{"id":368779,"date":"2021-02-07T23:54:39","date_gmt":"2021-02-08T07:54:39","guid":{"rendered":"https:\/\/nai500.com\/blog\/2021\/02\/2021%e5%b9%b4rrsp%e5%ad%a3-tfsa\/"},"modified":"2021-02-07T23:55:20","modified_gmt":"2021-02-08T07:55:20","slug":"2021%e5%b9%b4rrsp%e5%ad%a3-tfsa","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hant\/blog\/2021\/02\/2021%e5%b9%b4rrsp%e5%ad%a3-tfsa\/","title":{"rendered":"2021\u5e74RRSP\u5b63\uff0cTFSA\u6216\u8a31\u662f\u66f4\u597d\u7684\u51cf\u7a05\u9078\u64c7"},"content":{"rendered":"<p>2021\u5e74\u7684RRSP\u5b63\u5982\u7d04\u800c\u81f3\uff0c\u4f9b\u6b3e\u622a\u6b62\u65e5\u671f\u72323\u67081\u65e5\u3002\u5f80\u5e74\u7d55\u5927\u591a\u6578\u6642\u5019\uff0c\u6295\u8cc7\u8005\u6703\u4e0d\u5047\u601d\u7d22\u5730\u9078\u64c7\u6ce8\u518c\u9000\u4f11\u5132\u84c4\u8a08\u5283\uff08RRSP\uff09\uff0c\u4e0d\u904e\u4eca\u5e74\u53d7\u65b0\u51a0\u75ab\u60c5\u7684\u5f71\u97ff\uff0c\u514d\u7a05\u5132\u84c4\u5e33\u6236\uff08TFSA\uff09\u6216\u8a31\u662f\u66f4\u597d\u7684\u51cf\u7a05\u9078\u64c7\uff08<a href=\"https:\/\/nai500.com\/zh-hant\/blog\/2021\/02\/%E5%8A%A0%E6%8B%BF%E5%A4%A7-%E6%B3%A8%E5%86%8C%E9%80%80%E4%BC%91%E5%84%B2%E8%93%84%E8%A8%88%E5%8A%83rrsp\/\">2021\u5e74\u52a0\u62ff\u5927\u6ce8\u518c\u9000\u4f11\u5132\u84c4\u8a08\u5283RRSP\u7684\u7d42\u6975\u6307\u5357<\/a>\uff09\u3002<\/p>\n<p>\u6e96\u78ba\u4f86\u8aaa\uff0c\u9019\u4e00\u622a\u6b62\u65e5\u671f\u91dd\u5c0d\u7684\u662f2020\u5e74\u7684\u6536\u5165\uff0c\u5373\u5728\u9019\u4e4b\u524d\u7684RRSP\u4f9b\u6b3e\u6263\u9664\u7684\u662f\u53bb\u5e74\u7684\u6536\u5165\u3002\u904e\u53bb\u4e00\u5e74\uff0c\u75ab\u60c5\u8feb\u4f7f\u5927\u7d0440%\u7684\u4eba\u5728\u5bb6\u8fa6\u516c\uff0c\u5176\u4ed6\u4eba\u53ef\u80fd\u66f4\u6158\uff0c\u6536\u5165\u5927\u5e45\u51cf\u5c11\u751a\u81f3\u65b7\u7d55\u4e86\u6536\u5165\u4f86\u6e90\u3002\u8003\u616e\u5230\u6536\u5165\u7684\u51cf\u5c11\u4ee5\u53ca\u653f\u5e9c\u63a8\u51fa\u7684\u9762\u5411\u75ab\u60c5\u53d7\u5f71\u97ff\u4eba\u7fa4\u7684\u7a05\u6536\u512a\u60e0\u653f\u7b56\uff0cRRSP\u7684\u7bc0\u7a05\u6548\u679c\u6709\u53ef\u80fd\u4e5f\u8ddf\u8457\u55aa\u5931\u6216\u8005\u51cf\u5f31\u4e86\u3002<\/p>\n<p>\u7232\u4ec0\u9ebd\u6703\u9019\u6a23\uff1f\u7d0d\u7a05\u4eba\u7684\u6536\u5165\u90fd\u8981\u6309\u7167\u908a\u969b\u7a05\u7387\u7e73\u7d0d\u806f\u90a6\u548c\u7701\u7d1a\u7684\u500b\u4eba\u6240\u5f97\u7a05\uff0c\u6536\u5165\u8d8a\u9ad8\uff0c\u7a05\u7387\u4e5f\u8d8a\u9ad8\u3002\u6bd4\u5982\u8aaa\uff0c\u6700\u9ad8\u6536\u5165\u6c34\u5e73\u7d0d\u7a05\u4eba\u7684\u5408\u5e77\u7a05\u7387\u9ad8\u905450%\uff0c\u800c\u4f4e\u6536\u5165\u8005\u7684\u7a05\u7387\u53ef\u80fd\u9084\u4e0d\u523020%\u3002\u4e5f\u5c31\u662f\u8aaa\uff0cRRSP\u4f9b\u6b3e\u53ef\u4ee5\u7232\u9ad8\u6536\u5165\u8005\u63d0\u4f9b50%\u7684\u7a05\u6536\u51cf\u514d\uff0c\u800c\u4f4e\u6536\u5165\u8005\u7684\u7a05\u6536\u51cf\u514d\u5c07\u4e0d\u523020%\u3002<\/p>\n<p>\u63db\u53e5\u8a71\u8aaa\uff0cRRSP\u66f4\u52a0\u9069\u7528\u4e8e\u6709\u9322\u4eba\u548c\u9ad8\u6536\u5165\u968e\u6bb5\u3002\u5982\u679c\u8aaa\u4f602020\u5e74\u7684\u6536\u5165\u51fa\u73fe\u4e86\u4e0b\u6ed1\uff0c\u90a3\u9ebd\u73fe\u5728\u6700\u597d\u7684\u9078\u64c7\u662f\u66ab\u505c\u5411RRSP\u4f9b\u6b3e\uff0c\u7b49\u52302021\u5e74\u6216\u8005\u662f\u6536\u5165\u8f03\u9ad8\u7684\u5e74\u4efd\u518d\u53bb\u4f9b\u6b3e\u5c07\u7232\u4f60\u7bc0\u7701\u66f4\u591a\u7684\u7a05\u91d1\u3002\u5982\u679c\u4f60\u80fd\u78ba\u5b9a\u81ea\u5df12020\u5e74\u7684\u61c9\u7d0d\u7a05\u6536\u5165\uff0c\u53ef\u4ee5\u901a\u904e\u7db2\u4e0a\u7684\u8a08\u7b97\u5668\u6838\u7b97\u9000\u7a05\u6578\u984d\u3002<\/p>\n<p>RRSP\u672c\u8cea\u4e0a\u662f\u4e00\u500b\u5ef6\u7a05\u8cec\u6236\uff0c\u8cec\u6236\u4e2d\u7684\u4f9b\u6b3e\u5e77\u4e0d\u662f\u771f\u7684\u514d\u7a05\uff0c\u800c\u662f\u5ef6\u5f8c\u5230\u53d6\u6b3e\u6642\u518d\u5fb5\u6536\u3002\u56e0\u6b64\uff0cRRSP\u7bc0\u7a05\u7684\u57fa\u672c\u6a5f\u5236\u662f\u9ad8\u6536\u5165\u9ad8\u7a05\u7387\u6642\u4f9b\u6b3e\uff0c\u4f4e\u6536\u5165\u4f4e\u7a05\u7387\u6642\u53d6\u6b3e\u3002<\/p>\n<p>\u6b64\u5916\uff0c\u52a0\u62ff\u5927\u653f\u5e9c\u91dd\u5c0d\u75ab\u60c5\u4e5f\u63a8\u51fa\u4e86\u76f8\u61c9\u7684\u7a05\u6536\u512a\u60e0\u653f\u7b56\uff0c\u6bd4\u5982\u8aaa\u6700\u9ad8$400\u7684\u7c21\u5316\u7248\u5c45\u5bb6\u8fa6\u516c\u7a05\u6536\u6263\u9664\uff0c\u5982\u679c\u4f60\u80fd\u591f\u63d0\u4f9b\u66f4\u8a73\u7d30\u7684\u5c45\u5bb6\u8fa6\u516c\u8cbb\u7528\uff0c\u6263\u9664\u91d1\u984d\u9084\u6703\u66f4\u9ad8\uff08<a href=\"https:\/\/nai500.com\/zh-hant\/blog\/2020\/12\/%E5%8A%A0%E6%8B%BF%E5%A4%A7-%E5%9C%A8%E5%AE%B6%E8%BE%A6%E5%85%AC%E8%B2%BB%E7%94%A8-%E5%87%8F%E7%A8%85%E6%96%B0%E8%A6%8F\/\">\u52a0\u62ff\u5927\u5ba3\u5e03\u7c21\u5316\u7248\u5728\u5bb6\u8fa6\u516c\u8cbb\u7528\u51cf\u7a05\u65b0\u898f\uff0c\u6700\u9ad8\u6263\u51cf400\u52a0\u5143\uff01<\/a>\uff09\u3002<\/p>\n<p>\u5982\u679c\u4f602020\u5e74\u6536\u5165\u6c34\u5e73\u4e0d\u9ad8\uff0c\u4f46\u4ecd\u6709\u9918\u9322\uff0cTFSA\u53ef\u80fd\u80fd\u591f\u63d0\u4f9b\u66f4\u597d\u7684\u7a05\u6536\u512a\u60e0\u3002TFSA\u7684\u4f9b\u6b3e\u96d6\u7136\u4e0d\u80fd\u50cfRRSP\u4e00\u6a23\u6263\u9664\u6536\u5165\u4e2d\uff0c\u4f46\u8cec\u6236\u4e2d\u7523\u751f\u7684\u4efb\u4f55\u6536\u76ca\u90fd\u662f\u514d\u7a05\u7684\uff0c\u53d6\u6b3e\u6642\u4e5f\u7121\u9700\u5fb5\u7a05\u3002<\/p>\n<p>TFSA\u7684\u7bc0\u7a05\u4f5c\u7528\u53ea\u767c\u751f\u4e8e\u8cec\u6236\u4e2d\u7684\u6295\u8cc7\uff0c\u4f46\u4f5c\u7232\u9000\u4f11\u5132\u84c4\u5de5\u5177\u4e5f\u662fRRSP\u7684\u6709\u76ca\u88dc\u5145\u3002\u4e0a\u9762\u5df2\u7d93\u63d0\u5230\uff0cRRSP\u7684\u53d6\u6b3e\u662f\u8981\u6309\u7167\u908a\u969b\u7a05\u7387\u5168\u984d\u5fb5\u7a05\u7684\u3002\u56e0\u6b64\uff0c\u4e00\u822c\u60c5\u51b5\u4e0b\uff0c\u7d0d\u7a05\u4eba\u61c9\u8a72\u5148\u628a\u5de5\u4f5c\u671f\u9593\u7684\u4f59\u9322\u5b58\u5165RRSP\uff0c\u5e77\u4e14\u6700\u597d\u4e0d\u8981\u63d0\u524d\u53d6\u6b3e\uff0c\u7b49\u5230\u9000\u4f11\u5f8c\u518d\u53d6\u51fa\u3002\u5982\u679cRRSP\u7684\u4f9b\u6b3e\u984d\u7528\u5149\u5f8c\u9084\u6709\u591a\u9918\u7684\u73fe\u91d1\uff0c\u53ef\u4ee5\u518d\u5b58\u5165TFSA\uff0c\u7528\u4e8e\u65e5\u5f8c\u53ef\u80fd\u7684\u61c9\u6025\u8cc7\u91d1\u3002<\/p>\n<p>\u91d1\u878d\u884c\u696d\u5f80\u5f80\u6703\u6709\u610f\u88fd\u9020\u4e00\u7a2e\u7dca\u8feb\u611f\uff0c\u8b93\u7d0d\u7a05\u4eba\u8d95\u5728\u622a\u6b62\u65e5\u671f\u524d\u5411RRSP\u4f9b\u6b3e\u3002\u4e0d\u904e\u6211\u5011\u5927\u53ef\u4e0d\u5fc5\u8457\u6025\uff0cRRSP\u7684\u4f9b\u6b3e\u984d\u5ea6\u662f\u53ef\u4ee5\u7d50\u8f49\u81f3\u672a\u4f86\u5e74\u4efd\u7684\uff0c\u9019\u6a23\u53cd\u800c\u7232\u6295\u8cc7\u8005\u672a\u4f86\u8abf\u7bc0RRSP\u548cTFSA\u4e4b\u9593\u7684\u4f9b\u6b3e\u63d0\u4f9b\u4e86\u66f4\u5927\u7684\u9918\u5730\u3002<\/p>\n<p>\u5982\u679c\u4f60\u4eca\u5e74\u9078\u64c7\u5411TFSA\u4f9b\u6b3e\uff0c\u5c31\u6709\u5fc5\u8981\u77ad\u89e3\u4ee5\u4e0b\u9019\u4e9b\u4fe1\u606f\u9ede\uff1a\u9996\u5148TFSA\u4f9b\u6b3e\u6c92\u6709\u622a\u6b62\u65e5\u671f\uff0c\u53e6\u5916\u52a0\u62ff\u5927\u653f\u5e9c\u5df2\u7d93\u6279\u51c62021\u5e74\u65b0\u589e$6000\u7684\u4f9b\u6b3e\u984d\u5ea6\u3002\u6700\u5f8c\uff0c\u5982\u679c2009\u5e74TFSA\u9762\u4e16\u6642\u4f60\u5df2\u7d93\u5e74\u6eff18\u6b72\uff0c\u73fe\u5728\u8cec\u6236\u7e3d\u7684\u4f9b\u6b3e\u984d\u5ea6\u7232$7.55\u842c\uff08<a href=\"https:\/\/nai500.com\/zh-hant\/blog\/2020\/11\/2021%E5%B9%B4-tfsa%E9%A1%8D%E5%BA%A6\/\">\u5b98\u5ba3\uff1a2021\u5e74\u7684TFSA\u984d\u5ea6\u78ba\u5b9a\u7232$6000<\/a>\uff09\u3002<\/p>\n<p>\u5047\u8a2d\u52a0\u62ff\u5927\u653f\u5e9c\u672a\u4f86\u7e7c\u7e8c\u4e0a\u8abf\u4f9b\u6b3e\u984d\u5ea6\uff0cTFSA\/RRSP\u7684\u8cec\u6236\u7d44\u5408\u5c07\u6210\u7232\u4e00\u500b\u975e\u5e38\u5f3a\u5927\u7684\u7bc0\u7a05\u5229\u5668\u3002<\/p>\n<p><strong>\u4f5c\u8005\u4ecb\u7d39\uff1a<\/strong><\/p>\n<p>Thomas C.Chan\u64c1\u6709\u5341\u591a\u5e74\u7684\u8aee\u8a62\u5de5\u4f5c\u7d93\u9a57\uff0c\u5c08\u6ce8\u65bc\u70ba\u52a0\u62ff\u5927\u4eba\u627e\u5230\u5236\u5b9a\u500b\u4eba\u8ca1\u52d9\u7b56\u7565\u3001\u8a2d\u7acb\u98a8\u96aa\u7ba1\u63a7\u4ee5\u53ca\u7a4d\u7d2f\u8ca1\u5bcc\u7684\u5c08\u696d\u65b9\u6cd5\uff0c\u5728\u696d\u5167\u7372\u5f97\u4e86\u826f\u597d\u7684\u8072\u8b7d\u3002<\/p>\n<p>\u8acb\u95dc\u6ce8\u4ed6\u7684YouTube\u983b\u9053\uff0c\u4ed6\u6703\u5728YouTube\u4e0a\u5206\u4eab\u4ed6\u7684\u77e5\u8b58\u548c\u898b\u89e3\uff0c\u53ef\u4ee5\u5e6b\u52a9\u60a8\u505a\u51fa\u6709\u95dc\u9000\u4f11\u3001\u8ca1\u5bcc\u548c\u4fdd\u96aa\u7684\u5408\u9069\u8ca1\u52d9\u6c7a\u7b56\u3002<\/p>\n<p>\u4ed6\u7684\u8fa6\u516c\u5730\u9ede\u4f4d\u65bc\u5351\u8a69\u7701\u7684\u5217\u6cbb\u6587\uff0c\u60a8\u4e5f\u53ef\u4ee5\u5728Facebook\u4e0a\u6216\u8005\u662f\u901a\u904e\u96fb\u5b50\u90f5\u4ef6\u8207\u4ed6\u53d6\u5f97\u806f\u7e6b\uff0c\u514d\u8cbb\u9810\u7d04\u4e00\u6b21\u8aee\u8a62\uff0c\u767c\u73fe\u4f60\u7684\u8ca1\u52d9\u6f5b\u529b\u3002<\/p>\n<p>\u5728\u696d\u9918\u6642\u9593\uff0cThomas\u559c\u6b61\u6253\u7fbd\u6bdb\u7403\u4e26\u96a8\u6642\u6b61\u8fce\u5927\u5bb6\u52a0\u5165\u3002<\/p>\n<p>\u7db2\u7ad9\uff1a<a href=\"https:\/\/www.thomascchan.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Thomascchan.com<\/a><\/p>\n<p>Youtube\uff1a<a href=\"https:\/\/www.youtube.com\/thomascchan\" target=\"_blank\" rel=\"noopener noreferrer\">www.youtube.com\/thomascchan<\/a><\/p>\n<p>Facebook\uff1a<a href=\"https:\/\/www.facebook.com\/ThomaswithNovella\/\" target=\"_blank\" rel=\"noopener noreferrer\">Thomas C Chan<\/a><\/p>\n<p>\u96fb\u5b50\u90f5\u7bb1\uff1a<a href=\"mailto:thomaschan@novellawealth.com\" target=\"_blank\" rel=\"noopener noreferrer\">thomaschan@novellawealth.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>2021\u5e74\u7684RRSP\u5b63\u5982\u7d04\u800c\u81f3\uff0c\u4f9b\u6b3e\u622a\u6b62\u65e5\u671f\u72323\u67081\u65e5\u3002\u5f80\u5e74\u7d55\u5927\u591a\u6578\u6642\u5019\uff0c\u6295\u8cc7\u8005\u6703\u4e0d\u5047\u601d\u7d22\u5730\u9078\u64c7\u6ce8\u518c\u9000\u4f11\u5132\u84c4\u8a08 [&hellip;]<\/p>\n","protected":false},"author":27,"featured_media":368776,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[431],"tags":[1788],"class_list":["post-368779","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trends-strategies-zh-hant","tag-1788","sectors-financial-products-zh-hant","locations-canada-zh-hant"],"acf":[],"_links":{"self":[{"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/posts\/368779","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\/27"}],"replies":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/comments?post=368779"}],"version-history":[{"count":0,"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/posts\/368779\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/media\/368776"}],"wp:attachment":[{"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/media?parent=368779"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/categories?post=368779"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/tags?post=368779"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}