{"id":360663,"date":"2020-12-07T00:32:45","date_gmt":"2020-12-07T08:32:45","guid":{"rendered":"https:\/\/nai500.com\/blog\/2020\/12\/nai500-special-report-retirement-in-canada\/"},"modified":"2021-05-05T12:31:35","modified_gmt":"2021-05-05T19:31:35","slug":"nai500%e7%89%b9%e5%88%a5%e5%a0%b1%e9%81%93%ef%bc%9a%e5%a6%82%e4%bd%95%e9%80%b2%e8%a1%8c%e5%8a%a0%e6%8b%bf%e5%a4%a7%e9%80%80%e4%bc%91%e8%a6%8f%e5%8a%83%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hant\/blog\/2020\/12\/nai500%e7%89%b9%e5%88%a5%e5%a0%b1%e9%81%93%ef%bc%9a%e5%a6%82%e4%bd%95%e9%80%b2%e8%a1%8c%e5%8a%a0%e6%8b%bf%e5%a4%a7%e9%80%80%e4%bc%91%e8%a6%8f%e5%8a%83%ef%bc%9f\/","title":{"rendered":"NAI500\u7279\u5225\u5831\u9053\uff1a\u5982\u4f55\u9032\u884c\u52a0\u62ff\u5927\u9000\u4f11\u898f\u5283\uff1f"},"content":{"rendered":"

\u5728\u52a0\u62ff\u5927\uff0c\u4f60\u6703\u6709\u9000\u4f11\u7684\u58d3\u529b\u55ce\uff1f\u5982\u679c\u6709\u7684\u8a71\uff0c\u4f60\u4e26\u4e0d\u5b64\u55ae\u3002\u5f88\u591a\u52a0\u62ff\u5927\u4eba\u90fd\u6703\u56e0\u70ba\u9000\u4f11\u7684\u554f\u984c\u800c\u611f\u5230\u7126\u616e\uff0c\u539f\u56e0\u4e3b\u8981\u6709\u4ee5\u4e0b\u4e09\u500b\u65b9\u9762\u3002<\/p>\n

1. \u5f9e\u672a\u8003\u616e\u904e\u9000\u4f11\u898f\u5283<\/h2>\n

30\u5e74\u524d\uff0c\u7576\u78ba\u5b9a\u7d66\u4ed8\u990a\u8001\u5236\u5ea6\u9084\u5f88\u666e\u53ca\u7684\u6642\u5019\uff0c\u52a0\u62ff\u5927\u4eba\u4e26\u4e0d\u9700\u8981\u70ba\u81ea\u5df1\u7684\u9000\u4f11\u505a\u5927\u591a\u7684\u6253\u7b97\u3002\u5728\u9019\u4e00\u5236\u5ea6\u4e0b\uff0c\u990a\u8001\u7684\u8cac\u4efb\u843d\u5728\u4e86\u96c7\u4e3b\u548c\u653f\u5e9c\u7684\u8eab\u4e0a\uff0c\u800c\u4e14\u591a\u6578\u4eba\u90fd\u5728\u9019\u4e00\u5236\u5ea6\u7684\u8986\u84cb\u4e4b\u4e0b\u3002\u7136\u800c\uff0c\u5230\u4e862011\u5e74\uff0c\u78ba\u5b9a\u7d66\u4ed8\u990a\u8001\u7684\u8986\u84cb\u7387\u50c5\u670918%\u3002<\/p>\n

2. \u6c92\u6709\u6e05\u6670\u7684\u8ca1\u52d9\u7b56\u7565<\/h2>\n

\u5f88\u591a\u4eba\u56e0\u70ba\u4e0d\u77e5\u9053\u5982\u4f55\u5236\u5b9a\u9000\u4f11\u898f\u5283\uff0c\u56e0\u6b64\u5c31\u62b1\u8457\u4e00\u7a2e\u8239\u5230\u6a4b\u982d\u81ea\u7136\u76f4\u7684\u614b\u5ea6\uff0c\u671f\u5f85\u81ea\u5df1\u81e8\u9000\u4f11\u6642\u53ef\u4ee5\u64c1\u6709\u8db3\u5920\u7684\u9322\u3002\u4e0d\u5e78\u7684\u662f\uff0c\u9019\u4e00\u7b56\u7565\u662f\u76f8\u7576\u5371\u96aa\u7684\u3002\u5927\u7d04\u4e09\u5206\u4e4b\u4e8c\u7684\u52a0\u62ff\u5927\u751a\u81f3\u90fd\u4e0d\u77e5\u9053\u81ea\u5df1\u9000\u4f11\u9700\u8981\u591a\u5c11\u9322\uff0c\u6216\u8005\u662f\u9700\u8981\u591a\u9577\u6642\u9593\u3002\u4e0d\u904e\uff0c\u9019\u4e9b\u554f\u984c\u6211\u5011\u90fd\u8981\u505a\u5230\u5fc3\u4e2d\u6709\u6578\uff0c\u5982\u679c\u9700\u8981\u9577\u671f\u8b77\u7406\u6642\uff0c\u6211\u5011\u53c8\u61c9\u7576\u5982\u4f55\u61c9\u5c0d\uff0c\u6240\u6709\u9019\u4e9b\u90fd\u9700\u8981\u6211\u5011\u63d0\u524d\u6253\u7b97\u3002<\/p>\n

3. \u95dc\u6ce8\u8cc7\u7522\u800c\u4e0d\u662f\u6536\u5165<\/h2>\n

\u9000\u4f11\u524d\u6211\u5011\u8655\u65bc\u8ca1\u5bcc\u7684\u7a4d\u7d2f\u968e\u6bb5\uff0c\u56e0\u6b64\u7fd2\u6163\u4e8e\u628a\u7cbe\u529b\u96c6\u4e2d\u65bc\u5982\u4f55\u5be6\u73fe\u8cc7\u7522\u7684\u589e\u9577\u3002\u4e0d\u904e\uff0c\u9000\u4f11\u6b63\u597d\u662f\u4e00\u500b\u76f8\u53cd\u7684\u904e\u7a0b\uff0c\u4f46\u5f88\u591a\u4eba\u4e26\u6c92\u6709\u4e00\u500b\u6e05\u6670\u7684\u9000\u4f11\u898f\u5283\u3002<\/p>\n

\u591a\u6578\u6295\u8cc7\u5ee3\u544a\u90fd\u805a\u7126\u4e8e\u5ba2\u6236\u7684\u8ca1\u5bcc\u7a4d\u7d2f\u968e\u6bb5\u3002\u6bd4\u5982\u8aaa\uff0c\u6bcf\u4e00\u500b\u4eba\u90fd\u5728\u4e0d\u65b7\u5730\u5411\u6211\u5011\u515c\u552e\u8a3b\u518a\u9000\u4f11\u5132\u84c4\u8a08\u5283\uff08RRSP\uff09\uff0c\u5ba3\u7a31\u9019\u662f\u4e00\u6b3e\u5c08\u9580\u70ba\u9000\u4f11\u91cf\u8eab\u6253\u9020\u7684\u6295\u8cc7\u795e\u5668\uff0c\u6bd4\u5982\u8aaa\u5b83\u6240\u80fd\u4eab\u53d7\u5230\u7684\u7a05\u6536\u512a\u60e0\u653f\u7b56\u4ee5\u53ca\u5982\u4f55\u4fc3\u9032\u9577\u671f\u5132\u84c4\u3002<\/p>\n

\u7136\u800c\uff0c\u6c92\u6709\u4eba\u6703\u5411\u6211\u5011\u89e3\u91cbRRSP\u7684\u53d6\u6b3e\u653f\u7b56\u3002\u6bd4\u5982\u8aaa\uff0c\u5230\u4e8671\u6b72\u6642\u4f60\u5fc5\u9808\u628a\u9322\u90fd\u53d6\u51fa\u4f86\uff0c\u5426\u5247\u5c31\u8981\u7e73\u7d0d\u66f4\u591a\u7684\u7a05\u3002\u9000\u4f11\u5f8c\u4f60\u7684\u8ca1\u52d9\u7b56\u7565\u4e5f\u5fc5\u9808\u6539\u8b8a\uff0c\u4f46\u5f88\u591a\u4eba\u90fd\u4e0d\u77e5\u9053\u9019\u4e00\u9ede\u3002<\/p>\n

\u56e0\u6b64\uff0c\u6211\u5011\u61c9\u8a72\u600e\u9ebc\u8fa6\uff1f\u9000\u4f11\u898f\u5283\u8457\u4f5c\u300a\u4e0d\u8981\u6182\u616e\uff0c\u5feb\u6a02\u9000\u4f11\u300b\uff08\u4f5c\u8005Tom Hegna\uff09\u7684\u9019\u56db\u500b\u8981\u9ede\u53ef\u4ee5\u70ba\u6211\u5011\u63d0\u4f9b\u4e0d\u932f\u7684\u6307\u5c0e\u3002<\/p>\n

1. \u5b9a\u7fa9\u81ea\u5df1\u7684\u9000\u4f11<\/h2>\n

\u9996\u5148\uff0c\u6211\u5011\u9700\u8981\u660e\u78ba\u9000\u4f11\u5c0d\u65bc\u6211\u5011\u81ea\u5df1\u800c\u8a00\u610f\u5473\u8457\u4ec0\u9ebc\u3002\u5c31\u6211\u4f86\u8aaa\uff0c\u6211\u8a8d\u70ba\u9000\u4f11\u7684\u5b9a\u7fa9\u5c31\u662f\u8ca1\u52d9\u81ea\u7531\uff0c\u53ef\u4ee5\u505a\u81ea\u5df1\u60f3\u505a\u7684\u4e8b\u800c\u7121\u9700\u70ba\u8cec\u55ae\u64d4\u6182\u3002<\/p>\n

\u7576\u7136\uff0c\u6bcf\u4e00\u500b\u4eba\u5fc3\u4e2d\u7406\u60f3\u7684\u9000\u4f11\u90fd\u5404\u4e0d\u76f8\u540c\u3002\u6709\u7684\u4eba\u5e0c\u671b\u6bcf\u5929\u90fd\u5750\u5728\u6c99\u767c\u4e0a\uff0c\u6709\u7684\u4eba\u71b1\u611b\u65c5\u884c\uff0c\u5e0c\u671b\u6bcf\u5e74\u90fd\u80fd\u51fa\u53bb\u65c5\u884c5\u6b21\u3002<\/p>\n

\u4f46\u7121\u8ad6\u5982\u4f55\uff0c\u9000\u4f11\u90fd\u5206\u70ba\u4e09\u500b\u968e\u6bb5\uff1a<\/p>\n

    \n
  1. \u76e1\u60c5\u701f\u7051\u7684\u6642\u5149\uff1a\u4f60\u7d42\u65bc\u64c1\u6709\u4e86\u8ffd\u6c42\u81ea\u5df1\u8208\u8da3\u7684\u81ea\u7531\u3002\u4f60\u5916\u51fa\u65c5\u884c\uff0c\u6253\u9ad8\u723e\u592b\uff0c\u6253\u7db2\u7403\uff0c\u6bcf\u5929\u90fd\u6d3b\u52d5\u6eff\u6eff\uff0c\u904e\u5f97\u5f88\u5145\u5be6\u3002<\/li>\n
  2. \u51b7\u537b\u671f\uff1a\u4f60\u4ecd\u5728\u505a\u81ea\u5df1\u559c\u6b61\u7684\u4e8b\u60c5\uff0c\u4f46\u983b\u6b21\u5728\u4e0b\u964d\u3002<\/li>\n
  3. \u5c45\u5bb6\u990a\u8001\u6642\u671f\uff1a\u4f60\u7684\u5065\u5eb7\u72c0\u6cc1\u5728\u4e0d\u65b7\u60e1\u5316\uff0c\u57fa\u672c\u4e0a\u5df2\u7d93\u96e2\u4e0d\u958b\u5e8a\u3002<\/li>\n<\/ol>\n

    \u6211\u9019\u88e1\u4e26\u4e0d\u662f\u70ba\u4e86\u63cf\u7e6a\u4e00\u500b\u8b93\u4eba\u9b31\u60b6\u7684\u672a\u4f86\uff0c\u800c\u662f\u8981\u63d0\u9192\u4f60\u4eab\u53d7\u9000\u4f11\u7684\u65e9\u5e74\u6642\u5149\uff0c\u540c\u6642\u96a8\u8457\u6642\u5149\u63a8\u79fb\u9010\u6b65\u8abf\u6574\u81ea\u5df1\u7684\u652f\u51fa\u3002\u6bcf\u4e00\u500b\u4eba\u9000\u4f11\u6642\u7684\u8cc7\u91d1\u898f\u6a21\uff0c\u6216\u8005\u662f\u8208\u8da3\u6d3b\u52d5\u6240\u82b1\u8cbb\u7684\u6210\u672c\u90fd\u662f\u4e0d\u540c\u7684\uff0c\u56e0\u6b64\u9700\u8981\u4f60\u505a\u597d\u7d30\u7dfb\u7684\u898f\u5283\u3002<\/p>\n

    \u8981\u5be6\u73fe\u9019\u4e00\u9ede\uff0c\u6709\u4e9b\u4eba\u9078\u64c7\u7e7c\u7e8c\u5de5\u4f5c\u7684\u6df7\u5408\u9000\u4f11\u65b9\u5f0f\u3002\u9019\u80fd\u5920\u589e\u52a0\u4f60\u7684\u9000\u4f11\u6536\u5165\uff0c\u4fdd\u6301\u5927\u8166\u7684\u6d3b\u8e8d\u6027\uff0c\u4ee5\u53ca\u7372\u5f97\u8af8\u5982\u91ab\u7642\u4fdd\u96aa\u7b49\u9ad8\u984d\u798f\u5229\u7684\u8cc7\u683c\uff0c\u7562\u7adf\u73fe\u572890\u6b72\u4ee5\u4e0a\u7684\u8001\u5e74\u4eba\u4e26\u4e0d\u5c11\u898b\u3002\u76ee\u524d\uff0c\u5927\u7d0445%\u7684\u9000\u4f11\u4eba\u54e1\u90fd\u9078\u64c7\u6df7\u5408\u9000\u4f11\u65b9\u5f0f\u4e26\u6a02\u5728\u5176\u4e2d\u3002<\/p>\n

    2. \u901a\u8139\u3001\u901a\u8139\u548c\u901a\u8139\uff0c\u91cd\u8981\u7684\u4e8b\u60c5\u8aaa\u7b2c\u4e09\u904d<\/h2>\n

    \u65b0\u51a0\u75ab\u60c5\u4e4b\u4e0b\uff0c\u52a0\u62ff\u5927\u653f\u5e9c\u5927\u8086\u8209\u50b5\uff0c\u597d\u50cf\u7121\u9700\u8003\u616e\u660e\u5929\u3002\u60b2\u50ac\u7684\u662f\uff0c\u660e\u5929\u7d42\u5c07\u5230\u4f86\uff0c\u6211\u5011\u4e5f\u5c07\u8981\u70ba\u4eca\u5929\u7684\u6240\u4f5c\u6240\u70ba\u4ed8\u51fa\u4ee3\u50f9\uff1a\u5546\u54c1\u548c\u670d\u52d9\u50f9\u683c\u7684\u4e0a\u5347\u3002<\/p>\n

    \u9019\u672c\u66f8\u6307\u51fa\uff0c\u5982\u679c\u4f6070\u6b72\u9000\u4f1175\u6b72\u5c31\u53bb\u4e16\uff0c\u901a\u8139\u5c0d\u4f60\u7684\u5f71\u97ff\u5c31\u4e0d\u6703\u5f88\u5927\u3002\u4f46\u662f\uff0c\u5982\u679c\u4f6055\u6b72\u5c31\u9000\u4f11\u4e26\u6d3b\u5230\u4e8690\u591a\u6b72\uff0c\u901a\u8139\u6709\u53ef\u80fd\u6703\u8b93\u4f60\u7684\u8cfc\u8cb7\u529b\u8170\u65ac\uff01<\/p>\n

    3. \u8cec\u6236\u6574\u5408<\/h2>\n

    \u66fe\u7d93\u6709\u4e00\u500b\u8207\u6211\u5171\u4e8b\u904e\u7684\u4eba\u5728\u4e0d\u540c\u9280\u884c\u958b\u8a2d\u4e8630\u591a\u500b\u4e0d\u540c\u7684\u8cec\u6236\u3002\u9019\u5be6\u5728\u662f\u592a\u6df7\u4e82\u4e86\uff01\u6211\u5efa\u8b70\u5c07\u6240\u6709\u7684\u8cec\u6236\u6574\u5408\u70ba\u4ee5\u4e0b4\u500b\u57fa\u672c\u7684\u5927\u985e\u3002<\/p>\n

      \n
    1. \u65e5\u5e38\u958b\u652f<\/li>\n<\/ol>\n

      \u9019\u985e\u8cec\u6236\u7528\u65bc\u652f\u4ed8\u65e5\u5e38\u958b\u92b7\uff0c\u5176\u4e2d\u5305\u62ec\u9109\u6751\u4ff1\u6a02\u90e8\u6703\u54e1\u8cbb\u7b49\u201c\u9031\u672b\u4f11\u9592\u201d\u8cbb\u7528\u3002<\/p>\n

        \n
      1. \u4fdd\u8b49\u9577\u671f\u6536\u5165<\/li>\n<\/ol>\n

        \u7528\u65bc\u985e\u4f3c\u990a\u8001\u3001\u653f\u5e9c\u798f\u5229\u3001\u79df\u8cc3\u6536\u5165\u548c\u5b9a\u671f\u5b58\u6b3e\u7b49\u9577\u671f\u8cbb\u7528\u7684\u4fdd\u8b49\u8cc7\u91d1\u3002<\/p>\n

          \n
        1. \u6295\u8cc7\u8cc7\u91d1<\/li>\n<\/ol>\n

          \u9019\u985e\u8cc7\u91d1\u7684\u76ee\u6a19\u662f\u81f3\u5c11\u8981\u64ca\u6557\u901a\u8139\u3002\u6b64\u5916\uff0c\u9019\u4e9b\u8cc7\u91d1\u5fc5\u8981\u6642\u9084\u53ef\u4ee5\u8f49\u7528\u65bcA\u985e\u548cB\u985e\u7528\u9014\u3002<\/p>\n

            \n
          1. \u61c9\u6025\u8cc7\u91d1<\/li>\n<\/ol>\n

            \u7b49\u5230\u4e8675\u6b72\uff0c10\u500b\u52a0\u62ff\u5927\u4eba\u7576\u4e2d5\u500b\u90fd\u5c07\u9700\u8981\u4e0d\u540c\u5f62\u5f0f\u7684\u91ab\u7642\u8b77\u7406\uff0c\u4f46\u4e0d\u8981\u6307\u671b\u653f\u5e9c\u7684\u798f\u5229\u53ef\u4ee5\u5b8c\u5168\u6eff\u8db3\u9019\u4e00\u9700\u6c42\u3002<\/p>\n

            \u627e\u4e00\u500b\u52a0\u62ff\u5927\u9000\u4f11\u5c08\u696d\u4eba\u58eb<\/h2>\n

            \u505a\u597d\u9000\u4f11\u898f\u5283\u6703\u8b93\u4eba\u66f4\u52a0\u5feb\u6a02\uff0c\u9019\u662f\u4e00\u500b\u78ba\u5b9a\u7684\u4e8b\u5be6\u3002\u5728\u9019\u4e00\u904e\u7a0b\u4e2d\uff0c\u5c08\u696d\u4eba\u58eb\u53ef\u4ee5\u7b54\u7591\u89e3\u60d1\uff0c\u9019\u5c0d\u65bc\u90a3\u4e9b\u6c92\u6709\u6642\u9593\u6216\u8208\u8da3\u81ea\u5df1\u5236\u5b9a\u9000\u4f11\u898f\u5283\u7684\u4eba\u4f86\u8aaa\u5c24\u5176\u6709\u5e6b\u52a9\u3002<\/p>\n

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