{"id":360659,"date":"2020-12-07T00:32:45","date_gmt":"2020-12-07T08:32:45","guid":{"rendered":"https:\/\/nai500.com\/blog\/2020\/12\/nai500-special-report-retirement-in-canada\/"},"modified":"2021-05-05T12:28:41","modified_gmt":"2021-05-05T19:28:41","slug":"nai500%e7%89%b9%e5%88%ab%e6%8a%a5%e9%81%93%ef%bc%9a%e5%a6%82%e4%bd%95%e8%bf%9b%e8%a1%8c%e5%8a%a0%e6%8b%bf%e5%a4%a7%e9%80%80%e4%bc%91%e8%a7%84%e5%88%92%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hans\/blog\/2020\/12\/nai500%e7%89%b9%e5%88%ab%e6%8a%a5%e9%81%93%ef%bc%9a%e5%a6%82%e4%bd%95%e8%bf%9b%e8%a1%8c%e5%8a%a0%e6%8b%bf%e5%a4%a7%e9%80%80%e4%bc%91%e8%a7%84%e5%88%92%ef%bc%9f\/","title":{"rendered":"NAI500\u7279\u522b\u62a5\u9053\uff1a\u5982\u4f55\u8fdb\u884c\u52a0\u62ff\u5927\u9000\u4f11\u89c4\u5212\uff1f"},"content":{"rendered":"

\u5728\u52a0\u62ff\u5927\uff0c\u4f60\u4f1a\u6709\u9000\u4f11\u7684\u538b\u529b\u5417\uff1f\u5982\u679c\u6709\u7684\u8bdd\uff0c\u4f60\u5e76\u4e0d\u5b64\u5355\u3002\u5f88\u591a\u52a0\u62ff\u5927\u4eba\u90fd\u4f1a\u56e0\u4e3a\u9000\u4f11\u7684\u95ee\u9898\u800c\u611f\u5230\u7126\u8651\uff0c\u539f\u56e0\u4e3b\u8981\u6709\u4ee5\u4e0b\u4e09\u4e2a\u65b9\u9762\u3002<\/p>\n

1. \u4ece\u672a\u8003\u8651\u8fc7\u9000\u4f11\u89c4\u5212<\/h2>\n

30\u5e74\u524d\uff0c\u5f53\u786e\u5b9a\u7ed9\u4ed8\u517b\u8001\u5236\u5ea6\u8fd8\u5f88\u666e\u53ca\u7684\u65f6\u5019\uff0c\u52a0\u62ff\u5927\u4eba\u5e76\u4e0d\u9700\u8981\u4e3a\u81ea\u5df1\u7684\u9000\u4f11\u505a\u5927\u591a\u7684\u6253\u7b97\u3002\u5728\u8fd9\u4e00\u5236\u5ea6\u4e0b\uff0c\u517b\u8001\u7684\u8d23\u4efb\u843d\u5728\u4e86\u96c7\u4e3b\u548c\u653f\u5e9c\u7684\u8eab\u4e0a\uff0c\u800c\u4e14\u591a\u6570\u4eba\u90fd\u5728\u8fd9\u4e00\u5236\u5ea6\u7684\u8986\u76d6\u4e4b\u4e0b\u3002\u7136\u800c\uff0c\u5230\u4e862011\u5e74\uff0c\u786e\u5b9a\u7ed9\u4ed8\u517b\u8001\u7684\u8986\u76d6\u7387\u4ec5\u670918%\u3002<\/p>\n

2. \u6ca1\u6709\u6e05\u6670\u7684\u8d22\u52a1\u7b56\u7565<\/h2>\n

\u5f88\u591a\u4eba\u56e0\u4e3a\u4e0d\u77e5\u9053\u5982\u4f55\u5236\u5b9a\u9000\u4f11\u89c4\u5212\uff0c\u56e0\u6b64\u5c31\u62b1\u7740\u4e00\u79cd\u8239\u5230\u6865\u5934\u81ea\u7136\u76f4\u7684\u6001\u5ea6\uff0c\u671f\u5f85\u81ea\u5df1\u4e34\u9000\u4f11\u65f6\u53ef\u4ee5\u62e5\u6709\u8db3\u591f\u7684\u94b1\u3002\u4e0d\u5e78\u7684\u662f\uff0c\u8fd9\u4e00\u7b56\u7565\u662f\u76f8\u5f53\u5371\u9669\u7684\u3002\u5927\u7ea6\u4e09\u5206\u4e4b\u4e8c\u7684\u52a0\u62ff\u5927\u751a\u81f3\u90fd\u4e0d\u77e5\u9053\u81ea\u5df1\u9000\u4f11\u9700\u8981\u591a\u5c11\u94b1\uff0c\u6216\u8005\u662f\u9700\u8981\u591a\u957f\u65f6\u95f4\u3002\u4e0d\u8fc7\uff0c\u8fd9\u4e9b\u95ee\u9898\u6211\u4eec\u90fd\u8981\u505a\u5230\u5fc3\u4e2d\u6709\u6570\uff0c\u5982\u679c\u9700\u8981\u957f\u671f\u62a4\u7406\u65f6\uff0c\u6211\u4eec\u53c8\u5e94\u5f53\u5982\u4f55\u5e94\u5bf9\uff0c\u6240\u6709\u8fd9\u4e9b\u90fd\u9700\u8981\u6211\u4eec\u63d0\u524d\u6253\u7b97\u3002<\/p>\n

3. \u5173\u6ce8\u8d44\u4ea7\u800c\u4e0d\u662f\u6536\u5165<\/h2>\n

\u9000\u4f11\u524d\u6211\u4eec\u5904\u4e8e\u8d22\u5bcc\u7684\u79ef\u7d2f\u9636\u6bb5\uff0c\u56e0\u6b64\u4e60\u60ef\u4e8e\u628a\u7cbe\u529b\u96c6\u4e2d\u4e8e\u5982\u4f55\u5b9e\u73b0\u8d44\u4ea7\u7684\u589e\u957f\u3002\u4e0d\u8fc7\uff0c\u9000\u4f11\u6b63\u597d\u662f\u4e00\u4e2a\u76f8\u53cd\u7684\u8fc7\u7a0b\uff0c\u4f46\u5f88\u591a\u4eba\u5e76\u6ca1\u6709\u4e00\u4e2a\u6e05\u6670\u7684\u9000\u4f11\u89c4\u5212\u3002<\/p>\n

\u591a\u6570\u6295\u8d44\u5e7f\u544a\u90fd\u805a\u7126\u4e8e\u5ba2\u6237\u7684\u8d22\u5bcc\u79ef\u7d2f\u9636\u6bb5\u3002\u6bd4\u5982\u8bf4\uff0c\u6bcf\u4e00\u4e2a\u4eba\u90fd\u5728\u4e0d\u65ad\u5730\u5411\u6211\u4eec\u515c\u552e\u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\uff08RRSP\uff09\uff0c\u5ba3\u79f0\u8fd9\u662f\u4e00\u6b3e\u4e13\u95e8\u4e3a\u9000\u4f11\u91cf\u8eab\u6253\u9020\u7684\u6295\u8d44\u795e\u5668\uff0c\u6bd4\u5982\u8bf4\u5b83\u6240\u80fd\u4eab\u53d7\u5230\u7684\u7a0e\u6536\u4f18\u60e0\u653f\u7b56\u4ee5\u53ca\u5982\u4f55\u4fc3\u8fdb\u957f\u671f\u50a8\u84c4\u3002<\/p>\n

\u7136\u800c\uff0c\u6ca1\u6709\u4eba\u4f1a\u5411\u6211\u4eec\u89e3\u91caRRSP\u7684\u53d6\u6b3e\u653f\u7b56\u3002\u6bd4\u5982\u8bf4\uff0c\u5230\u4e8671\u5c81\u65f6\u4f60\u5fc5\u987b\u628a\u94b1\u90fd\u53d6\u51fa\u6765\uff0c\u5426\u5219\u5c31\u8981\u7f34\u7eb3\u66f4\u591a\u7684\u7a0e\u3002\u9000\u4f11\u540e\u4f60\u7684\u8d22\u52a1\u7b56\u7565\u4e5f\u5fc5\u987b\u6539\u53d8\uff0c\u4f46\u5f88\u591a\u4eba\u90fd\u4e0d\u77e5\u9053\u8fd9\u4e00\u70b9\u3002<\/p>\n

\u56e0\u6b64\uff0c\u6211\u4eec\u5e94\u8be5\u600e\u4e48\u529e\uff1f\u9000\u4f11\u89c4\u5212\u8457\u4f5c\u300a\u4e0d\u8981\u5fe7\u8651\uff0c\u5feb\u4e50\u9000\u4f11\u300b\uff08\u4f5c\u8005Tom Hegna\uff09\u7684\u8fd9\u56db\u4e2a\u8981\u70b9\u53ef\u4ee5\u4e3a\u6211\u4eec\u63d0\u4f9b\u4e0d\u9519\u7684\u6307\u5bfc\u3002<\/p>\n

1. \u5b9a\u4e49\u81ea\u5df1\u7684\u9000\u4f11<\/h2>\n

\u9996\u5148\uff0c\u6211\u4eec\u9700\u8981\u660e\u786e\u9000\u4f11\u5bf9\u4e8e\u6211\u4eec\u81ea\u5df1\u800c\u8a00\u610f\u5473\u7740\u4ec0\u4e48\u3002\u5c31\u6211\u6765\u8bf4\uff0c\u6211\u8ba4\u4e3a\u9000\u4f11\u7684\u5b9a\u4e49\u5c31\u662f\u8d22\u52a1\u81ea\u7531\uff0c\u53ef\u4ee5\u505a\u81ea\u5df1\u60f3\u505a\u7684\u4e8b\u800c\u65e0\u9700\u4e3a\u8d26\u5355\u62c5\u5fe7\u3002<\/p>\n

\u5f53\u7136\uff0c\u6bcf\u4e00\u4e2a\u4eba\u5fc3\u4e2d\u7406\u60f3\u7684\u9000\u4f11\u90fd\u5404\u4e0d\u76f8\u540c\u3002\u6709\u7684\u4eba\u5e0c\u671b\u6bcf\u5929\u90fd\u5750\u5728\u6c99\u53d1\u4e0a\uff0c\u6709\u7684\u4eba\u70ed\u7231\u65c5\u884c\uff0c\u5e0c\u671b\u6bcf\u5e74\u90fd\u80fd\u51fa\u53bb\u65c5\u884c5\u6b21\u3002<\/p>\n

\u4f46\u65e0\u8bba\u5982\u4f55\uff0c\u9000\u4f11\u90fd\u5206\u4e3a\u4e09\u4e2a\u9636\u6bb5\uff1a<\/p>\n

    \n
  1. \u5c3d\u60c5\u6f47\u6d12\u7684\u65f6\u5149\uff1a\u4f60\u7ec8\u4e8e\u62e5\u6709\u4e86\u8ffd\u6c42\u81ea\u5df1\u5174\u8da3\u7684\u81ea\u7531\u3002\u4f60\u5916\u51fa\u65c5\u884c\uff0c\u6253\u9ad8\u5c14\u592b\uff0c\u6253\u7f51\u7403\uff0c\u6bcf\u5929\u90fd\u6d3b\u52a8\u6ee1\u6ee1\uff0c\u8fc7\u5f97\u5f88\u5145\u5b9e\u3002<\/li>\n
  2. \u51b7\u5374\u671f\uff1a\u4f60\u4ecd\u5728\u505a\u81ea\u5df1\u559c\u6b22\u7684\u4e8b\u60c5\uff0c\u4f46\u9891\u6b21\u5728\u4e0b\u964d\u3002<\/li>\n
  3. \u5c45\u5bb6\u517b\u8001\u65f6\u671f\uff1a\u4f60\u7684\u5065\u5eb7\u72b6\u51b5\u5728\u4e0d\u65ad\u6076\u5316\uff0c\u57fa\u672c\u4e0a\u5df2\u7ecf\u79bb\u4e0d\u5f00\u5e8a\u3002<\/li>\n<\/ol>\n

    \u6211\u8fd9\u91cc\u5e76\u4e0d\u662f\u4e3a\u4e86\u63cf\u7ed8\u4e00\u4e2a\u8ba9\u4eba\u90c1\u95f7\u7684\u672a\u6765\uff0c\u800c\u662f\u8981\u63d0\u9192\u4f60\u4eab\u53d7\u9000\u4f11\u7684\u65e9\u5e74\u65f6\u5149\uff0c\u540c\u65f6\u968f\u7740\u65f6\u5149\u63a8\u79fb\u9010\u6b65\u8c03\u6574\u81ea\u5df1\u7684\u652f\u51fa\u3002\u6bcf\u4e00\u4e2a\u4eba\u9000\u4f11\u65f6\u7684\u8d44\u91d1\u89c4\u6a21\uff0c\u6216\u8005\u662f\u5174\u8da3\u6d3b\u52a8\u6240\u82b1\u8d39\u7684\u6210\u672c\u90fd\u662f\u4e0d\u540c\u7684\uff0c\u56e0\u6b64\u9700\u8981\u4f60\u505a\u597d\u7ec6\u81f4\u7684\u89c4\u5212\u3002<\/p>\n

    \u8981\u5b9e\u73b0\u8fd9\u4e00\u70b9\uff0c\u6709\u4e9b\u4eba\u9009\u62e9\u7ee7\u7eed\u5de5\u4f5c\u7684\u6df7\u5408\u9000\u4f11\u65b9\u5f0f\u3002\u8fd9\u80fd\u591f\u589e\u52a0\u4f60\u7684\u9000\u4f11\u6536\u5165\uff0c\u4fdd\u6301\u5927\u8111\u7684\u6d3b\u8dc3\u6027\uff0c\u4ee5\u53ca\u83b7\u5f97\u8bf8\u5982\u533b\u7597\u4fdd\u9669\u7b49\u9ad8\u989d\u798f\u5229\u7684\u8d44\u683c\uff0c\u6bd5\u7adf\u73b0\u572890\u5c81\u4ee5\u4e0a\u7684\u8001\u5e74\u4eba\u5e76\u4e0d\u5c11\u89c1\u3002\u76ee\u524d\uff0c\u5927\u7ea645%\u7684\u9000\u4f11\u4eba\u5458\u90fd\u9009\u62e9\u6df7\u5408\u9000\u4f11\u65b9\u5f0f\u5e76\u4e50\u5728\u5176\u4e2d\u3002<\/p>\n

    2. \u901a\u80c0\u3001\u901a\u80c0\u548c\u901a\u80c0\uff0c\u91cd\u8981\u7684\u4e8b\u60c5\u8bf4\u7b2c\u4e09\u904d<\/h2>\n

    \u65b0\u51a0\u75ab\u60c5\u4e4b\u4e0b\uff0c\u52a0\u62ff\u5927\u653f\u5e9c\u5927\u8086\u4e3e\u503a\uff0c\u597d\u50cf\u65e0\u9700\u8003\u8651\u660e\u5929\u3002\u60b2\u50ac\u7684\u662f\uff0c\u660e\u5929\u7ec8\u5c06\u5230\u6765\uff0c\u6211\u4eec\u4e5f\u5c06\u8981\u4e3a\u4eca\u5929\u7684\u6240\u4f5c\u6240\u4e3a\u4ed8\u51fa\u4ee3\u4ef7\uff1a\u5546\u54c1\u548c\u670d\u52a1\u4ef7\u683c\u7684\u4e0a\u5347\u3002<\/p>\n

    \u8fd9\u672c\u4e66\u6307\u51fa\uff0c\u5982\u679c\u4f6070\u5c81\u9000\u4f1175\u5c81\u5c31\u53bb\u4e16\uff0c\u901a\u80c0\u5bf9\u4f60\u7684\u5f71\u54cd\u5c31\u4e0d\u4f1a\u5f88\u5927\u3002\u4f46\u662f\uff0c\u5982\u679c\u4f6055\u5c81\u5c31\u9000\u4f11\u5e76\u6d3b\u5230\u4e8690\u591a\u5c81\uff0c\u901a\u80c0\u6709\u53ef\u80fd\u4f1a\u8ba9\u4f60\u7684\u8d2d\u4e70\u529b\u8170\u65a9\uff01<\/p>\n

    3. \u8d26\u6237\u6574\u5408<\/h2>\n

    \u66fe\u7ecf\u6709\u4e00\u4e2a\u4e0e\u6211\u5171\u4e8b\u8fc7\u7684\u4eba\u5728\u4e0d\u540c\u94f6\u884c\u5f00\u8bbe\u4e8630\u591a\u4e2a\u4e0d\u540c\u7684\u8d26\u6237\u3002\u8fd9\u5b9e\u5728\u662f\u592a\u6df7\u4e71\u4e86\uff01\u6211\u5efa\u8bae\u5c06\u6240\u6709\u7684\u8d26\u6237\u6574\u5408\u4e3a\u4ee5\u4e0b4\u4e2a\u57fa\u672c\u7684\u5927\u7c7b\u3002<\/p>\n

      \n
    1. \u65e5\u5e38\u5f00\u652f<\/li>\n<\/ol>\n

      \u8fd9\u7c7b\u8d26\u6237\u7528\u4e8e\u652f\u4ed8\u65e5\u5e38\u5f00\u9500\uff0c\u5176\u4e2d\u5305\u62ec\u4e61\u6751\u4ff1\u4e50\u90e8\u4f1a\u5458\u8d39\u7b49\u201c\u5468\u672b\u4f11\u95f2\u201d\u8d39\u7528\u3002<\/p>\n

        \n
      1. \u4fdd\u8bc1\u957f\u671f\u6536\u5165<\/li>\n<\/ol>\n

        \u7528\u4e8e\u7c7b\u4f3c\u517b\u8001\u3001\u653f\u5e9c\u798f\u5229\u3001\u79df\u8d41\u6536\u5165\u548c\u5b9a\u671f\u5b58\u6b3e\u7b49\u957f\u671f\u8d39\u7528\u7684\u4fdd\u8bc1\u8d44\u91d1\u3002<\/p>\n

          \n
        1. \u6295\u8d44\u8d44\u91d1<\/li>\n<\/ol>\n

          \u8fd9\u7c7b\u8d44\u91d1\u7684\u76ee\u6807\u662f\u81f3\u5c11\u8981\u51fb\u8d25\u901a\u80c0\u3002\u6b64\u5916\uff0c\u8fd9\u4e9b\u8d44\u91d1\u5fc5\u8981\u65f6\u8fd8\u53ef\u4ee5\u8f6c\u7528\u4e8eA\u7c7b\u548cB\u7c7b\u7528\u9014\u3002<\/p>\n

            \n
          1. \u5e94\u6025\u8d44\u91d1<\/li>\n<\/ol>\n

            \u7b49\u5230\u4e8675\u5c81\uff0c10\u4e2a\u52a0\u62ff\u5927\u4eba\u5f53\u4e2d5\u4e2a\u90fd\u5c06\u9700\u8981\u4e0d\u540c\u5f62\u5f0f\u7684\u533b\u7597\u62a4\u7406\uff0c\u4f46\u4e0d\u8981\u6307\u671b\u653f\u5e9c\u7684\u798f\u5229\u53ef\u4ee5\u5b8c\u5168\u6ee1\u8db3\u8fd9\u4e00\u9700\u6c42\u3002<\/p>\n

            \u627e\u4e00\u4e2a\u52a0\u62ff\u5927\u9000\u4f11\u4e13\u4e1a\u4eba\u58eb<\/h2>\n

            \u505a\u597d\u9000\u4f11\u89c4\u5212\u4f1a\u8ba9\u4eba\u66f4\u52a0\u5feb\u4e50\uff0c\u8fd9\u662f\u4e00\u4e2a\u786e\u5b9a\u7684\u4e8b\u5b9e\u3002\u5728\u8fd9\u4e00\u8fc7\u7a0b\u4e2d\uff0c\u4e13\u4e1a\u4eba\u58eb\u53ef\u4ee5\u7b54\u7591\u89e3\u60d1\uff0c\u8fd9\u5bf9\u4e8e\u90a3\u4e9b\u6ca1\u6709\u65f6\u95f4\u6216\u5174\u8da3\u81ea\u5df1\u5236\u5b9a\u9000\u4f11\u89c4\u5212\u7684\u4eba\u6765\u8bf4\u5c24\u5176\u6709\u5e2e\u52a9\u3002<\/p>\n

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