{"id":344608,"date":"2020-08-06T16:46:33","date_gmt":"2020-08-06T23:46:33","guid":{"rendered":"https:\/\/nai500.com\/blog\/2020\/08\/rrsp-%e5%8f%96%e6%ac%be-%e5%90%88%e6%b3%95%e9%81%bf%e7%a8%8e\/"},"modified":"2020-08-06T16:47:00","modified_gmt":"2020-08-06T23:47:00","slug":"rrsp-%e5%8f%96%e6%ac%be-%e5%90%88%e6%b3%95%e9%81%bf%e7%a8%85","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hant\/blog\/2020\/08\/rrsp-%e5%8f%96%e6%ac%be-%e5%90%88%e6%b3%95%e9%81%bf%e7%a8%85\/","title":{"rendered":"\u5982\u4f55\u5f9eRRSP\u8cec\u6236\u4e2d\u53d6\u6b3e\uff0c\u624d\u80fd\u5408\u6cd5\u907f\u7a05\uff1f"},"content":{"rendered":"

\u8d81\u8457\u5e74\u8f15\u5132\u84c4\uff0c\u9000\u4f11\u5f8c\u5b89\u4eab\u665a\u5e74\uff0c\u9019\u662f\u6211\u5011\u6bcf\u4e00\u500b\u4eba\u90fd\u5e0c\u671b\u5be6\u73fe\u7684\u4eba\u751f\u76ee\u6a19\u3002\u4e0d\u904e\uff0c\u4e16\u4e8b\u96e3\u6599\uff0c\u4f60\u53ef\u80fd\u6703\u906d\u9047\u7a81\u767c\u72c0\u51b5\u6025\u9700\u7528\u9322\uff0c\u6216\u8005\u662f\u9577\u6642\u9593\u627e\u4e0d\u5230\u5de5\u4f5c\uff0c\u9019\u6642\u5019\u53ef\u80fd\u5c31\u8981\u88ab\u8feb\u5f9e\u6ce8\u518c\u9000\u4f11\u5132\u84c4\u8a08\u5283\uff08RRSP\uff09\u8cec\u6236\u4e2d\u63d0\u524d\u53d6\u6b3e\u3002\u4e0d\u904e\uff0c\u63d0\u524d\u53d6\u6b3e\u610f\u5473\u8457\u4f60\u5c07\u55aa\u5931\u8a72\u8a08\u5283\u6240\u6709\u7684\u597d\u8655\uff0c\u627f\u53d7\u6b64\u524d\u898f\u907f\u6389\u7684\u7a05\u6536\u8ca0\u64d4\u3002<\/p>\n

\u90a3\u9ebd\uff0c\u7576\u6211\u5011\u9700\u8981\u63d0\u524d\u5f9eRRSP\u8cec\u6236\u4e2d\u53d6\u6b3e\u6642\uff0c\u5982\u4f55\u64cd\u4f5c\u624d\u80fd\u76e1\u53ef\u80fd\u5730\u898f\u907f\u7a05\u6536\uff1f<\/p>\n

\u5c0d\u65bc\u90a3\u4e9b\u5c0d\u9ec3\u91d1\u548c\u7926\u696d\u6295\u8cc7\u71c3\u8d77\u8208\u8da3\u7684\u6295\u8cc7\u8005\uff0c\u9ec3\u91d1\u80a1\u7684\u725b\u5e02\u884c\u60c5\u624d\u525b\u525b\u8d77\u6b65\uff0c\u8a72\u5982\u4f55\u70ba\u6295\u8cc7\u7372\u5229\u505a\u597d\u6e96\u5099\uff1f\u4e86\u89e3\u66f4\u591a\u6295\u8cc7\u6280\u5de7\uff0c\u73fe\u5728\u5c31\u4f86NAI500\u5546\u5e97\u514d\u8cbb\u4e0b\u8f09\u300a\u7926\u696d\u6295\u8cc7\u6307\u53572020: \u6295\u8cc7\u7372\u5229\u7684\u85dd\u8853\u8d70\u9032\u9ec3\u91d1\u8207\u7926\u696d\u6295\u8cc7\u300b\u96fb\u5b50\u66f8\uff01\u6a5f\u6703\u53ea\u6703\u9752\u775e\u6709\u6e96\u5099\u7684\u4eba\u3002<\/a><\/p>\n

RRSP\u5982\u4f55\u904b\u4f5c\uff1f<\/h2>\n

\u4f60\u653e\u9032RRSP\u8cec\u6236\u88cf\u7684\u9322\u5c6c\uffff\u7a05\u6536\u905e\u5ef6\u6536\u5165\uff0c\u5e77\u76f8\u61c9\u51cf\u5c11\u4f60\u7576\u5e74\u7684\u6536\u5165\u3002RRSP\u8cec\u6236\u4e2d\u6295\u8cc7\u7523\u751f\u7684\u4efb\u4f55\u6536\u76ca\u4e5f\u514d\u7a05\uff0c\u53ea\u6709\u5728\u53d6\u6b3e\u6642\u624d\u9700\u8981\u7e73\u7a05\u3002\u56e0\u6b64\uff0c\u60f3\u8981\u5145\u5206\u767c\u63eeRRSP\u7684\u512a\u52e2\uff0c\u5c31\u61c9\u8a72\u5728\u6536\u5165\u9ad8\uff0c\u7a05\u7387\u9ad8\u7684\u6642\u5019\u5411RRSP\u4f9b\u6b3e\uff0c\u7b49\u5230\u6536\u5165\u4f4e\uff0c\u6bd4\u5982\u8aaa\u9000\u4f11\u5f8c\u518d\u53d6\u6b3e\uff0c\u9019\u6a23\u5c31\u80fd\u7701\u4e0b\u4e00\u5927\u7b46\u7684\u7a05\u6b3e\u3002<\/p>\n

\u4e0d\u904e\uff0cRRSP\u7684\u4f9b\u6b3e\u4e5f\u662f\u6709\u9650\u5236\u7684\uff1a\u6bcf\u5e74\u4f9b\u6b3e\u91d1\u984d\u4e0d\u5f97\u8d85\u904e\u7a05\u524d\u6536\u5165\u768418%\u5e77\u8a2d\u6709\u4e0a\u9650\uff082020\u5e74\u662f$27,230\uff09\u3002\u672a\u88ab\u4f7f\u7528\u7684\u4f9b\u6b3e\u984d\u5ea6\u53ef\u4ee5\u8f49\u5165\u4e0b\u4e00\u5e74\uff0c\u589e\u52a0\u4f60\u4e0b\u4e00\u5e74\u7684\u4f9b\u6b3e\u984d\u3002<\/p>\n

\u9000\u4f11\u5f8c\u5f9eRRSP\u8cec\u6236\u4e2d\u53d6\u6b3e<\/h2>\n

\u9019\u662f\u9019\u5957\u5236\u5ea6\u7684\u76ee\u7684\u6240\u5728\u3002\u4f60\u53ef\u4ee5\u96a8\u6642\u51b3\u5b9a\u9000\u4f11\uff0c\u7136\u5f8c\u505c\u6b62\u4f9b\u6b3e\u5e77\u958b\u59cb\u53d6\u6b3e\u3002\u4e0d\u904e\uff0c\u4f60\u6700\u665a\u5fc5\u9808\u572871\u6b72\u4e4b\u524d\u5b8c\u6210\u4f9b\u6b3e\u548c\u53d6\u6b3e\u7684\u9019\u4e00\u8f49\u63db\u3002\u4e0d\u904e\uff0c\u958b\u59cb\u53d6\u6b3e\u5f8c\u4f60\u53ef\u4ee5\u67093\u7a2e\u9078\u64c7\uff1a<\/p>\n

    \n
  • \u4e00\u6b21\u6027\u5168\u90e8\u53d6\u51fa\uff0c\u4f46\u9019\u6703\u589e\u52a0\u4f60\u7684\u7a05\u91d1\u3002\u53d6\u6b3e\u6642\u6703\u88ab\u7acb\u5373\u5fb5\u6536\u201c\u9810\u6263\u7a05\u201d\uff0c\u540c\u6642\u5831\u7a05\u6642\u9019\u7b46\u53d6\u6b3e\u5c07\u88ab\u8996\u7232\u500b\u4eba\u6536\u5165\uff0c\u5927\u5927\u589e\u9577\u4f60\u7684\u500b\u4eba\u6240\u5f97\u7a05\u3002<\/li>\n
  • \u8cfc\u8cb7\u5e74\u91d1\u3002\u8ddf\u990a\u8001\u91d1\u985e\u4f3c\uff0c\u5e74\u91d1\u5c07\u5728\u5f88\u9577\u4e00\u6bb5\u6642\u9593\u88cf\u7232\u9000\u4f11\u4eba\u54e1\u63d0\u4f9b\u7a69\u5b9a\u7684\u6536\u5165\u3002\u5e74\u91d1\u53ef\u4ee5\u662f\u56fa\u5b9a\u671f\u9650\uff0c\u4e5f\u53ef\u4ee5\u662f\u7d42\u8eab\u5236\u3002<\/li>\n
  • \u8f49\u63db\u7232\u6ce8\u518c\u9000\u4f11\u6536\u5165\u57fa\u91d1\uff08RRIF\uff09\u3002RRIF\u8ddfRRSP\u975e\u5e38\u76f8\u50cf\uff0c\u4f46\u53ea\u51fa\u4e0d\u9032\u3002\u6b64\u5916\uff0cRRIF\u9084\u898f\u5b9a\u4e86\u6700\u4f4e\u53d6\u6b3e\u984d\uff0c\u4f46\u8d85\u51fa\u90e8\u5206\u8981\u7e73\u9810\u6263\u7a05\u3002<\/li>\n<\/ul>\n

    \u9000\u4f11\u5f8c\u6700\u5927\u7a0b\u5ea6\u51cf\u5c11\u7a05\u6536\u7684\u6700\u4f73\u65b9\u5f0f\u662f\u5229\u7528\u5e74\u91d1\u6216RRIF\u6162\u6162\u53d6\u6b3e\uff0c\u9019\u6a23\u5c31\u80fd\u907f\u514d\u81ea\u5df1\u7684\u6536\u5165\u9661\u7136\u589e\u9ad8\u800c\u9032\u5165\u66f4\u9ad8\u7684\u7a05\u968e\u3002<\/p>\n

    \u9000\u4f11\u524d\u5f9eRRSP\u8cec\u6236\u4e2d\u53d6\u6b3e<\/h2>\n

    \u5982\u679c\u906d\u9047\u7a81\u767c\u4e8b\u4ef6\uff0c\u6025\u9700\u7528\u9322\uff0c\u4f60\u4e5f\u53ef\u4ee5\u96a8\u6642\u5f9eRRSP\u8cec\u6236\u4e2d\u53d6\u6b3e\uff0c\u4f46\u9019\u6703\u7523\u751f\u76f8\u61c9\u7684\u6210\u672c\u3002<\/p>\n

      \n
    • \u4f60\u5c07\u88ab\u5fb5\u7a05\u3002\u9019\u7b46\u53d6\u6b3e\u5c07\u8a08\u5165\u4f60\u7684\u5e74\u6536\u5165\uff0c\u5982\u679c\u4f60\u73fe\u5728\u6536\u5165\u5f88\u9ad8\uff0c\u7a05\u7387\u548c\u7a05\u91d1\u4e5f\u6703\u5f88\u9ad8\u3002<\/li>\n
    • \u4f60\u5c07\u55aa\u5931\u8907\u5229\u3002\u5728\u8cec\u6236\u4e2d\u505c\u7559\u7684\u6642\u9593\u8d8a\u4e45\uff0c\u9019\u7b46\u8cc7\u91d1\u5728\u5b89\u5168\u4e14\u514d\u7a05\u7684\u74b0\u5883\u4e0b\u589e\u503c\u7684\u6642\u9593\u4e5f\u8d8a\u4e45\u3002<\/li>\n
    • \u4f60\u5c07\u55aa\u5931\u4f9b\u6b3e\u984d\u3002RRSP\u7684\u4f9b\u6b3e\u984d\u5ea6\u7121\u6cd5\u6062\u5fa9\uff0c\u7576\u4f60\u5f9e\u8a72\u8cec\u6236\u63d0\u53d6\u6b3e\u9805\u6642\uff0c\u4f9b\u6b3e\u984d\u5e77\u4e0d\u6703\u56e0\u6b64\u6062\u5fa9\u3002<\/li>\n
    • \u4e8c\u6b21\u5fb5\u7a05\u3002\u9664\u4e86\u5728\u5831\u7a05\u6642\u589e\u52a0\u4f60\u7684\u6536\u5165\uff0c\u652f\u4ed8\u66f4\u591a\u7684\u7a05\u6b3e\uff0cRRSP\u53d6\u6b3e\u9084\u6703\u88ab\u7acb\u5373\u5fb5\u6536\u201c\u9810\u6263\u7a05\u201d\u3002<\/li>\n<\/ul>\n

      \u4ec0\u9ebd\u662f\u9810\u6263\u7a05\uff1f<\/h2>\n

      \u7576\u4f60\u5728\u9000\u4f11\u524d\u5f9eRRSP\u8cec\u6236\u4e2d\u53d6\u6b3e\u6642\uff0c\u4f60\u7684\u91d1\u878d\u6a5f\u69cb\u6703\u76f4\u63a5\u201c\u9810\u6263\u201d\u4e00\u5b9a\u6bd4\u4f8b\u7684\u8cc7\u91d1\u7528\u4e8e\u7e73\u7d0d\u500b\u4eba\u6240\u5f97\u7a05\uff0c\u5e77\u4e14\u9019\u7b46\u8cc7\u91d1\u6703\u76f4\u63a5\u4e0a\u4ea4\u7d66\u653f\u5e9c\u3002\u9019\u5c31\u8ddf\u96c7\u4e3b\u9810\u7e73\u500b\u4eba\u6240\u5f97\u7a05\u662f\u4e00\u500b\u9053\u7406\u3002<\/p>\n

      \u9810\u6263\u7a05\u7387\u4f9d\u64da\u7701\u4efd\u548c\u53d6\u6b3e\u91d1\u984d\u7684\u4e0d\u540c\u800c\u8b8a\u5316\u3002\u5c0d\u4e8e\u5927\u591a\u6578\u52a0\u62ff\u5927\u5c45\u6c11\u4f86\u8aaa\uff0c\u9810\u6263\u7a05\u7387\u662f\uff1a<\/p>\n

        \n
      • \u4e0d\u9ad8\u4e8e$5,000\uff0c10%<\/li>\n
      • $5,001-$15,000\uff0c20%<\/li>\n
      • \u9ad8\u4e8e$15,000\uff0c30%<\/li>\n<\/ul>\n

        \u9b41\u5317\u514b\u7701\u7684\u7a05\u7387\u8f03\u4f4e\u4f46\u9700\u8981\u7e73\u7d0d\u7701\u7d1a\u92b7\u552e\u7a05\u3002<\/p>\n

          \n
        • \u4e0d\u9ad8\u4e8e$5,000\uff0c5%<\/li>\n
        • $5,001-$15,000\uff0c10%<\/li>\n
        • \u9ad8\u4e8e$15,000\uff0c15%<\/li>\n<\/ul>\n

          \u975e\u52a0\u62ff\u5927\u5c45\u6c11\u4e00\u5f8b\u7e73\u7d0d25%\u7684\u9810\u6263\u7a05\u3002<\/p>\n

          \u9664\u4e86\u9810\u6263\u7a05\uff0c\u9019\u7b46\u53d6\u6b3e\u9084\u5c07\u88ab\u8996\u7232\u4f60\u7576\u5e74\u7684\u6536\u5165\uff0c\u5831\u7a05\u6642\u9084\u8981\u518d\u7e73\u4e00\u6b21\u500b\u4eba\u6240\u5f97\u7a05\u3002\u60f3\u8981\u5177\u9ad4\u77ad\u89e3RRSP\u53d6\u6b3e\u5c0d\u4e8e\u500b\u4eba\u6240\u5f97\u7a05\u7684\u5f71\u97ff\uff0c\u6211\u5011\u5148\u4f86\u77ad\u89e3\u4e00\u4e0b\u52a0\u62ff\u59272020\u5e74\u7684\u806f\u90a6\u6240\u5f97\u7a05\u653f\u7b56\u3002<\/p>\n

            \n
          • \u61c9\u7d0d\u7a05\u6240\u5f97\u984d\u4e0d\u9ad8\u4e8e$48,535\u7684\u90e8\u5206\uff0c\u9069\u7528\u7a05\u738715%<\/li>\n
          • $48,535-$97,069\uff0c\u9069\u7528\u7a05\u73875%<\/li>\n
          • $97,069-$150,472\uff0c\u9069\u7528\u7a05\u738726%<\/li>\n
          • $150,473-$214,368\uff0c\u9069\u7528\u7a05\u738729%<\/li>\n
          • \u9ad8\u4e8e$214,368\uff0c\u9069\u7528\u7a05\u738733%<\/li>\n<\/ul>\n

            \u7701\u7d1a\u6240\u5f97\u7a05\u653f\u7b56\u5404\u4e0d\u76f8\u540c\uff0c\u5177\u9ad4\u53ef\u4ee5\u67e5\u95b1\u52a0\u62ff\u5927\u7a05\u52d9\u5c40\u5b98\u7db2\u3002<\/p>\n

            \u5982\u4f55\u907f\u7a05\uff1f<\/h2>\n

            \u53c8\u662f\u9810\u6263\u7a05\uff0c\u53c8\u662f\u500b\u4eba\u6240\u5f97\u7a05\uff0c\u807d\u4e0a\u53bb\u662f\u4e0d\u662f\u5f88\u5fc3\u75db\uff1f\u6709\u6c92\u6709\u5408\u6cd5\u7684\u907f\u7a05\u65b9\u5f0f\u5462\uff1f\u9084\u771f\u6709\uff0cRRSP\u53d6\u6b3e\u5982\u679c\u7528\u4e8e\u4ee5\u4e0b\u5169\u7a2e\u6295\u8cc7\u5e77\u53ca\u6642\u511f\u9084\uff0c\u5c31\u53ef\u4ee5\u898f\u907f\u4e0a\u8ff0\u7a05\u6536\u3002<\/p>\n

            \u9996\u6b21\u8cfc\u623f\u8005\u53ef\u5229\u7528\u806f\u90a6\u8cfc\u623f\u8005\u8a08\u5283\uff0c\u5f9eRRSP\u8cec\u6236\u4e2d\u63d0\u53d6\u4e0d\u8d85\u904e$35,000\uff08\u592b\u5a66\u53ef\u63d0\u53d6$70,000\uff09\u7684\u8cc7\u91d1\u7528\u4e8e\u652f\u4ed8\u9996\u4ed8\uff0c\u9019\u7b46\u9322\u4e0d\u6703\u589e\u52a0\u4f60\u7684\u6536\u5165\uff0c\u4e5f\u4e0d\u6703\u88ab\u5fb5\u6536\u9810\u6263\u7a05\u3002RRSP\u7684\u9019\u7b46\u6b3e\u9805\u5169\u5e74\u5f8c\u958b\u59cb\u511f\u9084\uff0c\u511f\u9084\u671f\u9650\u723215\u5e74\u3002\u5982\u679c\u903e\u671f\u672a\u9084\uff0c\u5c0d\u61c9\u7684\u6b3e\u9805\u5c07\u88ab\u8996\u7232\u6536\u5165\u5e77\u5fb5\u7a05\u3002<\/p>\n

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