不少人發(fā)現(xiàn)自己RRSP的投資收益非常不錯(cuò)饺汹，一些相關(guān)規(guī)則每個(gè)人都需要了解肴裙。
1玩般，退休前從RRSP取錢時(shí)不計(jì)稅的只有兩個(gè)計(jì)劃银觅！首次購房者計(jì)劃和終身學(xué)習(xí)計(jì)劃（first-time homebuyers’ plan and lifelong learning plan）。提款用于這兩項(xiàng)計(jì)劃坏为，取出來的錢將不計(jì)入收入究驴，沒有稅務(wù)問題。但是你必須按規(guī)定在一段時(shí)間內(nèi)償還這筆錢匀伏。
You’re young – retirement planning may seem far-off. But being young is a benefit when planning for the future.
A registered retirement savings plan (RRSP) offers the benefits of compound interest and tax-deferred saving.
If you start contributing to an RRSP now, before the?March 1?deadline,?? you could save much more than if you start saving five years from now. There are several saving strategies we can look at together. No matter what your age, the best time to start saving is today.
2洒忧，對于沒有公司養(yǎng)老金的人來說，你的最高RRSP額度是上一年收入的 18%够颠，2017年的上限為$26,010熙侍，如果你有往年沒有使用完的額度，也能補(bǔ)繳。
You know it’s important to save regularly to achieve your financial goals, but it can be hard with other priorities.
What if you could speed up your current savings strategy? A pre-authorized contribution to your RRSP can make saving easier.
Pre-authorized chequing (PAC) contributions can help you reach your financial goals by helping you contribute regularly, automatically and directly from your bank account. And if you increase the frequency of your RRSP contributions before the?March 1?deadline, you could save much more.
3蛉抓，如果你的公司給你配比了RRSP庆尘，那么你能自己交的額度就少了很多，很多公司的待遇非常好巷送，不僅工資高驶忌，養(yǎng)老金計(jì)劃也非常棒，所以對于這樣的人群笑跛，RRSP的延稅顯然明顯不夠付魔。
As the?March 1?RRSP deadline approaches, it’s the right time to check if you’re on track to meet your retirement goals.
Catching up on RRSP contributions make sense.?
I can help you make up for lost time with a RRSP catch-up loan. It could help you use your unused contribution room and provide you with an income tax deduction*. This could give you a tax refund (depending on your personal income tax situation) that can help pay down the RRSP loan.
Contact me today to set up a meeting at 705-808-3688.
不少人發(fā)現(xiàn)自己RRSP的投資收益非常不錯(cuò)，一些相關(guān)規(guī)則每個(gè)人都需要了解飞蹂。
1几苍，退休前從RRSP取錢時(shí)不計(jì)稅的只有兩個(gè)計(jì)劃！首次購房者計(jì)劃和終身學(xué)習(xí)計(jì)劃（first-time homebuyers’ plan and lifelong learning plan）陈哑。提款用于這兩項(xiàng)計(jì)劃妻坝，取出來的錢將不計(jì)入收入，沒有稅務(wù)問題惊窖。但是你必須按規(guī)定在一段時(shí)間內(nèi)償還這筆錢惠勒。
You’re young – retirement planning may seem far-off. But being young is a benefit when planning for the future.
A registered retirement? ? savings plan (RRSP) offers the benefits of compound interest and? ? tax-deferred saving.
If? ? you start contributing to an RRSP now, before theMarch 1deadline,? ? you could save much more than if you start saving five years from now.? ? There are several saving strategies we can look at together. No matter what? ? your age, the best time to start saving is today.
Let’s build a savings plan together.
Contact me today to set up a meeting.
2，對于沒有公司養(yǎng)老金的人來說爬坑，你的最高RRSP額度是上一年收入的 18%纠屋，2017年的上限為$26,010，如果你有往年沒有使用完的額度盾计，也能補(bǔ)繳售担。
Insert photo 2,
3，如果你的公司給你配比了RRSP署辉，那么你能自己交的額度就少了很多族铆，很多公司的待遇非常好，不僅工資高哭尝，養(yǎng)老金計(jì)劃也非常棒哥攘，所以對于這樣的人群，RRSP的延稅顯然明顯不夠材鹦。
Insert photo 3,
4逝淹，不管怎么樣，你都要注意自己放了多少錢在RRSP中桶唐，不要超額栅葡！加拿大人在其一生中可以超放$2000，超出這一數(shù)額的多交部分則會按每月1％罰款尤泽。一定要小心欣簇，否則來年收到稅單规脸，原本延稅的工具反而給自己帶來了巨大的稅務(wù)負(fù)擔(dān)。
