/p>\n<p>\u514d\u7a0e\u50a8\u84c4\u8d26\u6237\uff08TFSA\uff09\u5177\u6709\u8f83\u9ad8\u7684\u7075\u6d3b\u6027\u3002\u52a0\u62ff\u5927\u7a0e\u52a1\u5c40\u786e\u8ba4\uff0cTFSA\u5185\u7684\u6295\u8d44\u6536\u5165\u53ca\u63d0\u6b3e\u4e0d\u4f1a\u8ba1\u5165\u8ba1\u7b97OAS\u548c\u4fdd\u8bc1\u6536\u5165\u8865\u52a9\uff08GIS\uff09\u65f6\u4f7f\u7528\u7684\u6536\u5165\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u5f53\u67d0\u4e00\u5e74\u7684\u6536\u5165\u63a5\u8fd1OAS\u8ffd\u56de\u7a0e\u95e8\u69db\u65f6\uff0cTFSA\u53ef\u4ee5\u6210\u4e3a\u91cd\u8981\u7684\u8d44\u91d1\u6765\u6e90\u3002\u5176\u4ed6\u9002\u7528\u60c5\u5f62\u8fd8\u5305\u62ec\u51fa\u552e\u623f\u4ea7\u5bfc\u81f4\u5f53\u5e74\u5e94\u7a0e\u6536\u5165\u8f83\u9ad8\uff0c\u6216\u9047\u5230\u88c5\u4fee\u3001\u533b\u7597\u7167\u62a4\u7b49\u4e00\u6b21\u6027\u5927\u989d\u5f00\u652f\u3002<\/p>\n<p>TFSA\u4e5f\u53ef\u4ee5\u5728\u5e02\u573a\u4e0b\u8dcc\u65f6\u5145\u5f53\u7f13\u51b2\u8d44\u91d1\u3002\u5982\u679c\u80a1\u5e02\u8868\u73b0\u4e0d\u4f73\uff0c\u9000\u4f11\u4eba\u58eb\u53ef\u4ee5\u8003\u8651\u4f7f\u7528TFSA\u8d44\u91d1\u652f\u4ed8\u751f\u6d3b\u5f00\u652f\uff0c\u907f\u514d\u88ab\u8feb\u5728\u4f4e\u4ef7\u65f6\u51fa\u552eRRIF\u4e2d\u7684\u6295\u8d44\u3002<\/p>\n<p>\u6b64\u5916\uff0c\u5982\u679c\u5f53\u5e74RRSP\u63d0\u6b3e\u8d85\u8fc7\u5b9e\u9645\u751f\u6d3b\u6240\u9700\uff0c\u5728\u4ecd\u6709TFSA\u4f9b\u6b3e\u989d\u5ea6\u7684\u524d\u63d0\u4e0b\uff0c\u4e5f\u53ef\u4ee5\u8003\u8651\u5c06\u591a\u4f59\u8d44\u91d1\u5b58\u5165TFSA\uff0c\u8ba9\u8d44\u91d1\u672a\u6765\u7ee7\u7eed\u4eab\u53d7\u514d\u7a0e\u589e\u957f\u3002<\/p>\n<p>\u5bf9\u4e8e\u9884\u8ba1\u7b26\u5408GIS\u9886\u53d6\u6761\u4ef6\u7684\u4eba\u58eb\uff0c\u63a7\u5236\u5e94\u7a0e\u6536\u5165\u5c24\u5176\u91cd\u8981\u3002\u7531\u4e8eGIS\u901a\u5e38\u4e0e\u6536\u5165\u72b6\u51b5\u6709\u5173\uff0cTFSA\u63d0\u6b3e\u4e0d\u4f1a\u8ba1\u5165\u76f8\u5173\u6536\u5165\u8ba1\u7b97\uff0c\u56e0\u6b64\u5728\u90e8\u5206\u60c5\u51b5\u4e0b\uff0c\u4f18\u5148\u4f7f\u7528TFSA\u53ef\u80fd\u66f4\u6709\u5229\u3002<\/p>\n<p>\u4e94\u3001\u5c06\u5176\u4ed6\u6536\u5165\u6765\u6e90\u7eb3\u5165\u6574\u4f53\u89c4\u5212<\/p>\n<p>\u9000\u4f11\u63d0\u6b3e\u8ba1\u5212\u8fd8\u5e94\u8003\u8651\u5176\u4ed6\u6536\u5165\u6765\u6e90\uff0c\u800c\u4e0d\u4ec5\u4ec5\u662fRRSP\u3001RRIF\u548cTFSA\u3002<\/p>\n<p>\u62e5\u6709\u56fa\u5b9a\u6536\u76ca\u517b\u8001\u91d1\u6216\u5e74\u91d1\u7684\u4eba\u58eb\uff0c\u53ef\u4ee5\u5c06\u8fd9\u4e9b\u6536\u5165\u89c6\u4e3a\u9000\u4f11\u6536\u5165\u7684\u57fa\u7840\uff0c\u518d\u5b89\u6392RRSP\u6216RRIF\u63d0\u6b3e\u91d1\u989d\uff0c\u5c3d\u91cf\u63a7\u5236\u6574\u4f53\u6536\u5165\u5904\u4e8e\u76ee\u6807\u7a0e\u7387\u6863\u5185\u3002<\/p>\n<p>\u5bf9\u4e8e\u62e5\u6709\u51fa\u79df\u7269\u4e1a\u7684\u4eba\u58eb\uff0c\u79df\u91d1\u6536\u5165\u540c\u6837\u4f1a\u5f71\u54cd\u6574\u4f53\u7a0e\u52a1\u3002\u5728\u623f\u5c4b\u7ef4\u4fee\u8d39\u7528\u8f83\u9ad8\u6216\u51fa\u73b0\u7a7a\u7f6e\u671f\u65f6\uff0c\u53ef\u4ee5\u8003\u8651\u4f7f\u7528TFSA\u8d44\u91d1\u8865\u8db3\u73b0\u91d1\u6d41\uff0c\u907f\u514d\u4e3a\u4e86\u652f\u4ed8\u65e5\u5e38\u5f00\u652f\u800c\u4ed3\u4fc3\u51fa\u552e\u6295\u8d44\u3002<\/p>\n<p>\u62e5\u6709\u516c\u53f8\u7684\u9000\u4f11\u4eba\u58eb\u5219\u53ef\u80fd\u6709\u66f4\u591a\u89c4\u5212\u7a7a\u95f4\uff0c\u4f8b\u5982\u7ed3\u5408\u4e0d\u540c\u5e74\u4efd\u7684\u6536\u5165\u72b6\u51b5\uff0c\u5b89\u6392\u516c\u53f8\u80a1\u606f\u7684\u53d1\u653e\u65f6\u95f4\u3002\u4e0d\u8fc7\uff0c\u5177\u4f53\u505a\u6cd5\u9700\u8981\u8003\u8651\u516c\u53f8\u7a0e\u52a1\u3001\u4e2a\u4eba\u7a0e\u7387\u53ca\u5176\u4ed6\u76f8\u5173\u89c4\u5b9a\u3002<\/p>\n<p>\u81ea\u4f4f\u623f\u4e5f\u53ef\u4ee5\u4f5c\u4e3a\u6700\u540e\u4e00\u9053\u8d22\u52a1\u4fdd\u969c\u3002<\/p>\n<p>\u5982\u679c\u5728\u4ecd\u7b26\u5408\u8d37\u6b3e\u6761\u4ef6\u65f6\u9884\u5148\u8bbe\u7acb\u623f\u5c4b\u51c0\u503c\u4fe1\u8d37\u989d\u5ea6\uff08HELOC\uff09\uff0c\u9047\u5230\u5e02\u573a\u4e0b\u8dcc\u6216\u77ed\u671f\u8d44\u91d1\u9700\u6c42\u65f6\uff0c\u53ef\u80fd\u6709\u52a9\u4e8e\u8865\u5145\u73b0\u91d1\u6d41\uff0c\u907f\u514d\u4f4e\u4ef7\u51fa\u552e\u6295\u8d44\u3002<\/p>\n<p>\u53cd\u5411\u62b5\u62bc\u8d37\u6b3e\uff08Reverse Mortgage\uff09\u4e5f\u53ef\u4ee5\u4e3a\u90e8\u5206\u957f\u8005\u63d0\u4f9b\u8d44\u91d1\uff0c\u8ba9\u4ed6\u4eec\u7ee7\u7eed\u4f4f\u5728\u81ea\u5df1\u7684\u623f\u5c4b\u4e2d\u3002\u4e0d\u8fc7\uff0c\u8fd9\u7c7b\u4ea7\u54c1\u901a\u5e38\u6d89\u53ca\u8f83\u9ad8\u7684\u5229\u606f\u548c\u8d39\u7528\uff0c\u9700\u8981\u8c28\u614e\u8bc4\u4f30\uff0c\u5c24\u5176\u5e94\u5145\u5206\u4e86\u89e3\u957f\u671f\u6210\u672c\uff0c\u4ee5\u53ca\u5bf9\u623f\u5c4b\u51c0\u503c\u548c\u9057\u4ea7\u5b89\u6392\u7684\u5f71\u54cd\u3002<\/p>\n<p>\u9000\u4f11\u63d0\u6b3e\u6ca1\u6709\u7edf\u4e00\u7b54\u6848\uff0c\u5173\u952e\u5728\u4e8e\u63d0\u524d\u89c4\u5212<\/p>\n<p>\u9000\u4f11\u540e\u5e94\u8be5\u5148\u52a8\u7528\u54ea\u4e2a\u8d26\u6237\uff0c\u5e76\u4e0d\u5b58\u5728\u9002\u7528\u4e8e\u6240\u6709\u4eba\u7684\u56fa\u5b9a\u7b54\u6848\u3002<\/p>\n<p>\u517b\u8001\u91d1\u6536\u5165\u3001\u5065\u5eb7\u72b6\u51b5\u3001\u914d\u5076\u60c5\u51b5\u3001\u5bb6\u5ead\u5f00\u652f\u548c\u9057\u4ea7\u5b89\u6392\uff0c\u90fd\u4f1a\u5f71\u54cd\u6700\u5408\u9002\u7684\u63d0\u6b3e\u7b56\u7565\u3002\u968f\u7740\u5e74\u9f84\u589e\u957f\u548c\u6536\u5165\u53d8\u5316\uff0c\u7406\u60f3\u7684\u8d26\u6237\u7ec4\u5408\u4e5f\u53ef\u80fd\u9010\u5e74\u6539\u53d8\u3002<\/p>\n<p>\u4f20\u7edf\u7684\u201c\u5148\u975e\u6ce8\u518c\u8d26\u6237\u3001\u518dRRSP\u6216RRIF\u3001\u6700\u540eTFSA\u201d\u53ef\u4ee5\u4f5c\u4e3a\u53c2\u8003\uff0c\u4f46\u4e0d\u5e94\u6210\u4e3a\u5fc5\u987b\u9075\u5faa\u7684\u89c4\u5219\u3002<\/p>\n<p>\u7406\u8d22\u4e13\u5bb6\u5efa\u8bae\uff0c\u9000\u4f11\u4eba\u58eb\u5e94\u5728\u5f00\u59cb\u63d0\u6b3e\u524d\uff0c\u7efc\u5408\u8bc4\u4f30\u5404\u8d26\u6237\u4f59\u989d\u3001\u5e74\u5ea6\u6536\u5165\u3001\u9002\u7528\u7a0e\u7387\u4ee5\u53ca\u653f\u5e9c\u798f\u5229\u7684\u5f71\u54cd\uff0c\u800c\u4e0d\u662f\u7b49\u5230RRIF\u5f3a\u5236\u63d0\u6b3e\u89c4\u5b9a\u5f00\u59cb\u751f\u6548\u540e\uff0c\u624d\u88ab\u52a8\u51b3\u5b9a\u5982\u4f55\u5904\u7406\u8d44\u91d1\u3002<\/p>\n<p>\u63d0\u524d\u505a\u597d\u9000\u4f11\u6536\u5165\u89c4\u5212\uff0c\u6709\u52a9\u4e8e\u51cf\u5c11\u4e0d\u5fc5\u8981\u7684\u7a0e\u52a1\u652f\u51fa\uff0c\u8ba9\u591a\u5e74\u79ef\u7d2f\u7684\u9000\u4f11\u50a8\u84c4\u53d1\u6325\u66f4\u5927\u7684\u4f5c\u7528\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u52a0\u62ff\u5927\u4eba\u9000\u4f11\u540e\uff0c\u5982\u4f55\u5b89\u6392\u50a8\u84c4\u63d0\u6b3e\uff0c\u4e0d\u4ec5\u5173\u7cfb\u5230\u65e5\u5e38\u751f\u6d3b\u5f00\u652f\uff0c\u4e5f\u53ef\u80fd\u5f71\u54cd\u4e2a\u4eba\u6240\u5f97\u7a0e\u548c\u653f\u5e9c\u517b\u8001\u91d1\u798f\u5229\u3002 \u7406\u8d22\u4e13\u5bb6Christopher Liew\u6307\u51fa\uff0c\u9000\u4f11\u4eba\u58eb\u5373\u4f7f\u79ef\u7d2f\u4e86\u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\uff08RRSP\uff09\u3001\u514d\u7a0e\u50a8\u84c4\u8d26\u6237\uff08TFSA\uff09\u4ee5\u53ca\u666e\u901a\u975e\u6ce8\u518c\u6295\u8d44\u8d26\u6237\uff0c\u4e5f\u9700\u8981\u63d0\u524d\u89c4\u5212\u63d0\u6b3e\u987a\u5e8f\u3002\u5982\u679c\u5b89\u6392\u4e0d\u5f53\uff0c\u53ef\u80fd\u589e\u52a0\u7a0e\u52a1\u8d1f\u62c5\uff0c\u751a\u81f3&#8230;<br \/><a class=\"read-more-button\" href=\"https:\/\/blog.jackjia.com\/?p=95196\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":95197,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[],"_links":{"self":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/95196"}],"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=95196"}],"version-history":[{"count":2,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/95196\/revisions"}],"predecessor-version":[{"id":95200,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/posts\/95196\/revisions\/95200"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=\/wp\/v2\/media\/95197"}],"wp:attachment":[{"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=95196"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=95196"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.jackjia.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=95196"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}