{"id":367867,"date":"2021-02-01T22:19:53","date_gmt":"2021-02-02T06:19:53","guid":{"rendered":"https:\/\/nai500.com\/blog\/2021\/02\/retirement-canada-2021\/"},"modified":"2021-05-05T12:30:57","modified_gmt":"2021-05-05T19:30:57","slug":"2021%e5%b9%b4-%e5%8a%a0%e6%8b%bf%e5%a4%a7%e9%80%80%e4%bc%91%e8%a6%8f%e5%8a%83","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hant\/blog\/2021\/02\/2021%e5%b9%b4-%e5%8a%a0%e6%8b%bf%e5%a4%a7%e9%80%80%e4%bc%91%e8%a6%8f%e5%8a%83\/","title":{"rendered":"2021\u5e74\u52a0\u62ff\u5927\u9000\u4f11\u898f\u5283\uff1a\u9000\u4f11\u9700\u8981\u591a\u5c11\u9322\uff1f"},"content":{"rendered":"<p>\u52a0\u62ff\u5927\u5e1d\u570b\u5546\u696d\u9280\u884c\uff08CIBC\uff092018\u5e74\u958b\u5c55\u7684\u4e00\u9805\u6709\u95dc\u52a0\u62ff\u5927\u4eba\u9000\u4f11\u898f\u5283\u7684\u8abf\u67e5\u767c\u73fe\uff1a<\/p>\n<ul>\n<li>90%\u7684\u53d7\u8a2a\u8005\u6c92\u6709\u4e00\u500b\u8a73\u7d30\u7684\u9000\u4f11\u8a08\u5283<\/li>\n<li>30%\u7684\u4eba\u6c92\u6709\u9000\u4f11\u5132\u84c4<\/li>\n<li>26%\u7684\u4eba\u4e0d\u77e5\u9053\u81ea\u5df1\u9000\u4f11\u9700\u8981\u591a\u5c11\u9322\uff1f<\/li>\n<\/ul>\n<p>\u52a0\u62ff\u5927\u7684\u751f\u6d3b\u6c34\u5e73\u975e\u5e38\u4e0d\u932f\uff0c\u4f46\u9ad8\u751f\u6d3b\u6c34\u5e73\u4e5f\u610f\u5473\u8457\u9ad8\u6210\u672c\u3002\u5e74\u8f15\u7684\u6642\u5019\u4f60\u53ef\u80fd\u4e0d\u592a\u6703\u53bb\u8003\u616e\u9000\u4f11\u7684\u554f\u984c\uff0c\u4f46\u5982\u679c\u60f3\u8981\u64c1\u6709\u4e00\u500b\u8212\u9069\u7684\u9000\u4f11\u751f\u6d3b\uff0c\u73fe\u5728\u5c31\u61c9\u8a72\u958b\u59cb\u6253\u7b97\u3002<\/p>\n<table 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href=\"https:\/\/nai500.com\/zh-hant\/events\/gcff-2021-base-metals-energy-metals\/\">\u57fa\u672c\u91d1\u5c6c\u548c\u80fd\u6e90\u91d1\u5c6c\u65e5\u2014\u20142021\u5e742\u67083\u65e5<\/a><\/em><\/p>\n<p><em>\u76f4\u64ad\u5c07\u4e8e\u592a\u5e73\u6d0b\u6a19\u6e96\u6642\u9593\u4e0a\u5348<\/em><em>8<\/em><em>\u9ede\uff08\u6771\u90e8\u6642\u9593\u4e0a\u5348<\/em><em>11<\/em><em>\u9ede\uff09\u958b\u59cb<\/em><\/p>\n<p><em>13<\/em><em>\u5834\u6295\u8cc7\u6a5f\u6703\u6f14\u8b1b<\/em><\/p>\n<p><em>\u805a\u7126\u4e8e\u92f0\u3001\u93b3\u3001\u92c5\u3001\u9285\u4ee5\u53ca\u5176\u4ed6\u57fa\u672c\u91d1\u5c6c\u548c\u96fb\u6c60\u91d1\u5c6c\u52d8\u63a2\u516c\u53f8<\/em><\/p>\n<p><em>\u00a0<\/em><\/p>\n<p><em>\u4ee5\u53ca<\/em><\/p>\n<p><em>\u00a0<\/em><\/p>\n<p><em><a href=\"https:\/\/nai500.com\/zh-hant\/events\/gcff-2021-precious-metals\/\">\u9ec3\u91d1\u548c\u8cb4\u91d1\u5c6c\u65e5\u2014\u20142021\u5e742\u67084\u65e5<\/a><\/em><\/p>\n<p><em>\u76f4\u64ad\u5c07\u4e8e\u592a\u5e73\u6d0b\u6a19\u6e96\u6642\u9593\u4e0a\u5348<\/em><em>8<\/em><em>\u9ede\uff08\u6771\u90e8\u6642\u9593\u4e0a\u5348<\/em><em>11<\/em><em>\u9ede\uff09\u958b\u59cb<\/em><\/p>\n<p><em>14<\/em><em>\u5bb6\u4e0a\u5e02\u516c\u53f8\u5c07\u767c\u8868\u6f14\u8b1b<\/em><\/p>\n<p><em>\u805a\u7126\u4e8e\u9ec3\u91d1\u3001\u767d\u9280\u53ca\u5176\u4ed6\u8cb4\u91d1\u5c6c\u52d8\u63a2\u516c\u53f8<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>\u5728\u52a0\u62ff\u5927\u9000\u4f11\u7a76\u7adf\u9700\u8981\u591a\u5c11\u9322\uff1f<\/h2>\n<p>\u5f88\u591a\u52a0\u62ff\u5927\u4eba\u89ba\u5f97\uff0c\u64c1\u6709$100\u842c\uff0c\u6210\u7232\u201c\u767e\u842c\u5bcc\u7fc1\u201d\u5f8c\u5c31\u53ef\u4ee5\u9000\u4f11\u4e86\u3002\u4f46\u9019\u771f\u7684\u591f\u55ce\uff1f\u7a76\u7adf\u591f\u4e0d\u591f\uff0c\u9019\u53d6\u51b3\u4e8e\u500b\u4eba\u60c5\u51b5\u4ee5\u53ca\u4f60\u7684\u9000\u4f11\u76ee\u6a19\u3002\u9019\u5c31\u597d\u6bd4\u559d\u6c34\u3002\u4e00\u500b\u4eba\u4e00\u5929\u7684\u6a19\u6e96\u98f2\u6c34\u91cf\u61c9\u8a72\u662f4\u5347\uff0c\u4f46\u5be6\u969b\u61c9\u8a72\u559d\u591a\u5c11\u9084\u8981\u8003\u616e\u592a\u591a\u7684\u56e0\u7d20\uff0c\u56e0\u6b64\u56e0\u4eba\u800c\u5f02\u3002\u9000\u4f11\u4e5f\u662f\u4e00\u6a23\uff0c\u9000\u4f11\u5e74\u9f61\uff0c\u4f60\u6240\u5e0c\u671b\u7684\u751f\u6d3b\u65b9\u5f0f\uff0c\u9000\u4f11\u5f8c\u9084\u6709\u591a\u5c11\u7684\u6536\u5165\uff0c\u6240\u6709\u9019\u4e9b\u90fd\u6703\u5f71\u97ff\u5230\u4f60\u9000\u4f11\u6240\u9700\u7684\u8cc7\u91d1\u91cf\u3002<\/p>\n<p>\u5118\u7ba1\u6c92\u6709\u4e00\u500b\u6578\u5b57\u9069\u7528\u4e8e\u6240\u6709\u4eba\uff0c\u4f46\u6211\u5011\u53ef\u4ee5\u91c7\u53d6\u4e00\u4e9b\u65b9\u5f0f\u8a08\u7b97\u51fa\u4e00\u500b\u5927\u6982\u6578\uff0c\u6bd4\u5982\u8aaa25X\u898f\u5247\u548c4%\u898f\u5247\u300225X\u898f\u5247\u5047\u8a2d\u9000\u4f11\u5e74\u6578\u723225\u5e74\uff0c4%\u898f\u5247\u6307\u7684\u662f\u63a8\u85a6\u990a\u8001\u5b58\u6b3e\u63d0\u53d6\u6bd4\u4f8b\u72324%\u3002\u6253\u500b\u6bd4\u65b9\uff0cBill\u7684\u751f\u6d3b\u8cbb\u6a19\u6e96\u662f$5\u842c\uff0c\u5176\u4e2d$1\u842c\u4f86\u81ea\u4ed6\u7684OAS\u548cCPP\u9000\u4f11\u91d1\uff0c\u53e6\u5916$4\u842c\u4f86\u81ea\u4ed6\u81ea\u5df1\u7684\u5132\u84c4\u3002\u6309\u716725X\u539f\u5247\uff0c\u5e77\u5047\u8a2dBill\u5c07\u5132\u84c4\u653e\u5165\u6536\u76ca\u7387\u72324%\u7684\u6295\u8cc7\u7d44\u5408\uff0c\u90a3\u9ebd$100\u842c\u5c31\u591f\u4e86\u3002<\/p>\n<p>\u4e0d\u904e\uff0c\u9019\u4e9b\u5e38\u7528\u7684\u898f\u5247\u9084\u53ea\u662f\u4e00\u500b\u8d77\u9ede\uff0c\u56e0\u7232\u6211\u5011\u9084\u8981\u8003\u616e\u8af8\u5982\u901a\u8139\u7387\uff0c\u6295\u8cc7\u6536\u76ca\u7387\u4ee5\u53ca\u9000\u4f11\u5e74\u9f61\u7b49\u5f88\u591a\u56e0\u7d20\u3002\u6211\u7684\u9000\u4f11\u7bb4\u8a00\u662f\uff0c\u4f60\u7684\u9000\u4f11\u898f\u5283\u53ef\u80fd\u662f\u5b8c\u7f8e\u7684\uff0c\u4f46\u6211\u5011\u4f5c\u7232\u4eba\u5e77\u4e0d\u5b8c\u7f8e\u3002<\/p>\n<p>\u751a\u81f34%\u898f\u5247\u548c25X\u898f\u5247\u4e5f\u6709\u81ea\u5df1\u7684\u7f3a\u9677\uff0c\u56e0\u7232\u5b83\u672a\u7d93\u5e74\u53d6\u6b3e\u984d\u7684\u8abf\u6574\uff0c\u4e5f\u6c92\u6709\u628a\u985e\u4f3cF.I.R.E\uff08\u8ca1\u52d9\u7368\u7acb\u548c\u63d0\u524d\u9000\u4f11\uff09\u7b49\u751f\u6d3b\u65b9\u5f0f\u904b\u52d5\u8003\u616e\u5728\u5167\u3002\u56e0\u6b64\uff0c\u6211\u5011\u9084\u53ef\u4ee5\u4f7f\u7528\u8ca1\u52d9\u8a08\u7b97\u5668\u4f86\u5c0d\u6578\u64da\u9032\u884c\u6838\u67e5\u3002<\/p>\n<p>\u518d\u8209\u4e00\u500b\u4f8b\u5b50\uff1aNicole\u73fe\u5e7430\u6b72\uff0c\u5de5\u8cc7$6\u842c\u3002\u5979\u60f3\u898160\u6b72\u9000\u4f11\u5e77\u7dad\u6301\u7576\u524d\u7684\u751f\u6d3b\u65b9\u5f0f\u3002\u4f30\u7b97\u901a\u8139\u7387\u72322.5%\uff0c\u7d93\u8ca1\u52d9\u8a08\u7b97\u5668\u7684\u6838\u7b97\uff0cNicole\u9000\u4f11\u5f8c\u6bcf\u5e74\u9700\u8981$12.5\u842c\u3002\u60f3\u8981\u5be6\u73fe\u9019\u4e00\u9000\u4f11\u76ee\u6a19\uff0cNicole\u6bcf\u5e74\u5c07\u9700\u8981\u5b58$1\u842c\uff0c\u5e74\u6536\u76ca\u7387\u72328%\u3002\u795e\u5947\u7684\u662f\uff0c\u5982\u679c\u4f60\u62ff$1\u842c\u9664\u4ee5Nancy\u7684\u5e74\u6536\u5165\uff0c\u5f97\u5230\u7684\u767e\u5206\u6bd4\u662f16.7%\uff0c\u8ddfRRSP\u7684\u4f9b\u6b3e\u4e0a\u9650\uff08\u524d\u4e00\u5e74\u6536\u5165\u768418%\uff09\u76f8\u53bb\u4e0d\u9060\u3002\u5982\u6b64\u770b\u4f86\uff0c\u52a0\u62ff\u5927\u653f\u5e9c\u5e77\u4e0d\u662f\u96a8\u610f\u51b3\u5b9a\u4f9b\u6b3e\u6bd4\u4f8b\u7684\u3002\u6309\u7167\u653f\u5e9c\u7684\u8a2d\u60f3\uff0c\u5982\u679c\u4f60\u80fd\u6bcf\u5e74\u62ff\u51fa15-18%\u7684\u6536\u5165\u5b58\u4e0b\u4f86\u5e77\u7372\u5f97\u4e00\u500b\u9577\u671f\u5408\u7406\u7684\u6536\u76ca\u7387\uff0c\u9000\u4f11\u57fa\u672c\u5c31\u4e0d\u6210\u554f\u984c\u4e86\u3002<\/p>\n<h2>\u5982\u4f55\u898f\u5283\u9000\u4f11\u5f8c\u7684\u751f\u6d3b\uff1f<\/h2>\n<p>\u5982\u4f55\u898f\u5283\u9000\u4f11\u5f8c\u7684\u751f\u6d3b\uff0c\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