{"id":344602,"date":"2020-08-06T16:46:33","date_gmt":"2020-08-06T23:46:33","guid":{"rendered":"https:\/\/nai500.com\/?p=344602"},"modified":"2020-08-06T16:46:33","modified_gmt":"2020-08-06T23:46:33","slug":"rrsp-%e5%8f%96%e6%ac%be-%e5%90%88%e6%b3%95%e9%81%bf%e7%a8%8e","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hans\/blog\/2020\/08\/rrsp-%e5%8f%96%e6%ac%be-%e5%90%88%e6%b3%95%e9%81%bf%e7%a8%8e\/","title":{"rendered":"\u5982\u4f55\u4eceRRSP\u8d26\u6237\u4e2d\u53d6\u6b3e\uff0c\u624d\u80fd\u5408\u6cd5\u907f\u7a0e\uff1f"},"content":{"rendered":"

\u8d81\u7740\u5e74\u8f7b\u50a8\u84c4\uff0c\u9000\u4f11\u540e\u5b89\u4eab\u665a\u5e74\uff0c\u8fd9\u662f\u6211\u4eec\u6bcf\u4e00\u4e2a\u4eba\u90fd\u5e0c\u671b\u5b9e\u73b0\u7684\u4eba\u751f\u76ee\u6807\u3002\u4e0d\u8fc7\uff0c\u4e16\u4e8b\u96be\u6599\uff0c\u4f60\u53ef\u80fd\u4f1a\u906d\u9047\u7a81\u53d1\u72b6\u51b5\u6025\u9700\u7528\u94b1\uff0c\u6216\u8005\u662f\u957f\u65f6\u95f4\u627e\u4e0d\u5230\u5de5\u4f5c\uff0c\u8fd9\u65f6\u5019\u53ef\u80fd\u5c31\u8981\u88ab\u8feb\u4ece\u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\uff08RRSP\uff09\u8d26\u6237\u4e2d\u63d0\u524d\u53d6\u6b3e\u3002\u4e0d\u8fc7\uff0c\u63d0\u524d\u53d6\u6b3e\u610f\u5473\u7740\u4f60\u5c06\u4e27\u5931\u8be5\u8ba1\u5212\u6240\u6709\u7684\u597d\u5904\uff0c\u627f\u53d7\u6b64\u524d\u89c4\u907f\u6389\u7684\u7a0e\u6536\u8d1f\u62c5\u3002<\/p>\n

\u90a3\u4e48\uff0c\u5f53\u6211\u4eec\u9700\u8981\u63d0\u524d\u4eceRRSP\u8d26\u6237\u4e2d\u53d6\u6b3e\u65f6\uff0c\u5982\u4f55\u64cd\u4f5c\u624d\u80fd\u5c3d\u53ef\u80fd\u5730\u89c4\u907f\u7a0e\u6536\uff1f<\/p>\n

\u5bf9\u4e8e\u90a3\u4e9b\u5bf9\u9ec4\u91d1\u548c\u77ff\u4e1a\u6295\u8d44\u71c3\u8d77\u5174\u8da3\u7684\u6295\u8d44\u8005\uff0c\u9ec4\u91d1\u80a1\u7684\u725b\u5e02\u884c\u60c5\u624d\u521a\u521a\u8d77\u6b65\uff0c\u8be5\u5982\u4f55\u4e3a\u6295\u8d44\u83b7\u5229\u505a\u597d\u51c6\u5907\uff1f\u4e86\u89e3\u66f4\u591a\u6295\u8d44\u6280\u5de7\uff0c\u73b0\u5728\u5c31\u6765NAI500\u5546\u5e97\u514d\u8d39\u4e0b\u8f7d\u300a\u77ff\u4e1a\u6295\u8d44\u6307\u53572020: \u6295\u8d44\u83b7\u5229\u7684\u827a\u672f\u8d70\u8fdb\u9ec4\u91d1\u4e0e\u77ff\u4e1a\u6295\u8d44\u300b\u7535\u5b50\u4e66\uff01\u673a\u4f1a\u53ea\u4f1a\u9752\u7750\u6709\u51c6\u5907\u7684\u4eba\u3002<\/a><\/p>\n

RRSP\u5982\u4f55\u8fd0\u4f5c\uff1f<\/h2>\n

\u4f60\u653e\u8fdbRRSP\u8d26\u6237\u91cc\u7684\u94b1\u5c5e\u4e8e\u7a0e\u6536\u9012\u5ef6\u6536\u5165\uff0c\u5e76\u76f8\u5e94\u51cf\u5c11\u4f60\u5f53\u5e74\u7684\u6536\u5165\u3002RRSP\u8d26\u6237\u4e2d\u6295\u8d44\u4ea7\u751f\u7684\u4efb\u4f55\u6536\u76ca\u4e5f\u514d\u7a0e\uff0c\u53ea\u6709\u5728\u53d6\u6b3e\u65f6\u624d\u9700\u8981\u7f34\u7a0e\u3002\u56e0\u6b64\uff0c\u60f3\u8981\u5145\u5206\u53d1\u6325RRSP\u7684\u4f18\u52bf\uff0c\u5c31\u5e94\u8be5\u5728\u6536\u5165\u9ad8\uff0c\u7a0e\u7387\u9ad8\u7684\u65f6\u5019\u5411RRSP\u4f9b\u6b3e\uff0c\u7b49\u5230\u6536\u5165\u4f4e\uff0c\u6bd4\u5982\u8bf4\u9000\u4f11\u540e\u518d\u53d6\u6b3e\uff0c\u8fd9\u6837\u5c31\u80fd\u7701\u4e0b\u4e00\u5927\u7b14\u7684\u7a0e\u6b3e\u3002<\/p>\n

\u4e0d\u8fc7\uff0cRRSP\u7684\u4f9b\u6b3e\u4e5f\u662f\u6709\u9650\u5236\u7684\uff1a\u6bcf\u5e74\u4f9b\u6b3e\u91d1\u989d\u4e0d\u5f97\u8d85\u8fc7\u7a0e\u524d\u6536\u5165\u768418%\u5e76\u8bbe\u6709\u4e0a\u9650\uff082020\u5e74\u662f$27,230\uff09\u3002\u672a\u88ab\u4f7f\u7528\u7684\u4f9b\u6b3e\u989d\u5ea6\u53ef\u4ee5\u8f6c\u5165\u4e0b\u4e00\u5e74\uff0c\u589e\u52a0\u4f60\u4e0b\u4e00\u5e74\u7684\u4f9b\u6b3e\u989d\u3002<\/p>\n

\u9000\u4f11\u540e\u4eceRRSP\u8d26\u6237\u4e2d\u53d6\u6b3e<\/h2>\n

\u8fd9\u662f\u8fd9\u5957\u5236\u5ea6\u7684\u76ee\u7684\u6240\u5728\u3002\u4f60\u53ef\u4ee5\u968f\u65f6\u51b3\u5b9a\u9000\u4f11\uff0c\u7136\u540e\u505c\u6b62\u4f9b\u6b3e\u5e76\u5f00\u59cb\u53d6\u6b3e\u3002\u4e0d\u8fc7\uff0c\u4f60\u6700\u665a\u5fc5\u987b\u572871\u5c81\u4e4b\u524d\u5b8c\u6210\u4f9b\u6b3e\u548c\u53d6\u6b3e\u7684\u8fd9\u4e00\u8f6c\u6362\u3002\u4e0d\u8fc7\uff0c\u5f00\u59cb\u53d6\u6b3e\u540e\u4f60\u53ef\u4ee5\u67093\u79cd\u9009\u62e9\uff1a<\/p>\n

    \n
  • \u4e00\u6b21\u6027\u5168\u90e8\u53d6\u51fa\uff0c\u4f46\u8fd9\u4f1a\u589e\u52a0\u4f60\u7684\u7a0e\u91d1\u3002\u53d6\u6b3e\u65f6\u4f1a\u88ab\u7acb\u5373\u5f81\u6536\u201c\u9884\u6263\u7a0e\u201d\uff0c\u540c\u65f6\u62a5\u7a0e\u65f6\u8fd9\u7b14\u53d6\u6b3e\u5c06\u88ab\u89c6\u4e3a\u4e2a\u4eba\u6536\u5165\uff0c\u5927\u5927\u589e\u957f\u4f60\u7684\u4e2a\u4eba\u6240\u5f97\u7a0e\u3002<\/li>\n
  • \u8d2d\u4e70\u5e74\u91d1\u3002\u8ddf\u517b\u8001\u91d1\u7c7b\u4f3c\uff0c\u5e74\u91d1\u5c06\u5728\u5f88\u957f\u4e00\u6bb5\u65f6\u95f4\u91cc\u4e3a\u9000\u4f11\u4eba\u5458\u63d0\u4f9b\u7a33\u5b9a\u7684\u6536\u5165\u3002\u5e74\u91d1\u53ef\u4ee5\u662f\u56fa\u5b9a\u671f\u9650\uff0c\u4e5f\u53ef\u4ee5\u662f\u7ec8\u8eab\u5236\u3002<\/li>\n
  • \u8f6c\u6362\u4e3a\u6ce8\u518c\u9000\u4f11\u6536\u5165\u57fa\u91d1\uff08RRIF\uff09\u3002RRIF\u8ddfRRSP\u975e\u5e38\u76f8\u50cf\uff0c\u4f46\u53ea\u51fa\u4e0d\u8fdb\u3002\u6b64\u5916\uff0cRRIF\u8fd8\u89c4\u5b9a\u4e86\u6700\u4f4e\u53d6\u6b3e\u989d\uff0c\u4f46\u8d85\u51fa\u90e8\u5206\u8981\u7f34\u9884\u6263\u7a0e\u3002<\/li>\n<\/ul>\n

    \u9000\u4f11\u540e\u6700\u5927\u7a0b\u5ea6\u51cf\u5c11\u7a0e\u6536\u7684\u6700\u4f73\u65b9\u5f0f\u662f\u5229\u7528\u5e74\u91d1\u6216RRIF\u6162\u6162\u53d6\u6b3e\uff0c\u8fd9\u6837\u5c31\u80fd\u907f\u514d\u81ea\u5df1\u7684\u6536\u5165\u9661\u7136\u589e\u9ad8\u800c\u8fdb\u5165\u66f4\u9ad8\u7684\u7a0e\u9636\u3002<\/p>\n

    \u9000\u4f11\u524d\u4eceRRSP\u8d26\u6237\u4e2d\u53d6\u6b3e<\/h2>\n

    \u5982\u679c\u906d\u9047\u7a81\u53d1\u4e8b\u4ef6\uff0c\u6025\u9700\u7528\u94b1\uff0c\u4f60\u4e5f\u53ef\u4ee5\u968f\u65f6\u4eceRRSP\u8d26\u6237\u4e2d\u53d6\u6b3e\uff0c\u4f46\u8fd9\u4f1a\u4ea7\u751f\u76f8\u5e94\u7684\u6210\u672c\u3002<\/p>\n

      \n
    • \u4f60\u5c06\u88ab\u5f81\u7a0e\u3002\u8fd9\u7b14\u53d6\u6b3e\u5c06\u8ba1\u5165\u4f60\u7684\u5e74\u6536\u5165\uff0c\u5982\u679c\u4f60\u73b0\u5728\u6536\u5165\u5f88\u9ad8\uff0c\u7a0e\u7387\u548c\u7a0e\u91d1\u4e5f\u4f1a\u5f88\u9ad8\u3002<\/li>\n
    • \u4f60\u5c06\u4e27\u5931\u590d\u5229\u3002\u5728\u8d26\u6237\u4e2d\u505c\u7559\u7684\u65f6\u95f4\u8d8a\u4e45\uff0c\u8fd9\u7b14\u8d44\u91d1\u5728\u5b89\u5168\u4e14\u514d\u7a0e\u7684\u73af\u5883\u4e0b\u589e\u503c\u7684\u65f6\u95f4\u4e5f\u8d8a\u4e45\u3002<\/li>\n
    • \u4f60\u5c06\u4e27\u5931\u4f9b\u6b3e\u989d\u3002RRSP\u7684\u4f9b\u6b3e\u989d\u5ea6\u65e0\u6cd5\u6062\u590d\uff0c\u5f53\u4f60\u4ece\u8be5\u8d26\u6237\u63d0\u53d6\u6b3e\u9879\u65f6\uff0c\u4f9b\u6b3e\u989d\u5e76\u4e0d\u4f1a\u56e0\u6b64\u6062\u590d\u3002<\/li>\n
    • \u4e8c\u6b21\u5f81\u7a0e\u3002\u9664\u4e86\u5728\u62a5\u7a0e\u65f6\u589e\u52a0\u4f60\u7684\u6536\u5165\uff0c\u652f\u4ed8\u66f4\u591a\u7684\u7a0e\u6b3e\uff0cRRSP\u53d6\u6b3e\u8fd8\u4f1a\u88ab\u7acb\u5373\u5f81\u6536\u201c\u9884\u6263\u7a0e\u201d\u3002<\/li>\n<\/ul>\n

      \u4ec0\u4e48\u662f\u9884\u6263\u7a0e\uff1f<\/h2>\n

      \u5f53\u4f60\u5728\u9000\u4f11\u524d\u4eceRRSP\u8d26\u6237\u4e2d\u53d6\u6b3e\u65f6\uff0c\u4f60\u7684\u91d1\u878d\u673a\u6784\u4f1a\u76f4\u63a5\u201c\u9884\u6263\u201d\u4e00\u5b9a\u6bd4\u4f8b\u7684\u8d44\u91d1\u7528\u4e8e\u7f34\u7eb3\u4e2a\u4eba\u6240\u5f97\u7a0e\uff0c\u5e76\u4e14\u8fd9\u7b14\u8d44\u91d1\u4f1a\u76f4\u63a5\u4e0a\u4ea4\u7ed9\u653f\u5e9c\u3002\u8fd9\u5c31\u8ddf\u96c7\u4e3b\u9884\u7f34\u4e2a\u4eba\u6240\u5f97\u7a0e\u662f\u4e00\u4e2a\u9053\u7406\u3002<\/p>\n

      \u9884\u6263\u7a0e\u7387\u4f9d\u636e\u7701\u4efd\u548c\u53d6\u6b3e\u91d1\u989d\u7684\u4e0d\u540c\u800c\u53d8\u5316\u3002\u5bf9\u4e8e\u5927\u591a\u6570\u52a0\u62ff\u5927\u5c45\u6c11\u6765\u8bf4\uff0c\u9884\u6263\u7a0e\u7387\u662f\uff1a<\/p>\n

        \n
      • \u4e0d\u9ad8\u4e8e$5,000\uff0c10%<\/li>\n
      • $5,001-$15,000\uff0c20%<\/li>\n
      • \u9ad8\u4e8e$15,000\uff0c30%<\/li>\n<\/ul>\n

        \u9b41\u5317\u514b\u7701\u7684\u7a0e\u7387\u8f83\u4f4e\u4f46\u9700\u8981\u7f34\u7eb3\u7701\u7ea7\u9500\u552e\u7a0e\u3002<\/p>\n

          \n
        • \u4e0d\u9ad8\u4e8e$5,000\uff0c5%<\/li>\n
        • $5,001-$15,000\uff0c10%<\/li>\n
        • \u9ad8\u4e8e$15,000\uff0c15%<\/li>\n<\/ul>\n

          \u975e\u52a0\u62ff\u5927\u5c45\u6c11\u4e00\u5f8b\u7f34\u7eb325%\u7684\u9884\u6263\u7a0e\u3002<\/p>\n

          \u9664\u4e86\u9884\u6263\u7a0e\uff0c\u8fd9\u7b14\u53d6\u6b3e\u8fd8\u5c06\u88ab\u89c6\u4e3a\u4f60\u5f53\u5e74\u7684\u6536\u5165\uff0c\u62a5\u7a0e\u65f6\u8fd8\u8981\u518d\u7f34\u4e00\u6b21\u4e2a\u4eba\u6240\u5f97\u7a0e\u3002\u60f3\u8981\u5177\u4f53\u4e86\u89e3RRSP\u53d6\u6b3e\u5bf9\u4e8e\u4e2a\u4eba\u6240\u5f97\u7a0e\u7684\u5f71\u54cd\uff0c\u6211\u4eec\u5148\u6765\u4e86\u89e3\u4e00\u4e0b\u52a0\u62ff\u59272020\u5e74\u7684\u8054\u90a6\u6240\u5f97\u7a0e\u653f\u7b56\u3002<\/p>\n

            \n
          • \u5e94\u7eb3\u7a0e\u6240\u5f97\u989d\u4e0d\u9ad8\u4e8e$48,535\u7684\u90e8\u5206\uff0c\u9002\u7528\u7a0e\u738715%<\/li>\n
          • $48,535-$97,069\uff0c\u9002\u7528\u7a0e\u73875%<\/li>\n
          • $97,069-$150,472\uff0c\u9002\u7528\u7a0e\u738726%<\/li>\n
          • $150,473-$214,368\uff0c\u9002\u7528\u7a0e\u738729%<\/li>\n
          • \u9ad8\u4e8e$214,368\uff0c\u9002\u7528\u7a0e\u738733%<\/li>\n<\/ul>\n

            \u7701\u7ea7\u6240\u5f97\u7a0e\u653f\u7b56\u5404\u4e0d\u76f8\u540c\uff0c\u5177\u4f53\u53ef\u4ee5\u67e5\u9605\u52a0\u62ff\u5927\u7a0e\u52a1\u5c40\u5b98\u7f51\u3002<\/p>\n

            \u5982\u4f55\u907f\u7a0e\uff1f<\/h2>\n

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            \u9996\u6b21\u8d2d\u623f\u8005\u53ef\u5229\u7528\u8054\u90a6\u8d2d\u623f\u8005\u8ba1\u5212\uff0c\u4eceRRSP\u8d26\u6237\u4e2d\u63d0\u53d6\u4e0d\u8d85\u8fc7$35,000\uff08\u592b\u5987\u53ef\u63d0\u53d6$70,000\uff09\u7684\u8d44\u91d1\u7528\u4e8e\u652f\u4ed8\u9996\u4ed8\uff0c\u8fd9\u7b14\u94b1\u4e0d\u4f1a\u589e\u52a0\u4f60\u7684\u6536\u5165\uff0c\u4e5f\u4e0d\u4f1a\u88ab\u5f81\u6536\u9884\u6263\u7a0e\u3002RRSP\u7684\u8fd9\u7b14\u6b3e\u9879\u4e24\u5e74\u540e\u5f00\u59cb\u507f\u8fd8\uff0c\u507f\u8fd8\u671f\u9650\u4e3a15\u5e74\u3002\u5982\u679c\u903e\u671f\u672a\u8fd8\uff0c\u5bf9\u5e94\u7684\u6b3e\u9879\u5c06\u88ab\u89c6\u4e3a\u6536\u5165\u5e76\u5f81\u7a0e\u3002<\/p>\n

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