{"id":211030,"date":"2018-02-13T19:00:05","date_gmt":"2018-02-14T03:00:05","guid":{"rendered":"https:\/\/nai500.com\/?p=211030"},"modified":"2018-05-18T10:36:23","modified_gmt":"2018-05-18T17:36:23","slug":"rrsp%e6%b3%a8%e5%86%8c%e9%80%80%e4%bc%91%e5%84%b2%e8%93%84%e8%a8%88%e5%8a%83%e5%92%8ctfsa%e5%85%8d%e7%a8%85%e5%84%b2%e8%93%84%e8%b3%ac%e6%88%b6","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hant\/blog\/2018\/02\/rrsp%e6%b3%a8%e5%86%8c%e9%80%80%e4%bc%91%e5%84%b2%e8%93%84%e8%a8%88%e5%8a%83%e5%92%8ctfsa%e5%85%8d%e7%a8%85%e5%84%b2%e8%93%84%e8%b3%ac%e6%88%b6\/","title":{"rendered":"\u52a0\u62ff\u5927\u65b0\u79fb\u6c11\u6295\u8cc7\u7406\u8ca1: RRSP\u6ce8\u518c\u9000\u4f11\u5132\u84c4\u8a08\u5283\u548cTFSA\u514d\u7a05\u5132\u84c4\u8cec\u6236"},"content":{"rendered":"

RRSP<\/em>\u8a3b\u518a\u9000\u4f11\u5132\u84c4\u8a08\u5283\u5b63\u6b63\u5728\u9032\u884c\u4e2d\uff01<\/em> \u6211\u5011\u7684\u8a31\u591a\u8b80\u8005\u90fd\u662f\u525b\u4f86\u5230\u52a0\u62ff\u5927\u7684\u65b0\u79fb\u6c11\uff0c\u4ed6\u5011\u5c0d\u7d0d\u7a05\u8a08\u5283\u7684\u57fa\u672c\u77e5\u8b58\u6709\u8af8\u591a\u56f0\u60d1\u3002<\/em>\u6211\u5011\u7684\u65b0\u64b0\u7a3f\u4eba\u3001CFA\u8a3b\u518a\u91d1\u878d\u5206\u6790\u5e2b\u3001BMO Nesbitt Burns<\/em>\u6295\u8cc7\u9867\u554fJoseph Tang<\/em>\u5728\u4e0b\u6587\u4e2d\u7e3d\u7d50\u4e86TFSA\u514d\u7a05\u5132\u84c4\u8cec\u6236<\/a><\/em>\u8207RRSP<\/em><\/a>\u8a3b\u518a\u9000\u4f11\u5132\u84c4\u8a08\u5283\u7684\u5340\u5225\u3002<\/em><\/p>\n

\u67e5\u770b\u7c21\u9ad4\u4e2d\u6587\u7248\u672c\uff0c\u8acb\u9ede\u64ca\u6b64\u8655<\/a>\uff01<\/em><\/p>\n

 <\/p>\n

\u81ea2009\u5e74\u63a8\u51faTFSA\u514d\u7a05\u5132\u84c4\u8cec\u6236<\/a>\u4ee5\u4f86\uff0c\u4e00\u76f4\u6709\u4eba\u5c07\u5b83\u8207RRSP\u8a3b\u518a\u9000\u4f11\u5132\u84c4\u8a08\u5283<\/a>\u9032\u884c\u5c0d\u6bd4\uff0c\u5e76\u8a0e\u8ad6\u54ea\u4e00\u500b\u66f4\u52a0\u5408\u9069\u4ee5\u53ca\u6536\u76ca\u5c07\u66f4\u5927\u3002\u4e8c\u8005\u6709\u8457\u7368\u7279\u7684\u512a\u9ede\u548c\u7279\u8272\u3002\u6b64\u5916\uff0c\u5c0d\u500b\u4eba\u662f\u5426\u5408\u9069\uff0c\u53d6\u6c7a\u65bc\u81ea\u8eab\u7684\u5177\u9ad4\u8ca1\u52d9\u60c5\u6cc1\u548c\u76ee\u6a19\u3002<\/p>\n

\u70ba\u4e86\u5e6b\u52a9\u6211\u5011\u66f4\u597d\u5730\u7406\u89e3TFSA\u548cRRSP\uff0c\u4e0b\u9762\u6211\u5c07\u8a73\u7d30\u5217\u51fa\u4e8c\u8005\u7684\u76f8\u4f3c\u4e4b\u8655\u548c\u5dee\u7570\u3002<\/p>\n

RRSP<\/strong>\u548c<\/strong>TFSA<\/strong>\u7684\u76f8\u4f3c\u4e4b\u8655<\/strong><\/h4>\n
    \n
  1. \u6301\u6709\u7684\u6295\u8cc7\u985e\u578b<\/strong> \u2013TFSA\u548cRRSP\u6301\u6709\u7684\u6295\u8cc7\u985e\u578b\u53ef\u4ee5\u662f\u4e00\u6a23\u7684\u3002\u6211\u5011\u53ef\u4ee5\u901a\u904e\u9019\u5169\u500b\u8cec\u6236\u5be6\u65bd\u540c\u6a23\u7684\u6295\u8cc7\u7b56\u7565\u4ee5\u53ca\u6295\u8cc7\u540c\u6a23\u7684\u89e3\u6c7a\u65b9\u6848\u3002\u6301\u6709\u7684\u5171\u540c\u6295\u8cc7\u985e\u578b\u70ba\u500b\u80a1\u3001\u50b5\u5238\u3001\u4ea4\u6613\u6240\u4ea4\u6613\u57fa\u91d1\u4ee5\u53ca\u5171\u540c\u57fa\u91d1\u3002<\/li>\n
  2. \u6295\u8cc7\u6536\u76ca\u514d\u7a05<\/strong> \u2013 <\/strong>\u6211\u5011\u901a\u904e\u9019\u4e9b\u8cec\u6236\u7372\u5f97\u7684\u56de\u5831\u514d\u7a05\u3002\u4f8b\u5982\uff0c\u5982\u679c\u6211\u5011\u901a\u904eTFSA\u6216RRSP\u8cec\u6236\u6295\u8cc7\u201c\u5e73\u8861\u8cc7\u7522\u914d\u7f6e\u7d44\u5408\u201d\u4e26\u7372\u5f976%\u7684\u6536\u76ca\uff0c\u90a3\u9ebc\u6211\u5011\u5c07\u5728\u8cec\u6236\u4e2d\u4fdd\u6301\u9019\u4e00\u6536\u76ca\u3002\u8207\u4e4b\u76f8\u5c0d\uff0c\u5047\u5982\u6211\u5011\u901a\u904e\u975e\u8a3b\u518a\u8cec\u6236\u7372\u5f976%\u7684\u6536\u76ca\uff0c\u7a05\u7387\u70ba20%\uff0c\u90a3\u9ebc\u6211\u5011\u7684\u8cec\u6236\u4e2d\u50c5\u50c5\u5c07\u4fdd\u75594.8%\uff086% x 80%\uff09\u7684\u6536\u76ca\u3002<\/li>\n
  3. \u6307\u5b9a\u53d7\u76ca\u4eba \u2013<\/strong> \u901a\u904e\u9019\u5169\u7a2e\u8cec\u6236\u6295\u8cc7\u8005\u90fd\u53ef\u4ee5\u6307\u5b9a\u53d7\u76ca\u4eba\u3002\u9019\u70ba\u8cc7\u7522\u8f49\u79fb\u7d66\u914d\u5076\u3001\u5b69\u5b50\u3001\u6148\u5584\u7d44\u7e54\u7b49\u63d0\u4f9b\u4e86\u65b9\u4fbf\u3002<\/li>\n<\/ol>\n

    RRSP<\/strong>\u548c<\/strong>TFSA<\/strong>\u7684\u5340\u5225<\/strong><\/h4>\n
      \n
    1. \u6295\u653e\u8cc7\u91d1\u53ef\u62b5\u6263\u7a05<\/strong> \u2013 \u5728RRSP\u8cec\u6236\u4e2d\u6295\u653e\u7684\u8cc7\u91d1\u53ef\u62b5\u6263\u7a05\u3002\u9019\u610f\u5473\u8457\u901a\u904e\u6295\u653e\u5230RRSP\u8cec\u6236\u7684\u8cc7\u91d1\u53ef\u6e1b\u5c11\u61c9\u7a05\u6536\u5165\u91d1\u984d\u3002\u4f8b\u5982\uff0c\u5982\u679c\u4f60\u7684\u5e74\u6536\u5165\u70ba$50,000\uff0c$8,000\u5b58\u653e\u65bcRRSP\u8cec\u6236\u4e2d\uff0c\u90a3\u9ebc\u4f60\u7684\u61c9\u7a05\u6536\u5165\u5c07\u4e0d\u662f$50,000\uff0c\u800c\u662f$42,000\uff08$50,000 – $8,000\uff09\u3002\u8207\u6b64\u76f8\u5c0d\uff0c\u4f60\u6295\u653e\u65bcTFSA\u8cec\u6236\u4e2d\u7684\u8cc7\u91d1\u4e0d\u53ef\u62b5\u6263\u7a05\u3002<\/li>\n
    2. \u53d6\u6b3e\u7522\u751f\u7684\u7a05<\/strong> \u2013<\/strong>\u5f9eRRSP\u8cec\u6236\u4e2d\u53d6\u6b3e\u9700\u8981\u7e73\u7a05\u3002\u4f8b\u5982\uff0c\u5982\u679c\u4f60\u5f9eRRSP\u8cec\u6236\u4e2d\u53d6\u6b3e$10,000\uff0c\u7a05\u7387\u70ba20%\uff0c\u90a3\u9ebc\u4f60\u5230\u624b\u7684\u9322\u53ea\u6709$8,000\uff08$10,000 x 80%\uff09\u3002\u4e0d\u904e\uff0c\u5982\u679c\u4f60\u5f9eTFSA\u8cec\u6236\u4e2d\u53d6\u8d70$10,000\uff0c\u90a3\u9ebc\u4f60\u5230\u624b\u5c31\u662f$10,000\u3002<\/li>\n
    3. \u8cc7\u91d1\u6295\u653e\u9650\u5236<\/strong> \u2013<\/strong> \u622a\u81f32018\u5e74\uff0c2009\u5e74\u4ee5\u524d\u5df2\u6eff18\u6b72\u7684\u4efb\u4f55\u4eba\u4e00\u751f\u4e4b\u4e2d\u6295\u653e\u5230TFSA\u8cec\u6236\u7684\u8cc7\u91d1\u9650\u5236\u70ba$57,500\uff08\u5047\u8a2d\u500b\u4eba\u5f9e\u672a\u5728\u8a72\u8cec\u6236\u4e2d\u6295\u5165\u8cc7\u91d1\uff09\u3002\u6309\u5e74\u4f86\u770b\uff0c\u653f\u5e9c\u6bcf\u5e74\u5c07\u9650\u984d\u589e\u52a0$5,500\u3002\u96a8\u8457\u8cc7\u91d1\u6295\u653e\u5230\u8cec\u6236\u4e2d\uff0c\u9650\u984d\u88ab\u4f7f\u7528\u5e76\u96a8\u4e4b\u6e1b\u5c11\u3002\u4e0d\u904e\uff0c\u5047\u5982\u4f60\u5f9e\u8cec\u6236\u4e2d\u53d6\u8d70\u8cc7\u91d1\uff0c\u90a3\u9ebc\u4f60\u5c07\u5728\u4e0b\u4e00\u5e74\u91cd\u65b0\u4eab\u53d7\u9650\u984d\u3002RRSP \u8cec\u6236\u7684\u8cc7\u91d1\u6295\u653e\u9650\u5236\u6309\u7167\u500b\u4eba\u4e00\u5b9a\u6642\u671f\u7684\u5c31\u696d\u6536\u5165\u8a08\u7b97\u3002\u6240\u8cfa\u7684\u5c31\u696d\u6536\u5165\u53ef\u4ee5\u63d0\u9ad8\u9650\u5236\uff0c\u800c\u5c07\u8cc7\u91d1\u6295\u653e\u5230RRSP \u8cec\u6236\u4e2d\uff0c\u5c07\u4f7f\u9650\u984d\u6e1b\u5c11\u3002\u9650\u984d\u6e1b\u5c11\u662f\u6c38\u4e45\u6027\u7684\uff0c\u76f4\u5230\u4e00\u5b9a\u6642\u671f\u6240\u8cfa\u53d6\u7684\u5c31\u696d\u6536\u5165\u4f7f\u9650\u984d\u63d0\u9ad8\u3002<\/li>\n
    4. \u76ee\u7684\u2013 <\/strong>\u4e00\u822c\u4f86\u8aaa\u4eba\u5011\u4f7f\u7528RRSP\u8cec\u6236\u7684\u76ee\u7684\u662f\u7528\u65bc\u9000\u4f11\u8a08\u5283\u3002\u7136\u800c\uff0c\u5b83\u4e5f\u53ef\u7528\u65bc\u201c\u8cfc\u623f\u8005\u8a08\u5283\u201d\u6216\u201c\u7d42\u8eab\u5b78\u7fd2\u8a08\u5283\u201d\uff08\u6211\u5011\u5c07\u5728\u672a\u4f86\u7684\u6587\u7ae0\u4e2d\u8a0e\u8ad6\u9019\u4e9b\u8a71\u984c\uff09\u3002\u8207\u4e4b\u76f8\u5c0d\uff0cTFSA\u8cec\u6236\u7531\u65bc\u53d6\u6b3e\u514d\u7a05\uff0c\u4eba\u5011\u5c07\u5b83\u7528\u65bc\u652f\u4ed8\u9996\u4ed8\u3001\u9000\u4f11\u3001\u65c5\u884c\u548c\u8d08\u4e88\u7b49\u591a\u500b\u76ee\u7684\u3002<\/li>\n<\/ol>\n

      \u4f7f\u7528RRSP\u9084\u662fTFSA\uff08\u6216\u8005\u4e8c\u8005\u517c\u5099\uff09\u4e0d\u80fd\u4e00\u6982\u800c\u8ad6\u3002\u5fc5\u9808\u6839\u64da\u6bcf\u500b\u5ba2\u6236\u7684\u5177\u9ad4\u60c5\u6cc1\uff0c\u53d6\u6c7a\u65bc\u4ed6\u5011\u7684\u8ca1\u52d9\u60c5\u6cc1\u3002 \u7136\u800c\uff0c\u96a8\u8457\u6642\u9593\u63a8\u79fb\u6210\u529f\u5efa\u7acb\u8ca1\u5bcc\u7684\u95dc\u9375\u5728\u65bc\u2014\u2014\u5728\u8ca1\u52d9\u898f\u5283\u4e2d\u990a\u6210\u826f\u597d\u7684\u5132\u84c4\u7fd2\u6163\u3002\u9019\u662f\u6211\u5011\u5728\u5be6\u73fe\u81ea\u8eab\u8ca1\u52d9\u76ee\u6a19\u6642\u7684\u4e00\u500b\u53ef\u63a7\u56e0\u7d20\uff01<\/p>\n

       <\/p>\n

      \"NAI500<\/a><\/p>\n

      \u9127\u6c38\u5b97<\/strong>\u662fBMO Nesbitt Burns\u7684\u6295\u8cc7\u9867\u554f\uff0c\u7372\u5f97CFA\u8a3b\u518a\u91d1\u878d\u5206\u6790\u5e2b\u8cc7\u683c\uff0c\u64c1\u6709\u5341\u5e74\u591a\u7684\u91d1\u878d\u884c\u696d\u5f9e\u696d\u7d93\u9a57\uff0c\u81f4\u529b\u65bc\u70ba\u5ba2\u6236\u63d0\u4f9b\u7d9c\u5408\u7684\u8ca1\u5bcc\u7ba1\u7406\u7b56\u7565\u548c\u5b9a\u5236\u5316\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u7be4\u4fe1\u57fa\u672c\u9762\u6295\u8cc7\u548c\u9069\u61c9\u4e0d\u65b7\u8b8a\u5316\u7d93\u6fdf\u5f62\u52e2\u7684\u4e3b\u52d5\u8cc7\u7522\u7ba1\u7406\u3002\u6b64\u5916\uff0c\u5c0d\u4e0d\u540c\u8cc7\u7522\u985e\u5225\u3001\u884c\u696d\u548c\u570b\u5bb6\u7684\u9069\u7576\u591a\u5143\u5316\u6295\u8cc7\u4e5f\u662f\u672a\u4f86\u5176\u70ba\u5ba2\u6236\u63d0\u4f9b\u6301\u7e8c\u8ca1\u5bcc\u589e\u9577\u7684\u95dc\u9375\u3002<\/p>\n

      \u60a8\u53ef\u4ee5\u901a\u904e\u53f3\u65b9\u90f5\u4ef6\u806f\u7e6b\u9127\u6c38\u5b97<\/strong>:\u00a0joseph.tang@nbpcd.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

      RRSP\u8a3b\u518a\u9000\u4f11\u5132\u84c4\u8a08\u5283\u5b63\u6b63\u5728\u9032\u884c\u4e2d\uff01 \u6211\u5011\u7684\u8a31\u591a\u8b80\u8005\u90fd\u662f\u525b\u4f86\u5230\u52a0\u62ff\u5927\u7684\u65b0\u79fb\u6c11\uff0c\u4ed6\u5011\u5c0d\u7d0d\u7a05\u8a08\u5283\u7684\u57fa\u672c\u77e5\u8b58\u6709\u8af8\u591a […]<\/p>\n","protected":false},"author":32,"featured_media":211027,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[426,867],"tags":[],"class_list":["post-211030","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market-news-zh-hant","category-featured-zh-hant","sectors-financial-products-zh-hant"],"acf":[],"_links":{"self":[{"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/posts\/211030","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/users\/32"}],"replies":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/comments?post=211030"}],"version-history":[{"count":0,"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/posts\/211030\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/media\/211027"}],"wp:attachment":[{"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/media?parent=211030"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/categories?post=211030"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/tags?post=211030"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}