{"id":393851,"date":"2021-08-15T18:10:12","date_gmt":"2021-08-16T01:10:12","guid":{"rendered":"https:\/\/nai500.com\/?p=393851"},"modified":"2021-08-15T18:10:12","modified_gmt":"2021-08-16T01:10:12","slug":"%e5%8a%a0%e6%8b%bf%e5%a4%a7%e8%81%94%e9%82%a6%e9%80%89%e4%b8%be%ef%bc%9a%e9%80%80%e4%bc%91%e5%82%a8%e8%93%84%e4%bc%9a%e6%88%90%e4%b8%ba%e6%94%b6%e5%89%b2%e5%af%b9%e8%b1%a1%e5%90%97%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hans\/blog\/2021\/08\/%e5%8a%a0%e6%8b%bf%e5%a4%a7%e8%81%94%e9%82%a6%e9%80%89%e4%b8%be%ef%bc%9a%e9%80%80%e4%bc%91%e5%82%a8%e8%93%84%e4%bc%9a%e6%88%90%e4%b8%ba%e6%94%b6%e5%89%b2%e5%af%b9%e8%b1%a1%e5%90%97%ef%bc%9f\/","title":{"rendered":"\u52a0\u62ff\u5927\u8054\u90a6\u9009\u4e3e\uff1a\u9000\u4f11\u50a8\u84c4\u4f1a\u6210\u4e3a\u6536\u5272\u5bf9\u8c61\u5417\uff1f"},"content":{"rendered":"

\u52a0\u62ff\u5927\u9000\u4f11\u6295\u8d44\u8005\u5e94\u5f53\u5bc6\u5207\u5173\u6ce8\u5c06\u4e8e9\u670820\u65e5\u63d0\u524d\u4e3e\u884c\u7684\u8054\u90a6\u4f17\u8bae\u9662\u9009\u4e3e\u3002\u653f\u5e9c\u65e2\u662f\u7ed9\u4e88\u8005\uff0c\u4e5f\u662f\u7d22\u53d6\u8005\u3002\u5230\u76ee\u524d\u4e3a\u6b62\uff0c\u52a0\u62ff\u5927\u653f\u5e9c\u7684\u65b0\u51a0\u75ab\u60c5\u652f\u51fa\u4f30\u7b97\u5df2\u7ecf\u8d85\u8fc7$2000\u4ebf\uff0c\u73b0\u5728\u6025\u9700\u521b\u6536\u6e20\u9053\u3002\u52a0\u62ff\u5927\u4eba\u7684\u9000\u4f11\u50a8\u84c4\u7a0e\u6536\u51cf\u514d\u653f\u7b56\u4f1a\u5426\u6210\u4e3a\u4e0b\u4e00\u5c4a\u8054\u90a6\u653f\u5e9c\u7684\u6536\u5272\u76ee\u6807\u5417\uff1f<\/p>\n

\u6536\u5272\u52a0\u62ff\u5927\u9000\u4f11\u50a8\u84c4\u7684\u65f6\u673a\u6216\u8bb8\u5df2\u7ecf\u6210\u719f\u3002\u56e0\u6b64\uff0c\u6563\u6237\u6295\u8d44\u8005\u6295\u7968\u7ed9\u5019\u9009\u4eba\u4e4b\u524d\uff0c\u771f\u7684\u5e94\u8be5\u95ee\u6e05\u695a\u4ee5\u4e0b\u8fd94\u4e2a\u95ee\u9898\u3002<\/p>\n

1. TFSA\u8fd8\u7ee7\u7eed\u201c\u514d\u7a0e\u201d\u5417\uff1f<\/h2>\n

2008\u5e74\u5168\u7403\u91d1\u878d\u5371\u673a\u7206\u53d1\u540e\uff0c\u4e3a\u4e86\u91cd\u62fe\u6295\u8d44\u8005\u5bf9\u4e8e\u8d44\u672c\u5e02\u573a\u7684\u4fe1\u5fc3\uff0c\u5f53\u65f6Stephen Harper\u9886\u5bfc\u7684\u4fdd\u5b88\u515a\u653f\u5e9c\u9996\u6b21\u63a8\u51fa\u4e86\u514d\u7a0e\u50a8\u84c4\u5e10\u6237\uff08TFSA\uff09\u3002\u987e\u540d\u601d\u4e49\uff0cTFSA\u4f9b\u6b3e\u7684\u6295\u8d44\u6536\u76ca\u6c38\u4e0d\u5f81\u7a0e\uff08\u7f8e\u56fd\u80a1\u606f\u9664\u5916\uff09\uff0c\u56e0\u6b64\u6210\u4e3a\u4e86\u52a0\u62ff\u5927\u4eba\u9000\u4f11\u540e\u83b7\u5f97\u514d\u7a0e\u6536\u5165\u7684\u7406\u60f3\u6765\u6e90\uff08TFSA\u771f\u7684\u514d\u7a0e\u5417\uff1f\u5982\u4f55\u89c4\u907f\u80a1\u606f\u6240\u5f97\u7a0e\uff1f<\/a>\uff09\u3002<\/p>\n

\u81ea\u4ece\u95ee\u4e16\u4ee5\u6765\uff0cTFSA\u7684\u603b\u4f9b\u6b3e\u989d\u5ea6\u6bcf\u5e74\u90fd\u6709\u589e\u52a0\uff0c2021\u5e74\u589e\u52a0\u4e86$6000\u3002\u4e5f\u5c31\u662f\u8bf4\uff0c\u4efb\u4f552009\u5e74\u5df2\u7ecf\u5e74\u6ee118\u5c81\u7684\u52a0\u62ff\u5927\u4eba\u7684\u7d2f\u8ba1\u4f9b\u6b3e\u989d\u5ea6\u76ee\u524d\u5df2\u7ecf\u9ad8\u8fbe$7.55\u4e07\uff08\u5b98\u5ba3\uff1a2021\u5e74\u7684TFSA\u989d\u5ea6\u786e\u5b9a\u4e3a$6000<\/a>\uff09\u3002<\/p>\n

\u672a\u6765\u51e0\u5e74\uff0cTFSA\u4f9b\u6b3e\u589e\u989d\u7684\u591a\u5c11\u5c06\u53d6\u51b3\u4e8e\u638c\u6743\u7684\u653f\u5e9c\u3002\u8be5\u514d\u7a0e\u8d26\u6237\u6bcf\u5e74\u7684\u589e\u989d\u4ece2009\u5e74\u7684$5000\u5347\u81f32015\u5e74\u7684$1\u4e07\u30022016\u5e74\uff0c\u5f53\u65f6\u6267\u653f\u7684\u4fdd\u5b88\u515a\u5c06\u589e\u989d\u63d0\u9ad8\u81f3\u901a\u80c0\u8c03\u6574\u540e\u7684$1.05\u4e07\uff0c\u76f4\u5230\u81ea\u7531\u515a\u4e0a\u53f0\u540e\u91cd\u65b0\u4e0b\u8c03\u81f3$5500\u3002<\/p>\n

TFSA\u672a\u6765\u7684\u4f9b\u6b3e\u989d\u5ea6\u5b58\u5728\u7740\u4e0d\u786e\u5b9a\u6027\u3002\u6b64\u5916\uff0c\u4e0b\u4e00\u5c4a\u653f\u5e9c\u6709\u6743\u57fa\u4e8e\u5404\u79cd\u7406\u7531\u5bf9\u8be5\u8d26\u6237\u7684\u6295\u8d44\u6536\u76ca\u8fdb\u884c\u5f81\u7a0e\uff0c\u6bd4\u5982\u8bf4\u6295\u8d44\u6536\u76ca\u8fbe\u5230\u4e00\u5b9a\u4e34\u754c\u503c\u3002<\/p>\n

2. RRSP\u7684\u53d6\u6b3e\u7a0e\u7387\u4f1a\u5426\u63d0\u9ad8\uff1f<\/h2>\n

1957\u5e74Louis St. Laurent\u9886\u5bfc\u7684\u81ea\u7531\u515a\u653f\u5e9c\u63a8\u51fa\u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\uff08RRSP\uff09\u4ee5\u6765\uff0cRRSP\u5c31\u6210\u4e3a\u4e86\u52a0\u62ff\u5927\u4eba\u9000\u4f11\u6295\u8d44\u7684\u5fc5\u5907\u5de5\u5177\u3002\u52a0\u62ff\u5927\u4e4b\u6240\u4ee5\u559c\u7231RRSP\uff0c\u4e00\u4e2a\u91cd\u8981\u7684\u539f\u56e0\u5728\u4e8e\u8be5\u8d26\u6237\u7684\u4f9b\u6b3e\u53ef\u4ee5\u76f4\u63a5\u6263\u51cf\u8fb9\u9645\u7a0e\u7387\u9ad8\u7684\u5e74\u4efd\u7684\u5e94\u7eb3\u7a0e\u6240\u5f97\uff0c\u6295\u8d44\u83b7\u5f97\u6570\u5341\u5e74\u7684\u514d\u7a0e\u589e\u957f\uff0c\u4ee5\u53ca\u5728\u8fb9\u9645\u7a0e\u7387\u4f4e\u7684\u5e74\u4efd\uff08\u7406\u60f3\u60c5\u51b5\u4e0b\u662f\u9000\u4f11\u540e\uff09\u53d6\u6b3e\u3002<\/p>\n

RRSP\u5df2\u7ecf\u6210\u4e3a\u4e86\u4e0d\u53ef\u89e6\u78b0\u7684\u5236\u5ea6\uff0c\u4efb\u4f55\u60f3\u8981\u6253\u5b83\u6ce8\u610f\u7684\u653f\u5e9c\u65e0\u5f02\u4e8e\u653f\u6cbb\u81ea\u6740\u3002\u4e0d\u8fc7\uff0c\u5982\u679c\u4e0a\u8c03\u4f4e\u7ea7\u8ddd\u7684\u8fb9\u9645\u7a0e\u7387\uff0c\u8fd9\u4e00\u8d26\u6237\u7684\u4f18\u52bf\u53ef\u80fd\u5c31\u8981\u6253\u6298\u6263\u4e86\uff08\u52a0\u62ff\u5927RRSP\u53d6\u6b3e\u7684\u89c4\u5219\u548c\u6ce8\u610f\u4e8b\u9879\uff0c\u4f60\u9700\u8981\u4e86\u89e3\uff01<\/a>\uff09\u3002<\/p>\n

3. \u975e\u6ce8\u518c\u6295\u8d44\u7684\u8d44\u672c\u5229\u5f97\u7a0e\u4f1a\u5426\u4e0a\u8c03\uff1f<\/h2>\n

1971\u5e74\uff0c\u81ea\u7531\u515a\u653f\u5e9c\u9996\u6b21\u5bf9\u6ce8\u518c\u8d26\u6237\uff08\u6bd4\u5982\u8bf4TFSA\u548cRRSP\uff09\u4ee5\u5916\u7684\u6295\u8d44\u6536\u76ca\u5f81\u6536\u8d44\u672c\u5229\u5f97\u7a0e\u3002\u5f53\u65f6\u7684\u5e94\u7eb3\u7a0e\u6bd4\u4f8b\uff08inclusion rate\uff09\u4e3a50%\uff0c\u4e5f\u5c31\u662f\u6295\u8d44\u6536\u76ca\u7684\u4e00\u534a\u9700\u8981\u7f34\u7a0e\u30021988\u5e74\uff0c\u4fdd\u5b88\u515a\u5c06\u8fd9\u4e00\u6bd4\u4f8b\u4e0a\u8c03\u81f366.67%\uff0c1990\u5e74\u518d\u6b21\u4e0a\u8c03\u81f375%\u3002\u6700\u540e\uff0c\u81ea\u7531\u515a\u653f\u5e9c\u5c06\u5e94\u7eb3\u7a0e\u6bd4\u4f8b\u6062\u590d\u81f350%\u5e76\u5ef6\u7eed\u81f3\u4eca\u3002<\/p>\n

\u5f88\u591a\u5df2\u7ecf\u7528\u5b8cTFSA\u4f9b\u6b3e\u989d\u5ea6\uff0c\u6216\u8005\u662fRRSP\u53d6\u6b3e\u9762\u4e34\u9ad8\u8fb9\u9645\u7a0e\u7387\u7684\u9000\u4f11\u6295\u8d44\u8005\u7684\u6536\u5165\u4f9d\u8d56\u4e8e\u975e\u6ce8\u518c\u8d44\u672c\u5229\u5f97\u3002\u5e94\u7eb3\u7a0e\u6bd4\u4f8b\u7684\u63d0\u9ad8\u5c06\u4e25\u91cd\u635f\u5bb3\u4ed6\u4eec\u7684\u9000\u4f11\u6536\u5165\u3002\u6709\u4eba\u5efa\u8bae\u4e0b\u8c03\u8d44\u672c\u5229\u5f97\u7684\u514d\u7a0e\u6bd4\u4f8b\uff0c\u6216\u8005\u662f\u8c03\u6574\u8d44\u672c\u5229\u5f97\u7684\u7ec8\u8eab\u514d\u7a0e\u95e8\u69db\uff0c\u4f46\u76ee\u524d\u8fd9\u4e9b\u90fd\u8fd8\u505c\u7559\u5728\u8ba8\u8bba\u9636\u6bb5\u3002<\/p>\n

4. \u4e3b\u8981\u4f4f\u6240\u5c06\u7ee7\u7eed\u514d\u7f34\u8d44\u672c\u589e\u503c\u7a0e\u5417\uff1f<\/h2>\n

\u6309\u7167\u73b0\u884c\u6cd5\u5f8b\u7684\u89c4\u5b9a\uff0c\u52a0\u62ff\u5927\u4eba\u51fa\u552e\u4e3b\u8981\u4f4f\u6240\u4ea7\u751f\u7684\u8d44\u672c\u5229\u5f97\u65e0\u9700\u7f34\u7eb3\u4efb\u4f55\u7a0e\u91d1\u3002\u5f88\u591a\u52a0\u62ff\u5927\u4eba\u90fd\u628a\u81ea\u5df1\u7684\u9000\u4f11\u50a8\u84c4\u90fd\u62bc\u5728\u4e86\u623f\u4ea7\u4e0a\uff0c\u7275\u6d89\u5229\u76ca\u91cd\u5927\uff0c\u56e0\u6b64\u4efb\u4f55\u60f3\u6253\u4e3b\u8981\u5c45\u6240\u514d\u7a0e\u653f\u7b56\u7684\u653f\u515a\u4e5f\u76f8\u5f53\u4e8e\u653f\u6cbb\u81ea\u6740\u3002<\/p>\n

\u4e0d\u8fc7\uff0c\u8fd9\u4e00\u5757\u7684\u6f5c\u5728\u7a0e\u6536\u89c4\u6a21\u9ad8\u8fbe\u6570\u5341\u4ebf\uff0c\u5bf9\u4e8e\u73b0\u5728\u6025\u9700\u8d44\u91d1\u7684\u653f\u5e9c\u6765\u8bf4\u8fd8\u662f\u5f88\u6709\u8bf1\u60d1\u529b\u7684\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

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