{"id":319267,"date":"2020-02-24T22:14:27","date_gmt":"2020-02-25T06:14:27","guid":{"rendered":"https:\/\/nai500.com\/?p=319267"},"modified":"2020-02-24T22:14:27","modified_gmt":"2020-02-25T06:14:27","slug":"%e5%8d%83%e7%a6%a7%e4%b8%80%e4%bb%a3%e7%90%86%e8%b4%a2-tfsa-%e7%99%be%e4%b8%87%e8%b4%a2%e5%af%8c","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hans\/blog\/2020\/02\/%e5%8d%83%e7%a6%a7%e4%b8%80%e4%bb%a3%e7%90%86%e8%b4%a2-tfsa-%e7%99%be%e4%b8%87%e8%b4%a2%e5%af%8c\/","title":{"rendered":"\u5343\u79a7\u4e00\u4ee3\u7406\u8d22\uff1a\u8d8a\u65e9\u6295\u8d44TFSA\uff0c\u8d8a\u65e9\u5b9e\u73b0\u767e\u4e07\u8d22\u5bcc\u68a6\u60f3"},"content":{"rendered":"

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\u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\uff08RRSP\uff09\u5b58\u6b3e\u65f6\u53ef\u9000\u7a0e\uff0c\u4f46\u53d6\u6b3e\u65f6\u653f\u5e9c\u8981\u5f81\u6536\u5927\u7ea630%\u81f340%\u7684\u7a0e\u6536\u3002\u76f8\u6bd4\u4e4b\u4e0b\uff0cTFSA\u7684\u6295\u8d44\u6536\u76ca\u548c\u53d6\u6b3e\u90fd\u514d\u7a0e\uff0c\u652f\u53d6\u7075\u6d3b\u6027\u66f4\u5927\uff0c\u53ef\u8bf4\u662f\u771f\u6b63\u610f\u4e49\u4e0a\u7684\u514d\u7a0e\u50a8\u84c4\u8d26\u6237\u3002\u5982\u679c\u4f60\u6bcf\u5e74\u90fd\u5411TFSA\u4f9b\u6b3e\uff0c\u6309\u71674.7%\u7684\u6536\u76ca\u7387\uff0c\u9000\u4f11\u540e\u4f60\u53ef\u4ee5\u6bcf\u5e74\u83b7\u5f97$55,000\u7684\u6536\u5165\uff0c\u800c\u4e14\u53ef\u4ee5\u8fde\u7eed\u62ff25\u5e74\uff01<\/p>\n

\u4e0d\u8fc7\u8981\u5b9e\u73b0\u8fd9\u4e00\u76ee\u6807\u7684\u5173\u952e\u662f\u5c3d\u65e9\u5f00\u59cb\u50a8\u84c4\u548c\u6295\u8d44\uff0c\u6700\u597d\u662f\u572818\u5c81\u8fbe\u5230TFSA\u4f9b\u6b3e\u7684\u6700\u4f4e\u5e74\u9f84\u65f6\u5c31\u5f00\u59cb\u3002\u6bcf\u5e741\u67081\u65e5\u5411TFSA\u4f9b\u6b3e$6,000\uff08\u4f9b\u6b3e\u4e0a\u9650\uff0c\u6839\u636e\u901a\u80c0\u7387\u8fdb\u884c\u8c03\u6574\uff09\uff0c\u6301\u7eed47\u5e74\uff0c\u4e5f\u5c31\u662f\u5230\u4f6065\u5c81\u7684\u65f6\u5019\uff0c\u4f60\u7684\u603b\u4f9b\u6b3e\u989d\u4e3a$282,000\u3002<\/p>\n

\u4e0d\u8fc7\uff0c\u8fd9\u53ea\u662f\u4f60\u7684\u672c\u91d1\u3002\u901a\u8fc7\u5408\u7406\u6295\u8d44\u80a1\u7968\u3001\u503a\u5238\u4ee5\u53caETFs\uff0c\u4f60\u7684\u5e73\u8861\u578b\u6295\u8d44\u7ec4\u5408\u53ef\u4ee5\u5b9e\u73b0$100\u4e07\u7684\u6295\u8d44\u76ee\u6807\u3002\u6309\u7167TriDelta Financial Partners\u7684\u526f\u603b\u88c1\u548c\u8d22\u5bcc\u987e\u95eeMatthew Ardrey\u7684\u4f30\u7b97\uff0c\u5982\u679c\u5e74\u6536\u76ca\u7387\u662f5%\uff0c\u5b9e\u73b0\u8fd9\u4e00\u76ee\u6807\u9700\u898145\u5e74\uff0c\u5982\u679c\u662f6%\u7684\u6536\u76ca\u7387\uff0c\u9700\u898137\u5e74\uff0c\u5982\u679c\u662f8%\u5c06\u53ea\u970034\u5e74\u3002\u5982\u679c\u4e00\u4e2a\u6295\u8d44\u8005\u5177\u5907\u8db3\u591f\u7684\u98ce\u9669\u627f\u53d7\u80fd\u529b\uff0c\u80fd\u591f\u8de8\u8d8a\u6240\u6709\u725b\u5e02\u548c\u718a\u5e02\u575a\u6301\u4e00\u4e2a\u7684\u6295\u8d44\u8ba1\u5212\uff0c\u957f\u671f8%\u7684\u5e74\u6536\u76ca\u7387\u5176\u5b9e\u8fd8\u662f\u80fd\u591f\u5b9e\u73b0\u7684\u3002<\/p>\n

\"\"<\/p>\n

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\u6709\u8bc1\u636e\u663e\u793a\uff0c\u5927\u591a\u6570\u52a0\u62ff\u5927\u4eba\u90fd\u80fd\u5411TFSA\u4f9b\u6b3e\uff0c\u5373\u4f7f\u4ee3\u4ef7\u662fRRSP\u4f9b\u6b3e\u7684\u51cf\u5c11\u3002\u8499\u7279\u5229\u5c14\u94f6\u884c\uff08BMO\uff09\u6700\u65b0\u7684TFSA\u8c03\u67e5\u663e\u793a\uff0c66%\u7684\u52a0\u62ff\u5927\u4eba\u62e5\u6709TFSA\u8d26\u6237\uff0c\u5e73\u5747\u4f9b\u6b3e\u989d\u4ece2018\u5e74\u7684$4,826\u5347\u81f3$5,332\u3002\u5e73\u5747\u4f59\u989d\u4ece$27,053\u5347\u81f3$28,214\u3002<\/p>\n

Doherty & Bryant Financial Strategists\u7684\u8d22\u52a1\u89c4\u5212\u5e08Aaron Hector\u8868\u793a\uff0c\u5343\u79a7\u4e00\u4ee3\u53ef\u4ee5\u63d0\u524d\u5f00\u59cb\u5b58\u6b3e\uff0c\u7b49\u5f8518\u5c81\u65f6\u4e00\u6b21\u6027\u5168\u989d\u4f9b\u6b3e$6,000\uff0c\u800c\u4e0d\u662f\u6bcf\u6708\u5b58\u5165$500\uff0c\u8fd9\u6837\u53ef\u4ee5\u66f4\u65e9\u4eab\u53d7\u5230\u590d\u5229\u3002TFSA\u7684\u4f9b\u6b3e\u4e0a\u9650\u6839\u636e\u901a\u80c0\u7387\u63d0\u9ad8\u4e86$500\uff0c\u56e0\u6b64Hector\u4f30\u8ba1\uff0c\u6309\u71672%\u7684\u901a\u80c0\u7387\uff0c\u6211\u4eec\u53ef\u4ee5\u9884\u671f\u4f9b\u6b3e\u4e0a\u9650\u6bcf4\u5e74\u53ef\u80fd\u4f1a\u8c03\u53471\u6b21\uff0c\u968f\u7740\u4f9b\u6b3e\u989d\u7684\u4e0d\u65ad\u589e\u957f\uff0c\u4e0a\u8c03\u65f6\u95f4\u5468\u671f\u6216\u5c06\u7f29\u77ed\u81f32\u52303\u5e74\u3002\u6309\u7167\u8fd9\u4e00\u9884\u6d4b\uff0c\u7b49\u5230\u73b0\u572818\u5c81\u7684\u5e74\u8f7b\u4eba\u5230\u4e8665\u5c81\uff0c\u6bcf\u5e74\u7684\u4f9b\u6b3e\u989d\u5c06\u9ad8\u8fbe$15,500\u3002<\/p>\n

\u867d\u7136\u6211\u4eec\u5efa\u8bae\u6295\u8d44\u8005\u6301\u6709RESP\u3001RRSP\u548cTFSA\u7684\u6218\u7565\u7ec4\u5408\uff0c\u4f46\u5355\u7eaf\u5c31$100\u4e07\u7684\u8d44\u4ea7\u589e\u503c\u7ade\u8d5b\u800c\u8a00\uff0cTFSA\u53ef\u80fd\u662f\u6700\u5feb\u6700\u65b9\u4fbf\u7684\u4e00\u6761\u8d5b\u9053\u3002\u4e0d\u8fc7\u4ed6\u4e5f\u8b66\u544a\u79f0\uff0c\u653f\u5e9c\u7684\u653f\u7b56\u5b58\u5728\u7740\u4e0d\u786e\u5b9a\u6027\uff0c\u6bd4\u5982\u4e4b\u524d\u7684\u54c8\u73c0\u653f\u5e9c\u5c06TFSA\u7684\u5b58\u6b3e\u4e0a\u9650\u63d0\u9ad8\u81f3$10,000\uff0c\u4f46\u7279\u9c81\u591a\u4e0a\u4efb\u540e\u53c8\u5c06\u8fd9\u4e00\u4e0a\u9650\u4e0b\u8c03\u81f3$5,500\u3002<\/p>\n

\u6b64\u5916\uff0c\u503a\u52a1\u7684\u507f\u8fd8\u5e94\u4f18\u5148\u4e8e\u5411TFSA\u4f9b\u6b3e\u3002\u8d44\u6df1\u8d22\u52a1\u987e\u95ee\u8868\u793a\uff0c\u6309\u7167GIC\u6295\u8d443%\u7684\u6536\u76ca\u7387\uff0cTFSA\u8d26\u6237$6,000\u7684\u8d44\u91d11\u5e74\u4e0b\u6765\u53ea\u80fd\u4e3a\u4f60\u8282\u7701$72\u7684\u7a0e\u6536\uff0c\u4f46\u5982\u679c\u4fe1\u7528\u5361\u903e\u671f$6,000\uff0829%\u7684\u5229\u7387\uff09\uff0c\u903e\u671f\u5229\u606f\u5c06\u9ad8\u8fbe$1,740\u3002\u56e0\u6b64\uff0c\u521a\u521a\u6bd5\u4e1a\u7684\u5b66\u751f\u5e94\u8be5\u9996\u5148\u507f\u8fd8\u5b66\u751f\u8d37\u6b3e\u548c\u4fe1\u7528\u5361\u503a\u52a1\u3002<\/p>\n

\u8499\u7279\u5229\u5c14\u94f6\u884c\u8d22\u5bcc\u7ba1\u7406\u7684\u533a\u57df\u603b\u88c1Sylvain Brisebois\u5236\u4f5c\u4e86\u4e00\u5f20\u8868\uff0c\u4f30\u7b97\u4e86\u4f9b\u6b3e\u91d1\u989d\u548c\u5e74\u6570\u5982\u4f55\u5f71\u54cdTFSA\u8d26\u6237\u7684\u6700\u7ec8\u4f59\u989d\u3002\u5982\u679c25\u5c81\u5f00\u59cb\u4f9b\u6b3e\uff0c\u6309\u7167\u6bcf\u5e746%\u7684\u6536\u76ca\u7387\uff0c\u523065\u5c81\u65f6\u8d26\u6237\u4f59\u989d\u4e3a$1,049,000\u3002\u4f46\u662f\uff0c\u5982\u679c18\u5c81\u5c31\u5f00\u59cb\u4f9b\u6b3e\uff0c7\u5e74\u591a\u5b58$42,000\uff0c\u4f46\u4f59\u989d\u5374\u8981\u9ad8\u51fa$600,000\uff0c\u8fbe\u5230$163\u4e07\u3002\u53e6\u4e00\u4e2a\u60c5\u5f62\u662f\u4f9b\u6b3e7\u5e74\uff0818\u5c81\u81f325\u5c81\uff09\uff0c\u7136\u540e\u62ff\u8fd9\u7b14\u672c\u91d1\u548c\u6536\u76ca\u8d2d\u623f\uff0c\u63a5\u4e0b\u676510\u5e74\u65ad\u4f9b\uff0c36\u5c81\u7eed\u4f9b\uff0c\u523065\u5c81\u65f6\u8d26\u6237\u4f59\u989d\u4e3a$829,000\u3002\u6b64\u5916\uff0c\u5982\u679c\u6bcf\u5e74\u53ea\u4f9b\u6b3e$3,000\uff0c\u6700\u540e\u7684\u4f59\u989d\u4e3a$815,000\u3002<\/p>\n

Lycos Asset Management\u7684\u6295\u8d44\u7ec4\u5408\u7ecf\u7406Adrian Mastracci\u8868\u793a\uff0c\u5f88\u591a\u6295\u8d44\u800530\u5c81\u5f00\u59cb\u50a8\u84c4\uff0c\u5982\u679c\u9884\u671f\u5bff\u547d\u662f85\u5c81\uff0cTFSA\u8d26\u6237\u4e2d\u80a1\u7968\u7684\u5360\u6bd4\u4ecd\u7136\u53ef\u4ee5\u8fbe\u523080%\u751a\u81f3\u66f4\u9ad8\u3002\u5230\u4e8660\u5c81\uff0c\u4ed6\u5efa\u8bae\u5c06\u6240\u6709\u6295\u8d44\u5de5\u5177\uff08\u4e0d\u4ec5\u4ec5\u662fTFSA\uff09\u7684\u8d44\u4ea7\u914d\u6bd4\u66f4\u52a0\u5747\u8861\u5316\uff1a50%\u7684\u80a1\u7968\u52a050%\u7684\u56fa\u5b9a\u6536\u76ca\u8d44\u4ea7\u3002\u4e0d\u8fc7\uff0c\u5982\u679c\u81f3\u5c111\u540d\u914d\u5076\u7684\u6295\u8d44\u671f\u957f\u81f395\u5c81\uff0c\u80a1\u7968\u7684\u5360\u6bd4\u53ef\u572850%\u81f380%\u4e4b\u95f4\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

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