{"id":399242,"date":"2021-09-26T18:35:03","date_gmt":"2021-09-27T01:35:03","guid":{"rendered":"https:\/\/nai500.com\/?p=399242"},"modified":"2021-09-26T18:35:03","modified_gmt":"2021-09-27T01:35:03","slug":"%e5%8a%a0%e6%8b%bf%e5%a4%a7%e8%b5%84%e6%9c%ac%e5%88%a9%e5%be%97%e7%a8%8e-%e4%b8%8a%e8%b0%83-%e6%8a%95%e8%b5%84%e8%80%85-%e5%a6%82%e4%bd%95%e5%ba%94%e5%af%b9","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hans\/blog\/2021\/09\/%e5%8a%a0%e6%8b%bf%e5%a4%a7%e8%b5%84%e6%9c%ac%e5%88%a9%e5%be%97%e7%a8%8e-%e4%b8%8a%e8%b0%83-%e6%8a%95%e8%b5%84%e8%80%85-%e5%a6%82%e4%bd%95%e5%ba%94%e5%af%b9\/","title":{"rendered":"\u52a0\u62ff\u5927\u8d44\u672c\u5229\u5f97\u7a0e\u771f\u7684\u8981\u4e0a\u8c03\u4e86\u5417\uff1f\u6295\u8d44\u8005\u5e94\u5f53\u5982\u4f55\u5e94\u5bf9\uff1f"},"content":{"rendered":"<p>\u4e0a\u5468\u52a0\u62ff\u5927\u6539\u9009\u7ed3\u675f\uff0c\u81ea\u7531\u515a\u5c11\u6570\u653f\u5e9c\u8fd9\u4e00\u7ed3\u679c\u51e0\u4e4e\u662f\u201c\u539f\u5c01\u4e0d\u52a8\u201d\uff0c\u4f46\u8fd9\u4e5f\u7b97\u662f\u9009\u6c11\u5bf9\u4e8e\u653f\u5e9c\u65b0\u51a0\u75ab\u60c5\u5e94\u5bf9\u63aa\u65bd\u7684\u4e00\u79cd\u8ba4\u53ef\uff0c\u8fd9\u610f\u5473\u7740\u672a\u6765\u653f\u5e9c\u652f\u51fa\u53ea\u4f1a\u6709\u589e\u65e0\u51cf\u3002\u4e3a\u4e86\u8865\u5145\u653f\u5e9c\u6536\u5165\u7f3a\u53e3\uff0c\u589e\u7a0e\uff0c\u5c24\u5176\u662f\u4e0a\u8c03\u52a0\u62ff\u5927\u8d44\u672c\u5229\u5f97\u7a0e\u6210\u4e86\u5404\u653f\u515a\u7684\u589e\u6536\u76ee\u6807\u3002<\/p>\n<p>\u7ade\u9009\u671f\u95f4\uff0c\u7ee7\u7eed\u628a\u63e1\u6743\u529b\u5e73\u8861\u7684\u65b0\u6c11\u4e3b\u515a\u627f\u8bfa\u5c06\u628a\u8d44\u672c\u5229\u5f97\u7684\u5e94\u7eb3\u7a0e\u6bd4\u4f8b\u4ece\u73b0\u5728\u768450%\u4e0a\u8c03\u81f375%\u3002<\/p>\n<p>\u867d\u7136\u8fd9\u770b\u4e0a\u53bb\u50cf\u662f\u52a0\u62ff\u5927\u5de6\u503e\u653f\u515a\u63d0\u51fa\u7684\u201c\u5411\u5bcc\u4eba\u5f81\u7a0e\u201d\u653f\u7b56\uff0c\u4f46\u53cd\u800c\u662f\u53f3\u503e\u7684\u4fdd\u5b88\u515a\u57281988\u5e74\u5c06\u8d44\u672c\u5229\u5f97\u5e94\u7a0e\u6bd4\u4f8b\u4ece50%\u4e0a\u8c03\u81f366.67%\uff0c\u5e76\u4e14\u57281990\u5e74\u518d\u6b21\u4e0a\u8c03\u81f375%\u3002\u6700\u7ec8\u5c06\u8fd9\u4e00\u5e94\u7a0e\u6bd4\u4f8b\u56de\u8c03\u81f350%\u7684\u662f\u81ea\u7531\u515a\u653f\u5e9c\u3002<\/p>\n<p>\u52a0\u62ff\u5927\u8d44\u672c\u5229\u5f97\u7a0e\uff0c\u8fd9\u662f\u653f\u6cbb\u535a\u5f08\u7684\u4e00\u5927\u4e3b\u6218\u573a\u3002\u7a76\u5176\u539f\u56e0\uff0c\u8be5\u653f\u7b56\u5bf9\u4e8e\u5bcc\u4eba\u4ee5\u53ca\u673a\u6784\u6295\u8d44\u8005\u7684\u5f71\u54cd\u66f4\u4e3a\u660e\u663e\uff0c\u800c\u52a0\u62ff\u5927\u7684\u9000\u4f11\u50a8\u84c4\u578b\u6295\u8d44\u8005\u666e\u904d\u4f7f\u7528\u7684\u8d26\u6237\u662f<a href=\"https:\/\/nai500.com\/zh-hans\/blog\/2021\/06\/%e5%8a%a0%e6%8b%bf%e5%a4%a7-rrsp%e5%8f%96%e6%ac%be-%e8%a7%84%e5%88%99-%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a1%b9\/\">\u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\uff08RRSP\uff09<\/a>\u6216<a href=\"https:\/\/nai500.com\/zh-hans\/blog\/2021\/01\/tfsa-%e5%8a%a0%e6%8b%bf%e5%a4%a7-%e5%85%8d%e7%a8%8e%e5%82%a8%e8%93%84%e5%b8%90%e6%88%b7\/\">\u514d\u7a0e\u50a8\u84c4\u5e10\u6237\uff08TFSA\uff09<\/a>\uff0c\u800c\u8d44\u672c\u5229\u5f97\u7a0e\u5e76\u4e0d\u9002\u7528\u4e8e\u8fd9\u4e24\u4e2a\u8d26\u6237\u3002<\/p>\n<p>\u52a0\u62ff\u5927\u7a0e\u52a1\u5c40\uff08CRA\uff09\u7684\u6570\u636e\u663e\u793a\uff0c\u7528\u6ee1RRSP\u548cTFSA\u4f9b\u6b3e\u989d\u5ea6\u7684\u7eb3\u7a0e\u4eba\u6bd4\u4f8b\u8fd8\u4e0d\u523010%\uff0c\u8fd9\u610f\u5473\u7740\u8d85\u8fc790%\u7684\u7eb3\u7a0e\u4eba\u62e5\u6709\u5927\u91cf\u7684\u8d44\u672c\u5229\u5f97\u7a0e\u907f\u7a0e\u7a7a\u95f4\u3002<\/p>\n<p>\u5982\u679c\u4f60\u901a\u8fc7\u975e\u6ce8\u518c\u8d26\u6237\u8fdb\u884c\u80a1\u7968\u4ea4\u6613\u548c\u6295\u8d44\uff0c\u53c8\u62c5\u5fc3\u8d44\u672c\u5229\u5f97\u7a0e\u5e94\u7a0e\u6bd4\u4f8b\u5c06\u4f1a\u4e0a\u8c03\uff0c\u53ef\u4ee5\u9009\u62e9\u73b0\u5728\u5356\u51fa\uff0c\u6309\u716750%\u7684\u5e94\u7a0e\u6bd4\u4f8b\u4ea4\u5b8c\u7a0e\uff0c\u7136\u540e\u5c06\u73b0\u91d1\u653e\u5165\u4e00\u4e2a\u6ce8\u518c\u8d26\u6237\u3002\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u5356\u51fa\u80a1\u7968\u4ea7\u751f\u7684\u8d44\u672c\u635f\u5931\u53ef\u4ee5\u62b5\u6d88\u8d44\u672c\u5229\u5f97\u7a0e\uff0c\u56e0\u6b64\u4e0d\u7528\u987e\u8651\u5356\u51fa\u6d6e\u4e8f\u7684\u80a1\u7968\u3002<\/p>\n<p>\u5728\u52a0\u62ff\u5927\uff0c\u5b58\u653e\u8fd9\u7b14\u73b0\u91d1\u6700\u597d\u7684\u6ce8\u518c\u8d26\u6237\u662fTFSA\uff0c\u539f\u56e0\u662f\u8be5\u8d26\u6237\u6c38\u8fdc\u90fd\u4e0d\u4f1a\u88ab\u5f81\u6536\u8d44\u672c\u5229\u5f97\u7a0e\u3002<\/p>\n<p>\u9996\u5148\uff0c\u4f60\u8981\u786e\u4fdd\u81ea\u5df1\u7684TFSA\u6709\u8db3\u591f\u7684\u4f9b\u6b3e\u989d\u5ea6\u30022009\u5e74\u5e74\u6ee118\u5c81\u7684\u52a0\u62ff\u5927\u4eba\u76ee\u524d\u7d2f\u79ef\u7684\u603b\u7684\u4f9b\u6b3e\u989d\u5ea6\u5df2\u8fbe$7.55\u4e07\u3002<a href=\"https:\/\/nai500.com\/zh-hans\/blog\/2020\/11\/2021%e5%b9%b4-tfsa%e9%a2%9d%e5%ba%a6\/\">2021\u5e74\uff0cTFSA\u7684\u4f9b\u6b3e\u989d\u5ea6\u63d0\u9ad8\u4e86$6000<\/a>\uff0c\u5e76\u4e14\u9884\u8ba1\u660e\u5e741\u6708\u8fd8\u5c06\u7ee7\u7eed\u4e0a\u8c03\u81f3\u5c11$6000\u3002<\/p>\n<p>\u9664\u6b64\u4e4b\u5916\uff0cRRSP\u4e5f\u662f\u4e00\u4e2a\u4e0d\u9519\u7684\u9009\u62e9\u3002\u8fd9\u4e9b\u4f9b\u6b3e\u53ef\u4ee5\u6263\u51cf\u4f60\u5f53\u524d\u7684\u5e94\u7eb3\u7a0e\u6536\u5165\uff0c\u9000\u4f11\u524d\u8d26\u6237\u91cc\u7684\u6295\u8d44\u90fd\u4e0d\u7528\u4ea4\u7a0e\u3002<\/p>\n<p>\u4e0d\u8fc7\u8ddfTFSA\u4e0d\u4e00\u6837\u7684\u662f\uff0cRRSP\u53d6\u6b3e\u65f6\u5176\u5b9e\u662f\u8981\u5168\u989d\u5f81\u7a0e\u7684\u3002\u5982\u679c\u4f60\u7684RRSP\u5b58\u6b3e\u592a\u591a\uff0c\u53ef\u80fd\u5c06\u88ab\u8feb\u4ee5\u5f88\u9ad8\u7684\u8fb9\u9645\u7a0e\u7387\u53d6\u6b3e\uff0c\u5982\u679c\u6536\u5165\u592a\u9ad8\uff0c\u751a\u81f3\u8001\u5e74\u4fdd\u969c\u91d1\u8ba1\u5212\uff08OAS\uff09\u7684\u517b\u8001\u91d1\u4e5f\u4f1a\u51cf\u5c11\u3002\u8981\u907f\u514dRRSP\u8d85\u989d\u4f9b\u6b3e\u60c5\u51b5\u7684\u51fa\u73b0\uff0c\u6295\u8d44\u8005\u5e94\u5f53\u4f18\u5148\u4f7f\u7528TFSA\u7684\u4f9b\u6b3e\u989d\u5ea6\uff0c\u6216\u8005\u662f\u53ea\u5728\u9000\u4f11\u540e\u7a0e\u7387\u66f4\u4f4e\u7684\u65f6\u5019\u624d\u4eceRRSP\u8d26\u6237\u4e2d\u53d6\u6b3e\u3002<\/p>\n<p>\u9664\u4e86TFSA\u548cRRSP\uff0c\u52a0\u62ff\u5927\u8fd8\u6709\u5176\u4ed6\u63d0\u4f9b\u8d44\u672c\u5229\u5f97\u907f\u7a0e\u7684\u6ce8\u518c\u6295\u8d44\u8d26\u6237\uff0c\u5176\u4e2d\u5305\u62ec<a href=\"https:\/\/nai500.com\/zh-hans\/blog\/2021\/05\/%E5%8A%A0%E6%8B%BF%E5%A4%A7%E6%B3%A8%E5%86%8C%E6%95%99%E8%82%B2%E5%82%A8%E8%93%84%E8%AE%A1%E5%88%92-resp\/\">\u6ce8\u518c\u6559\u80b2\u50a8\u84c4\u8ba1\u5212\uff08RESP\uff09<\/a>\u3002RESP\u9488\u5bf9\u7684\u662f\u5b50\u5973\u4e2d\u5b66\u540e\u7684\u6559\u80b2\u6210\u672c\uff0c\u540c\u65f6\u8fd8\u80fd\u83b7\u5f97\u653f\u5e9c\u7684\u8865\u52a9\u91d1\u3002\u53e6\u5916\uff0c\u65e8\u5728\u5e2e\u52a9\u6b8b\u969c\u4eba\u58eb\u7684\u6ce8\u518c\u6b8b\u75be\u50a8\u84c4\u8ba1\u5212\uff08RDSP\uff09\u4e5f\u8d77\u5230\u7c7b\u4f3c\u7684\u4f5c\u7528\u3002<\/p>\n<p>\u503c\u5f97\u4e00\u63d0\u7684\u662f\uff0c\u6b64\u6b21\u81ea\u7531\u515a\u7684\u7ade\u9009\u627f\u8bfa\u5f53\u4e2d\u8fd8\u63d0\u5230\u4e86<a href=\"https:\/\/nai500.com\/zh-hans\/blog\/2021\/08\/%E6%A5%BC%E5%B8%82%E7%89%88tfsa%EF%BC%9F%E5%B8%A6%E6%82%A8%E4%BA%86%E8%A7%A3%E5%8A%A0%E6%8B%BF%E5%A4%A7%E9%A6%96%E5%A5%97%E6%88%BF%E5%82%A8%E8%93%84%E8%B4%A6%E6%88%B7fhsa\/\">\u53e6\u4e00\u4e2a\u6ce8\u518c\u6295\u8d44\u8d26\u6237\u2014\u2014\u9996\u5957\u623f\u50a8\u84c4\u8d26\u6237\uff08FHSA\uff09<\/a>\u3002FHSA\u4e3b\u8981\u7528\u4e8e\u9996\u5957\u623f\u4e70\u5bb6\u7684\u9996\u4ed8\u5b58\u6b3e\u3002\u53ea\u8981\u662f\u5e74\u6ee140\u5c81\u7684\u52a0\u62ff\u5927\u4eba\uff0c\u90fd\u53ef\u4ee5\u5411\u8be5\u8d26\u6237\u6700\u9ad8\u4f9b\u6b3e$4\u4e07\uff0c\u4f9b\u6b3e\u6216\u53d6\u6b3e\u65f6\u90fd\u65e0\u9700\u7f34\u7a0e\u3002<\/p>\n<p>FHSA\u76f8\u5f53\u4e8e\u662fRRSP\u548cTFSA\u7684\u5b8c\u7f8e\u7ec4\u5408\uff0c\u4f46\u76ee\u524d\u4e3a\u6b62\u8fd9\u8fd8\u53ea\u662f\u4e00\u4e2a\u7ade\u9009\u627f\u8bfa\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4e0a\u5468\u52a0\u62ff\u5927\u6539\u9009\u7ed3\u675f\uff0c\u81ea\u7531\u515a\u5c11\u6570\u653f\u5e9c\u8fd9\u4e00\u7ed3\u679c\u51e0\u4e4e\u662f\u201c\u539f\u5c01\u4e0d\u52a8\u201d\uff0c\u4f46\u8fd9\u4e5f\u7b97\u662f\u9009\u6c11\u5bf9\u4e8e\u653f\u5e9c\u65b0\u51a0\u75ab\u60c5\u5e94\u5bf9\u63aa\u65bd\u7684\u4e00\u79cd\u8ba4\u53ef [&hellip;]<\/p>\n","protected":false},"author":27,"featured_media":399243,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[430],"tags":[],"class_list":["post-399242","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trends-strategies-zh-hans","sectors-1602","sectors-financial-products-zh-hans","locations-canada-zh-hans"],"acf":[],"_links":{"self":[{"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/posts\/399242","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\/27"}],"replies":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/comments?post=399242"}],"version-history":[{"count":0,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/posts\/399242\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/media\/399243"}],"wp:attachment":[{"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/media?parent=399242"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/categories?post=399242"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nai500.com\/zh-hans\/wp-json\/wp\/v2\/tags?post=399242"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}