{"id":319277,"date":"2020-02-24T22:14:27","date_gmt":"2020-02-25T06:14:27","guid":{"rendered":"https:\/\/nai500.com\/blog\/2020\/02\/%e5%8d%83%e7%a6%a7%e4%b8%80%e4%bb%a3%e7%90%86%e8%b4%a2-tfsa-%e7%99%be%e4%b8%87%e8%b4%a2%e5%af%8c\/"},"modified":"2020-02-24T22:14:47","modified_gmt":"2020-02-25T06:14:47","slug":"%e5%8d%83%e7%a6%a7%e4%b8%80%e4%bb%a3%e7%90%86%e8%b2%a1-tfsa-%e7%99%be%e8%90%ac%e8%b2%a1%e5%af%8c","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hant\/blog\/2020\/02\/%e5%8d%83%e7%a6%a7%e4%b8%80%e4%bb%a3%e7%90%86%e8%b2%a1-tfsa-%e7%99%be%e8%90%ac%e8%b2%a1%e5%af%8c\/","title":{"rendered":"\u5343\u79a7\u4e00\u4ee3\u7406\u8ca1\uff1a\u8d8a\u65e9\u6295\u8cc7TFSA\uff0c\u8d8a\u65e9\u5be6\u73fe\u767e\u842c\u8ca1\u5bcc\u5922\u60f3"},"content":{"rendered":"

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\u6ce8\u518c\u9000\u4f11\u5132\u84c4\u8a08\u5283\uff08RRSP\uff09\u5b58\u6b3e\u6642\u53ef\u9000\u7a05\uff0c\u4f46\u53d6\u6b3e\u6642\u653f\u5e9c\u8981\u5fb5\u6536\u5927\u7d0430%\u81f340%\u7684\u7a05\u6536\u3002\u76f8\u6bd4\u4e4b\u4e0b\uff0cTFSA\u7684\u6295\u8cc7\u6536\u76ca\u548c\u53d6\u6b3e\u90fd\u514d\u7a05\uff0c\u652f\u53d6\u9748\u6d3b\u6027\u66f4\u5927\uff0c\u53ef\u8aaa\u662f\u771f\u6b63\u610f\u7fa9\u4e0a\u7684\u514d\u7a05\u5132\u84c4\u8cec\u6236\u3002\u5982\u679c\u4f60\u6bcf\u5e74\u90fd\u5411TFSA\u4f9b\u6b3e\uff0c\u6309\u71674.7%\u7684\u6536\u76ca\u7387\uff0c\u9000\u4f11\u5f8c\u4f60\u53ef\u4ee5\u6bcf\u5e74\u7372\u5f97$55,000\u7684\u6536\u5165\uff0c\u800c\u4e14\u53ef\u4ee5\u9023\u7e8c\u62ff25\u5e74\uff01<\/p>\n

\u4e0d\u904e\u8981\u5be6\u73fe\u9019\u4e00\u76ee\u6a19\u7684\u95dc\u9375\u662f\u5118\u65e9\u958b\u59cb\u5132\u84c4\u548c\u6295\u8cc7\uff0c\u6700\u597d\u662f\u572818\u6b72\u9054\u5230TFSA\u4f9b\u6b3e\u7684\u6700\u4f4e\u5e74\u9f61\u6642\u5c31\u958b\u59cb\u3002\u6bcf\u5e741\u67081\u65e5\u5411TFSA\u4f9b\u6b3e$6,000\uff08\u4f9b\u6b3e\u4e0a\u9650\uff0c\u6839\u64da\u901a\u8139\u7387\u9032\u884c\u8abf\u6574\uff09\uff0c\u6301\u7e8c47\u5e74\uff0c\u4e5f\u5c31\u662f\u5230\u4f6065\u6b72\u7684\u6642\u5019\uff0c\u4f60\u7684\u7e3d\u4f9b\u6b3e\u984d\u7232$282,000\u3002<\/p>\n

\u4e0d\u904e\uff0c\u9019\u53ea\u662f\u4f60\u7684\u672c\u91d1\u3002\u901a\u904e\u5408\u7406\u6295\u8cc7\u80a1\u7968\u3001\u50b5\u5238\u4ee5\u53caETFs\uff0c\u4f60\u7684\u5e73\u8861\u578b\u6295\u8cc7\u7d44\u5408\u53ef\u4ee5\u5be6\u73fe$100\u842c\u7684\u6295\u8cc7\u76ee\u6a19\u3002\u6309\u7167TriDelta Financial Partners\u7684\u526f\u7e3d\u88c1\u548c\u8ca1\u5bcc\u9867\u554fMatthew Ardrey\u7684\u4f30\u7b97\uff0c\u5982\u679c\u5e74\u6536\u76ca\u7387\u662f5%\uff0c\u5be6\u73fe\u9019\u4e00\u76ee\u6a19\u9700\u898145\u5e74\uff0c\u5982\u679c\u662f6%\u7684\u6536\u76ca\u7387\uff0c\u9700\u898137\u5e74\uff0c\u5982\u679c\u662f8%\u5c07\u53ea\u970034\u5e74\u3002\u5982\u679c\u4e00\u500b\u6295\u8cc7\u8005\u5177\u5099\u8db3\u591f\u7684\u98a8\u96aa\u627f\u53d7\u80fd\u529b\uff0c\u80fd\u591f\u8de8\u8d8a\u6240\u6709\u725b\u5e02\u548c\u718a\u5e02\u5805\u6301\u4e00\u500b\u7684\u6295\u8cc7\u8a08\u5283\uff0c\u9577\u671f8%\u7684\u5e74\u6536\u76ca\u7387\u5176\u5be6\u9084\u662f\u80fd\u591f\u5be6\u73fe\u7684\u3002<\/p>\n

\"\"<\/p>\n

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\u6709\u8b49\u64da\u986f\u793a\uff0c\u5927\u591a\u6578\u52a0\u62ff\u5927\u4eba\u90fd\u80fd\u5411TFSA\u4f9b\u6b3e\uff0c\u5373\u4f7f\u4ee3\u50f9\u662fRRSP\u4f9b\u6b3e\u7684\u51cf\u5c11\u3002\u8499\u7279\u5229\u723e\u9280\u884c\uff08BMO\uff09\u6700\u65b0\u7684TFSA\u8abf\u67e5\u986f\u793a\uff0c66%\u7684\u52a0\u62ff\u5927\u4eba\u64c1\u6709TFSA\u8cec\u6236\uff0c\u5e73\u5747\u4f9b\u6b3e\u984d\u5f9e2018\u5e74\u7684$4,826\u5347\u81f3$5,332\u3002\u5e73\u5747\u9918\u984d\u5f9e$27,053\u5347\u81f3$28,214\u3002<\/p>\n

Doherty & Bryant Financial Strategists\u7684\u8ca1\u52d9\u898f\u5283\u5e2bAaron Hector\u8868\u793a\uff0c\u5343\u79a7\u4e00\u4ee3\u53ef\u4ee5\u63d0\u524d\u958b\u59cb\u5b58\u6b3e\uff0c\u7b49\u5f8518\u6b72\u6642\u4e00\u6b21\u6027\u5168\u984d\u4f9b\u6b3e$6,000\uff0c\u800c\u4e0d\u662f\u6bcf\u6708\u5b58\u5165$500\uff0c\u9019\u6a23\u53ef\u4ee5\u66f4\u65e9\u4eab\u53d7\u5230\u8907\u5229\u3002TFSA\u7684\u4f9b\u6b3e\u4e0a\u9650\u6839\u64da\u901a\u8139\u7387\u63d0\u9ad8\u4e86$500\uff0c\u56e0\u6b64Hector\u4f30\u8a08\uff0c\u6309\u71672%\u7684\u901a\u8139\u7387\uff0c\u6211\u5011\u53ef\u4ee5\u9810\u671f\u4f9b\u6b3e\u4e0a\u9650\u6bcf4\u5e74\u53ef\u80fd\u6703\u8abf\u53471\u6b21\uff0c\u96a8\u8457\u4f9b\u6b3e\u984d\u7684\u4e0d\u65b7\u589e\u9577\uff0c\u4e0a\u8abf\u6642\u9593\u5468\u671f\u6216\u5c07\u7e2e\u77ed\u81f32\u52303\u5e74\u3002\u6309\u7167\u9019\u4e00\u9810\u6e2c\uff0c\u7b49\u5230\u73fe\u572818\u6b72\u7684\u5e74\u8f15\u4eba\u5230\u4e8665\u6b72\uff0c\u6bcf\u5e74\u7684\u4f9b\u6b3e\u984d\u5c07\u9ad8\u9054$15,500\u3002<\/p>\n

\u96d6\u7136\u6211\u5011\u5efa\u8b70\u6295\u8cc7\u8005\u6301\u6709RESP\u3001RRSP\u548cTFSA\u7684\u6230\u7565\u7d44\u5408\uff0c\u4f46\u55ae\u7d14\u5c31$100\u842c\u7684\u8cc7\u7523\u589e\u503c\u7af6\u8cfd\u800c\u8a00\uff0cTFSA\u53ef\u80fd\u662f\u6700\u5feb\u6700\u65b9\u4fbf\u7684\u4e00\u689d\u8cfd\u9053\u3002\u4e0d\u904e\u4ed6\u4e5f\u8b66\u544a\u7a31\uff0c\u653f\u5e9c\u7684\u653f\u7b56\u5b58\u5728\u8457\u4e0d\u78ba\u5b9a\u6027\uff0c\u6bd4\u5982\u4e4b\u524d\u7684\u54c8\u73c0\u653f\u5e9c\u5c07TFSA\u7684\u5b58\u6b3e\u4e0a\u9650\u63d0\u9ad8\u81f3$10,000\uff0c\u4f46\u7279\u9b6f\u591a\u4e0a\u4efb\u5f8c\u53c8\u5c07\u9019\u4e00\u4e0a\u9650\u4e0b\u8abf\u81f3$5,500\u3002<\/p>\n

\u6b64\u5916\uff0c\u50b5\u52d9\u7684\u511f\u9084\u61c9\u512a\u5148\u4e8e\u5411TFSA\u4f9b\u6b3e\u3002\u8cc7\u6df1\u8ca1\u52d9\u9867\u554f\u8868\u793a\uff0c\u6309\u7167GIC\u6295\u8cc73%\u7684\u6536\u76ca\u7387\uff0cTFSA\u8cec\u6236$6,000\u7684\u8cc7\u91d11\u5e74\u4e0b\u4f86\u53ea\u80fd\u7232\u4f60\u7bc0\u7701$72\u7684\u7a05\u6536\uff0c\u4f46\u5982\u679c\u4fe1\u7528\u5361\u903e\u671f$6,000\uff0829%\u7684\u5229\u7387\uff09\uff0c\u903e\u671f\u5229\u606f\u5c07\u9ad8\u9054$1,740\u3002\u56e0\u6b64\uff0c\u525b\u525b\u7562\u696d\u7684\u5b78\u751f\u61c9\u8a72\u9996\u5148\u511f\u9084\u5b78\u751f\u8cb8\u6b3e\u548c\u4fe1\u7528\u5361\u50b5\u52d9\u3002<\/p>\n

\u8499\u7279\u5229\u723e\u9280\u884c\u8ca1\u5bcc\u7ba1\u7406\u7684\u5340\u57df\u7e3d\u88c1Sylvain Brisebois\u88fd\u4f5c\u4e86\u4e00\u5f35\u8868\uff0c\u4f30\u7b97\u4e86\u4f9b\u6b3e\u91d1\u984d\u548c\u5e74\u6578\u5982\u4f55\u5f71\u97ffTFSA\u8cec\u6236\u7684\u6700\u7d42\u9918\u984d\u3002\u5982\u679c25\u6b72\u958b\u59cb\u4f9b\u6b3e\uff0c\u6309\u7167\u6bcf\u5e746%\u7684\u6536\u76ca\u7387\uff0c\u523065\u6b72\u6642\u8cec\u6236\u9918\u984d\u7232$1,049,000\u3002\u4f46\u662f\uff0c\u5982\u679c18\u6b72\u5c31\u958b\u59cb\u4f9b\u6b3e\uff0c7\u5e74\u591a\u5b58$42,000\uff0c\u4f46\u9918\u984d\u5374\u8981\u9ad8\u51fa$600,000\uff0c\u9054\u5230$163\u842c\u3002\u53e6\u4e00\u500b\u60c5\u5f62\u662f\u4f9b\u6b3e7\u5e74\uff0818\u6b72\u81f325\u6b72\uff09\uff0c\u7136\u5f8c\u62ff\u9019\u7b46\u672c\u91d1\u548c\u6536\u76ca\u8cfc\u623f\uff0c\u63a5\u4e0b\u4f8610\u5e74\u65b7\u4f9b\uff0c36\u6b72\u7e8c\u4f9b\uff0c\u523065\u6b72\u6642\u8cec\u6236\u9918\u984d\u7232$829,000\u3002\u6b64\u5916\uff0c\u5982\u679c\u6bcf\u5e74\u53ea\u4f9b\u6b3e$3,000\uff0c\u6700\u5f8c\u7684\u9918\u984d\u7232$815,000\u3002<\/p>\n

Lycos Asset Management\u7684\u6295\u8cc7\u7d44\u5408\u7d93\u7406Adrian Mastracci\u8868\u793a\uff0c\u5f88\u591a\u6295\u8cc7\u800530\u6b72\u958b\u59cb\u5132\u84c4\uff0c\u5982\u679c\u9810\u671f\u58fd\u547d\u662f85\u6b72\uff0cTFSA\u8cec\u6236\u4e2d\u80a1\u7968\u7684\u5360\u6bd4\u4ecd\u7136\u53ef\u4ee5\u9054\u523080%\u751a\u81f3\u66f4\u9ad8\u3002\u5230\u4e8660\u6b72\uff0c\u4ed6\u5efa\u8b70\u5c07\u6240\u6709\u6295\u8cc7\u5de5\u5177\uff08\u4e0d\u50c5\u50c5\u662fTFSA\uff09\u7684\u8cc7\u7523\u914d\u6bd4\u66f4\u52a0\u5747\u8861\u5316\uff1a50%\u7684\u80a1\u7968\u52a050%\u7684\u56fa\u5b9a\u6536\u76ca\u8cc7\u7523\u3002\u4e0d\u904e\uff0c\u5982\u679c\u81f3\u5c111\u540d\u914d\u5076\u7684\u6295\u8cc7\u671f\u9577\u81f395\u6b72\uff0c\u80a1\u7968\u7684\u5360\u6bd4\u53ef\u572850%\u81f380%\u4e4b\u9593\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

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