{"id":372004,"date":"2021-03-01T21:21:25","date_gmt":"2021-03-02T05:21:25","guid":{"rendered":"https:\/\/nai500.com\/blog\/2021\/03\/rrsp-canada\/"},"modified":"2021-05-05T12:28:00","modified_gmt":"2021-05-05T19:28:00","slug":"%e5%8a%a0%e6%8b%bf%e5%a4%a7%e9%81%bf%e7%a8%8e%e6%8a%95%e8%b5%84%e8%b4%a6%e6%88%b7-rrsp","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hans\/blog\/2021\/03\/%e5%8a%a0%e6%8b%bf%e5%a4%a7%e9%81%bf%e7%a8%8e%e6%8a%95%e8%b5%84%e8%b4%a6%e6%88%b7-rrsp\/","title":{"rendered":"\u8fd9\u4e94\u7c7b\u4eba\u6700\u9002\u5408\u52a0\u62ff\u5927\u907f\u7a0e\u6295\u8d44\u8d26\u6237RRSP\uff0c\u5feb\u6765\u770b\u770b\u6709\u6ca1\u6709\u4f60"},"content":{"rendered":"<p>\u52a0\u62ff\u5927\u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\uff08RRSP\uff09\u662f\u4e00\u6b3e\u975e\u5e38\u4e0d\u9519\u7684\u907f\u7a0e\u6295\u8d44\u8d26\u6237\uff0c\u800c\u4e14\u975e\u5e38\u9002\u5408\u4e94\u7c7b\u4eba\uff0c\u5feb\u6765\u770b\u770b\u6709\u6ca1\u6709\u4f60\u3002<\/p>\n<h2>\u9ad8\u7a0e\u7ea7\u4eba\u7fa4<\/h2>\n<p>\u6536\u5165\u6c34\u5e73\u4e0d\u540c\uff0c\u7a0e\u6536\u7b49\u7ea7\u5c31\u4e0d\u540c\uff0c\u6240\u5f97\u7a0e\u81ea\u7136\u5c31\u4f1a\u6709\u5dee\u5f02\u3002\u7b80\u5355\u6765\u8bf4\uff0c\u7a0e\u7ea7\u8d8a\u9ad8\uff0c\u5e94\u7f34\u6240\u5f97\u7a0e\u5c31\u8d8a\u591a\uff0c\u8fd9\u79cd\u60c5\u51b5\u4e0b\u5c06\u8d44\u91d1\u5b58\u5165RRSP\u53ef\u80fd\u5c31\u80fd\u8d77\u5230\u907f\u7a0e\u7684\u6548\u679c\u3002\u4ece\u6211\u4f5c\u4e3a\u8d22\u52a1\u987e\u95ee\u7684\u7ecf\u9a8c\u6765\u770b\uff0c\u5e74\u6536\u5165\u8d85\u8fc7$4\u4e07\u7684\u7eb3\u7a0e\u4eba\u5c31\u53ef\u4ee5\u8003\u8651\u5c06RRSP\u4f5c\u4e3a\u907f\u7a0e\u5de5\u5177\u3002\u5982\u679c\u5e74\u6536\u5165\u8d85\u8fc7$8\u4e07\uff0c\u5c24\u5176\u5bf9\u4e8e\u4e0a\u73ed\u65cf\u6765\u8bf4\uff0cRRSP\u7edd\u5bf9\u5927\u6709\u88e8\u76ca\u3002\u4e0d\u540c\u4e8e\u4f01\u4e1a\u4e3b\uff0c\u96c7\u5458\u6263\u9664\u5e94\u7eb3\u7a0e\u6536\u5165\u65f6\u5e76\u6ca1\u6709\u592a\u591a\u7684\u9009\u62e9\uff0c\u56e0\u6b64\u4ed6\u4eec\u60f3\u8981\u83b7\u5f97\u66f4\u591a\u7684\u9000\u7a0e\uff0cRRSP\u662f\u6781\u597d\u7684\u89e3\u51b3\u65b9\u6848\u3002<\/p>\n<p>\u5982\u679c\u4f60\u8d5a\u4e86\u7b14\u5956\u91d1\u4f46\u6ca1\u6709\u505a\u597d\u76f8\u5e94\u7684\u89c4\u5212\uff0c\u52a0\u62ff\u5927\u7a0e\u52a1\u5c40CRA\u53ef\u80fd\u62ff\u8d70\u5956\u91d1\u6bd4\u4f8b\u7684\u6700\u9ad840%\u3002\u4f60\u53ef\u4ee5\u8003\u8651\u5c06\u8fd9\u7b14\u5956\u91d1\u76f4\u63a5\u5b58\u5165RRSP\u3002\u4e0d\u8fc7\uff0c\u6211\u4eec\u540c\u65f6\u4e5f\u8981\u8003\u8651\u73b0\u91d1\u6d41\u5e76\u54a8\u8be2\u81ea\u5df1\u7684\u987e\u95ee\uff0c\u4ece\u800c\u505a\u51fa\u5bf9\u81ea\u5df1\u6700\u4f18\u7684\u51b3\u7b56\u3002<\/p>\n<h2>\u957f\u671f\u50a8\u84c4\u4eba\u7fa4<\/h2>\n<p>\u5982\u679c\u4f60\u6709\u957f\u671f\u50a8\u84c4\u7684\u8ba1\u5212\uff0cRRSP\u662f\u4e00\u4e2a\u4e0d\u9519\u7684\u9009\u62e9\u3002\u95ee\u9898\u662f\uff0c\u591a\u4e45\u7b97\u957f\u671f\uff1f\u4ece\u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\u8fd9\u4e2a\u540d\u79f0\u6211\u4eec\u53ef\u4ee5\u770b\u51fa\uff0cRRSP\u7684\u8bbe\u8ba1\u521d\u8877\u5c31\u662f\u9000\u4f11\u50a8\u84c4\u3002\u6240\u4ee5\uff0c\u5982\u679c\u4f60\u4e24\u4e2a\u6708\u4e4b\u540e\u5c31\u9700\u8981\u7528\u5230\u8fd9\u7b14\u94b1\uff0cRRSP\u5c31\u4e0d\u9002\u5408\u4f60\u3002<\/p>\n<p>RRSP\u7684\u4f9b\u6b3e\u4e0a\u9650\u662f18%\uff0c\u4e5f\u5c31\u662f\u5b58\u5165\u8be5\u8d26\u6237\u7684\u8d44\u91d1\u4e0d\u5f97\u8d85\u8fc7\u4f60\u524d\u4e00\u5e74\u6536\u5165\u768418%\u3002\u5982\u679c\u770b\u4e86\u6211\u7684<a href=\"https:\/\/www.youtube.com\/watch?v=VzCOoEyGJTw&amp;t=197s?sub_confirmation=1\">RRSP 101\u89c6\u9891<\/a>\uff0c\u4f60\u5c31\u5e94\u8be5\u77e5\u9053\uff0c\u52a0\u62ff\u5927\u653f\u5e9c\u4e4b\u6240\u4ee5\u8bbe\u5b9a\u8fd9\u4e00\u6bd4\u4f8b\uff0c\u7406\u8bba\u57fa\u7840\u662f\u5047\u8bbe\u5982\u679c\u4f60\u80fd\u6bcf\u5e74\u90fd\u80fd\u628a\u8fd9\u4e00\u6bd4\u4f8b\u7684\u6536\u5165\u5b58\u4e0b\u6765\uff0c\u53e0\u52a0\u5408\u7406\u7684\u6536\u76ca\u7387\uff0c\u65e5\u540e\u5728\u52a0\u62ff\u5927\u9000\u4f11\u5c31\u80fd\u62e5\u6709\u8db3\u591f\u7684\u517b\u8001\u91d1\u3002<\/p>\n<p>\u6ca1\u6709\u9000\u4f11\u8ba1\u5212\uff1f\u8fd9\u4e5f\u6ca1\u95ee\u9898\uff0c\u9664\u4e86\u517b\u8001\u50a8\u84c4\uff0cRRSP\u540c\u65f6\u4e5f\u662f\u4e00\u4e2a\u907f\u7a0e\u5de5\u5177\u3002\u56e0\u6b64\uff0c\u5982\u679c\u4f60\u7684\u514d\u7a0e\u50a8\u84c4\u5e10\u6237\uff08TFSA\uff09\u7684\u4f9b\u6b3e\u989d\u5ea6\u7528\u5149\u4e86\uff0c\u53ef\u4ee5\u8003\u8651RRSP\u3002<\/p>\n<h2>\u6709\u5bb6\u5ba4\u6216\u4e34\u8fd1\u9000\u4f11\u7684\u4eba\u7fa4<\/h2>\n<p>\u90a3\u4e9b\u6709\u5bb6\u5ba4\u6216\u4e34\u8fd1\u9000\u4f11\u7684\u4eba\u6b63\u5728\u6216\u5373\u5c06\u9886\u53d6\u653f\u5e9c\u798f\u5229\uff0c\u4f46\u8fd9\u4e9b\u798f\u5229\u8ddf\u4f60\u7684\u6536\u5165\u662f\u6302\u94a9\u7684\u3002\u5982\u679c\u6536\u5165\u6c34\u5e73\u592a\u9ad8\uff0c\u53ef\u80fd\u5c31\u4f1a\u4e27\u5931\u9886\u53d6\u8fd9\u4e9b\u798f\u5229\u7684\u8d44\u683c\uff0c\u800c\u901a\u8fc7\u5411RRSP\u4f9b\u6b3e\u5c31\u53ef\u4ee5\u51cf\u5c11\u4f60\u7684\u6536\u5165\u3002<\/p>\n<p>\u4e3e\u4e2a\u4f8b\u5b50\uff1a\u62e5\u6709\u5b50\u5973\u4e14\u5bb6\u5ead\u6536\u5165\u4f4e\u4e8e$20\u4e07\u7684\u52a0\u62ff\u5927\u4eba\u7b26\u5408\u52a0\u62ff\u5927\u513f\u7ae5\u798f\u5229\u91d1\uff08CCB\uff09\u7684\u9886\u53d6\u8d44\u683c\u3002\u5982\u679c\u6536\u5165\u9ad8\u4e8e\u8fd9\u4e00\u6c34\u5e73\uff0c\u4f60\u53ef\u4ee5\u628a\u4e00\u90e8\u5206\u8d44\u91d1\u5b58\u5165RRSP\uff0c\u8fd9\u6837\u5c31\u964d\u4f4e\u4f60\u7684\u5e94\u7eb3\u7a0e\u6536\u5165\uff0c\u4ece\u800c\u83b7\u5f97CCB\u7684\u9886\u53d6\u8d44\u683c\uff0c\u589e\u52a0\u4f60\u7684\u798f\u5229\u3002<\/p>\n<p>\u5bf9\u4e8e\u9886\u53d6\u8001\u9f84\u4fdd\u969c\u91d1\uff08OAS\uff09\u548c\u6536\u5165\u4fdd\u969c\u6d25\u8d34\uff08GIS\uff09\u7684\u4eba\u6765\u8bf4\uff0c\u5982\u679c\u4e00\u5e74\u7684\u6536\u5165\u8d85\u8fc7$7.9\u4e07\uff0c\u8fd9\u4e9b\u8865\u8d34\u7684\u91d1\u989d\u5c31\u4f1a\u76f8\u5e94\u51cf\u5c11\u3002\u5728\u8fd9\u79cd\u60c5\u51b5\u4e0b\uff0cRRSP\u5c31\u6709\u4e86\u7528\u6b66\u4e4b\u5730\u3002\u4f46\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u8fc7\u4e8671\u5c81\uff0c\u4f60\u7684RRSP\u5c31\u4f1a\u8f6c\u5165\u6ce8\u518c\u9000\u4f11\u6536\u5165\u57fa\u91d1RRIF\u5e76\u5f3a\u5236\u8981\u6c42\u53d6\u6b3e\u548c\u7f34\u7a0e\u3002<\/p>\n<h2>\u51c6\u59073-5\u5e74\u5185\u8d2d\u4e70\u9996\u5957\u623f\u7684\u4eba\u7fa4<\/h2>\n<p>RRSP\u53ef\u4ee5\u589e\u52a0\u4f60\u7684\u50a8\u84c4\uff0c\u6bd4\u65b9\u8bf4\uff0c\u4f60\u4e00\u5e74\u8d5a\u4e86$10\u4e07\uff0c\u8fb9\u9645\u7a0e\u6536\u7b49\u7ea7\u4e3a38%\u3002\u4e5f\u5c31\u662f\u8bf4\uff0c\u4f60\u6bcf\u8d5a$1\uff0c\u5176\u4e2d\u768438\u5206\u5c06\u4ee5\u7a0e\u91d1\u7684\u65b9\u5f0f\u56de\u5230\u653f\u5e9c\u7684\u53e3\u888b\u3002\u4e0d\u8fc7\uff0c\u5982\u679c\u662f\u628a$1\u4e07\u5b58\u5165RRSP\uff0c\u5c31\u80fd\u83b7\u5f97\u5927\u6982$3800\u7684\u9000\u7a0e\u3002\u6301\u7eed\u4e09\u5e74\uff0c\u603b\u9000\u7a0e\u989d\u5c06\u9ad8\u8fbe$1.14\u4e07\u3002\u8fd9\u542c\u4e0a\u53bb\u4e0d\u591a\uff0c\u4f46\u53ea\u8981\u8f6c\u8f6c\u8d26\u5c31\u4f1a\u83b7\u5f9738%\u7684\u4fdd\u8bc1\u6536\u76ca\u7387\uff0c\u4f55\u4e50\u800c\u4e0d\u4e3a\u5462\uff1f<\/p>\n<p>\u5982\u679c\u4f60\u6253\u7b97\u8d2d\u4e70\u9996\u5957\u623f\uff0c\u53ef\u4ee5\u5728RRSP\u8d26\u6237\u4e2d\u6700\u591a\u62ff\u51fa$3.5\u4e07\u7528\u4e8e\u652f\u4ed8\u9996\u4ed8\u6216\u5176\u4ed6\u8d2d\u623f\u8d39\u7528\u3002\u6309\u7167\u653f\u5e9c\u7684\u653f\u7b56\uff0c\u8fd9\u7b14\u53d6\u6b3e\u65e0\u9700\u7f34\u7a0e\uff0c\u8fd8\u6b3e\u671f\u9650\u4e3a15\u5e74\u3002<\/p>\n<h2>\u51c6\u5907\u51fa\u552e\u7b2c\u4e8c\u5957\u623f\u7684\u4eba\u7fa4<\/h2>\n<p>\u51fa\u552e\u4e8c\u5957\u623f\u4f1a\u4ea7\u751f\u8d44\u672c\u5229\u5f97\uff0c\u5176\u4e2d\u768450%\u9700\u8981\u7f34\u7a0e\u3002\u6253\u4e2a\u6bd4\u65b9\uff1a\u4f60$50\u4e07\u4e70\u5165\u7684\u623f\u5b50\u73b0\u5728\u6da8\u5230\u4e86$100\u4e07\uff0c\u4e00\u65e6\u51fa\u552e\uff0c\u589e\u503c\u90e8\u5206\u768450%\uff08$25\u4e07\uff09\u5c06\u88ab\u89c6\u4e3a\u6536\u5165\u5e76\u7f34\u7a0e\u3002\u6b64\u5916\uff0c\u8fd9\u4e00\u89c4\u5219\u540c\u6837\u9002\u7528\u4e8e\u975e\u6ce8\u518c\u8d26\u6237\u5f53\u4e2d\u7684\u6295\u8d44\u3002\u501f\u52a9RRSP\uff0c\u6211\u4eec\u53ef\u4ee5\u964d\u4f4e\u8fd9\u4e00\u7a0e\u6536\u8d1f\u62c5\u3002<\/p>\n<p>\u4f5c\u4e3a\u4e00\u540d\u62e5\u6709\u5341\u591a\u5e74\u4ece\u4e1a\u7ecf\u9a8c\u7684\u8d22\u52a1\u987e\u95ee\uff0c\u5f88\u591a\u5ba2\u6237\u90fd\u5411\u6211\u54a8\u8be2\u6709\u5173\u5f69\u7968\u6216\u4eba\u5bff\u4fdd\u9669\u65b9\u9762\u7684\u7a0e\u52a1\u95ee\u9898\u3002\u8ddf\u7f8e\u56fd\u4e0d\u540c\uff0c\u52a0\u62ff\u5927\u5f69\u7968\u88ab\u89c6\u4e3a\u610f\u5916\u6536\u5165\uff0c\u800c\u610f\u5916\u6536\u5165\u65e0\u9700\u7f34\u7a0e\u3002\u6b64\u5916\uff0c\u4eba\u5bff\u4fdd\u9669\u4e5f\u662f\u514d\u7a0e\u7684\uff0c\u56e0\u6b64\u5f88\u591a\u4eba\u901a\u8fc7\u5bff\u9669\u907f\u7a0e\u3002<\/p>\n<p>\u4f60\u662f\u5426\u5c5e\u4e8e\u4e0a\u8ff0\u4e94\u79cd\u7c7b\u578b\u7684\u4eba\u7fa4\uff1f\u5982\u679c\u4f60\u60f3\u83b7\u5f97\u4e2a\u6027\u5316\u7684\u4e2a\u4eba\u5efa\u8bae\uff0c\u8bf7\u9884\u5b9a30\u5206\u949f\u7684\u54a8\u8be2\uff0c\u6211\u5c06\u5f88\u9ad8\u5174\u4e3a\u60a8\u670d\u52a1\u3002\u6216\u8005\u4f60\u4e5f\u53ef\u4ee5\u5173\u6ce8\u6211\u7684<a href=\"https:\/\/www.youtube.com\/c\/ThomasCChan?sub_confirmation=1\">YouTube\u9891\u9053<\/a>\uff0c\u4e86\u89e3\u66f4\u591a\u6709\u5173\u5728\u52a0\u62ff\u5927\u5982\u4f55\u79ef\u7d2f\u8d22\u5bcc\u7684\u5185\u5bb9\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u52a0\u62ff\u5927\u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\uff08RRSP\uff09\u662f\u4e00\u6b3e\u975e\u5e38\u4e0d\u9519\u7684\u907f\u7a0e\u6295\u8d44\u8d26\u6237\uff0c\u800c\u4e14\u975e\u5e38\u9002\u5408\u4e94\u7c7b\u4eba\uff0c\u5feb\u6765\u770b\u770b\u6709\u6ca1\u6709\u4f60\u3002 \u9ad8\u7a0e\u7ea7 [&hellip;]<\/p>\n","protected":false},"author":34,"featured_media":372001,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[430],"tags":[522],"class_list":["post-372004","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trends-strategies-zh-hans","tag-522","sectors-financial-products-zh-hans","locations-canada-zh-hans"],"acf":[],"_links":{"self":[{"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/posts\/372004","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/users\/34"}],"replies":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/comments?post=372004"}],"version-history":[{"count":0,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/posts\/372004\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/media\/372001"}],"wp:attachment":[{"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/media?parent=372004"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/categories?post=372004"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/tags?post=372004"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}