{"id":393856,"date":"2021-08-15T18:10:12","date_gmt":"2021-08-16T01:10:12","guid":{"rendered":"https:\/\/nai500.com\/blog\/2021\/08\/%e5%8a%a0%e6%8b%bf%e5%a4%a7%e8%81%94%e9%82%a6%e9%80%89%e4%b8%be%ef%bc%9a%e9%80%80%e4%bc%91%e5%82%a8%e8%93%84%e4%bc%9a%e6%88%90%e4%b8%ba%e6%94%b6%e5%89%b2%e5%af%b9%e8%b1%a1%e5%90%97%ef%bc%9f\/"},"modified":"2021-08-15T18:11:56","modified_gmt":"2021-08-16T01:11:56","slug":"%e5%8a%a0%e6%8b%bf%e5%a4%a7%e8%81%af%e9%82%a6%e9%81%b8%e8%88%89%ef%bc%9a%e9%80%80%e4%bc%91%e5%84%b2%e8%93%84%e6%9c%83%e6%88%90%e7%88%b2%e6%94%b6%e5%89%b2%e5%b0%8d%e8%b1%a1%e5%97%8e%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/nai500.com\/zh-hant\/blog\/2021\/08\/%e5%8a%a0%e6%8b%bf%e5%a4%a7%e8%81%af%e9%82%a6%e9%81%b8%e8%88%89%ef%bc%9a%e9%80%80%e4%bc%91%e5%84%b2%e8%93%84%e6%9c%83%e6%88%90%e7%88%b2%e6%94%b6%e5%89%b2%e5%b0%8d%e8%b1%a1%e5%97%8e%ef%bc%9f\/","title":{"rendered":"\u52a0\u62ff\u5927\u806f\u90a6\u9078\u8209\uff1a\u9000\u4f11\u5132\u84c4\u6703\u6210\u7232\u6536\u5272\u5c0d\u8c61\u55ce\uff1f"},"content":{"rendered":"

\u52a0\u62ff\u5927\u9000\u4f11\u6295\u8cc7\u8005\u61c9\u7576\u5bc6\u5207\u95dc\u6ce8\u5c07\u4e8e9\u670820\u65e5\u63d0\u524d\u8209\u884c\u7684\u806f\u90a6\u8846\u8b70\u9662\u9078\u8209\u3002\u653f\u5e9c\u65e2\u662f\u7d66\u4e88\u8005\uff0c\u4e5f\u662f\u7d22\u53d6\u8005\u3002\u5230\u76ee\u524d\u7232\u6b62\uff0c\u52a0\u62ff\u5927\u653f\u5e9c\u7684\u65b0\u51a0\u75ab\u60c5\u652f\u51fa\u4f30\u7b97\u5df2\u7d93\u8d85\u904e$2000\u5104\uff0c\u73fe\u5728\u6025\u9700\u5275\u6536\u6e20\u9053\u3002\u52a0\u62ff\u5927\u4eba\u7684\u9000\u4f11\u5132\u84c4\u7a05\u6536\u51cf\u514d\u653f\u7b56\u6703\u5426\u6210\u7232\u4e0b\u4e00\u5c4a\u806f\u90a6\u653f\u5e9c\u7684\u6536\u5272\u76ee\u6a19\u55ce\uff1f<\/p>\n

\u6536\u5272\u52a0\u62ff\u5927\u9000\u4f11\u5132\u84c4\u7684\u6642\u6a5f\u6216\u8a31\u5df2\u7d93\u6210\u719f\u3002\u56e0\u6b64\uff0c\u6563\u6236\u6295\u8cc7\u8005\u6295\u7968\u7d66\u5019\u9078\u4eba\u4e4b\u524d\uff0c\u771f\u7684\u61c9\u8a72\u554f\u6e05\u695a\u4ee5\u4e0b\u90194\u500b\u554f\u984c\u3002<\/p>\n

1. TFSA\u9084\u7e7c\u7e8c\u201c\u514d\u7a05\u201d\u55ce\uff1f<\/h2>\n

2008\u5e74\u5168\u7403\u91d1\u878d\u5371\u6a5f\u7206\u767c\u5f8c\uff0c\u7232\u4e86\u91cd\u62fe\u6295\u8cc7\u8005\u5c0d\u4e8e\u8cc7\u672c\u5e02\u5834\u7684\u4fe1\u5fc3\uff0c\u7576\u6642Stephen Harper\u9818\u5c0e\u7684\u4fdd\u5b88\u9ee8\u653f\u5e9c\u9996\u6b21\u63a8\u51fa\u4e86\u514d\u7a05\u5132\u84c4\u5e33\u6236\uff08TFSA\uff09\u3002\u9867\u540d\u601d\u7fa9\uff0cTFSA\u4f9b\u6b3e\u7684\u6295\u8cc7\u6536\u76ca\u6c38\u4e0d\u5fb5\u7a05\uff08\u7f8e\u570b\u80a1\u606f\u9664\u5916\uff09\uff0c\u56e0\u6b64\u6210\u7232\u4e86\u52a0\u62ff\u5927\u4eba\u9000\u4f11\u5f8c\u7372\u5f97\u514d\u7a05\u6536\u5165\u7684\u7406\u60f3\u4f86\u6e90\uff08TFSA\u771f\u7684\u514d\u7a05\u55ce\uff1f\u5982\u4f55\u898f\u907f\u80a1\u606f\u6240\u5f97\u7a05\uff1f<\/a>\uff09\u3002<\/p>\n

\u81ea\u5f9e\u554f\u4e16\u4ee5\u4f86\uff0cTFSA\u7684\u7e3d\u4f9b\u6b3e\u984d\u5ea6\u6bcf\u5e74\u90fd\u6709\u589e\u52a0\uff0c2021\u5e74\u589e\u52a0\u4e86$6000\u3002\u4e5f\u5c31\u662f\u8aaa\uff0c\u4efb\u4f552009\u5e74\u5df2\u7d93\u5e74\u6eff18\u6b72\u7684\u52a0\u62ff\u5927\u4eba\u7684\u7d2f\u8a08\u4f9b\u6b3e\u984d\u5ea6\u76ee\u524d\u5df2\u7d93\u9ad8\u9054$7.55\u842c\uff08\u5b98\u5ba3\uff1a2021\u5e74\u7684TFSA\u984d\u5ea6\u78ba\u5b9a\u7232$6000<\/a>\uff09\u3002<\/p>\n

\u672a\u4f86\u5e7e\u5e74\uff0cTFSA\u4f9b\u6b3e\u589e\u984d\u7684\u591a\u5c11\u5c07\u53d6\u51b3\u4e8e\u638c\u6b0a\u7684\u653f\u5e9c\u3002\u8a72\u514d\u7a05\u8cec\u6236\u6bcf\u5e74\u7684\u589e\u984d\u5f9e2009\u5e74\u7684$5000\u5347\u81f32015\u5e74\u7684$1\u842c\u30022016\u5e74\uff0c\u7576\u6642\u57f7\u653f\u7684\u4fdd\u5b88\u9ee8\u5c07\u589e\u984d\u63d0\u9ad8\u81f3\u901a\u8139\u8abf\u6574\u5f8c\u7684$1.05\u842c\uff0c\u76f4\u5230\u81ea\u7531\u515a\u4e0a\u81fa\u5f8c\u91cd\u65b0\u4e0b\u8abf\u81f3$5500\u3002<\/p>\n

TFSA\u672a\u4f86\u7684\u4f9b\u6b3e\u984d\u5ea6\u5b58\u5728\u8457\u4e0d\u78ba\u5b9a\u6027\u3002\u6b64\u5916\uff0c\u4e0b\u4e00\u5c4a\u653f\u5e9c\u6709\u6b0a\u57fa\u4e8e\u5404\u7a2e\u7406\u7531\u5c0d\u8a72\u8cec\u6236\u7684\u6295\u8cc7\u6536\u76ca\u9032\u884c\u5fb5\u7a05\uff0c\u6bd4\u5982\u8aaa\u6295\u8cc7\u6536\u76ca\u9054\u5230\u4e00\u5b9a\u81e8\u754c\u503c\u3002<\/p>\n

2. RRSP\u7684\u53d6\u6b3e\u7a05\u7387\u6703\u5426\u63d0\u9ad8\uff1f<\/h2>\n

1957\u5e74Louis St. Laurent\u9818\u5c0e\u7684\u81ea\u7531\u515a\u653f\u5e9c\u63a8\u51fa\u6ce8\u518c\u9000\u4f11\u5132\u84c4\u8a08\u5283\uff08RRSP\uff09\u4ee5\u4f86\uff0cRRSP\u5c31\u6210\u7232\u4e86\u52a0\u62ff\u5927\u4eba\u9000\u4f11\u6295\u8cc7\u7684\u5fc5\u5099\u5de5\u5177\u3002\u52a0\u62ff\u5927\u4e4b\u6240\u4ee5\u559c\u611bRRSP\uff0c\u4e00\u500b\u91cd\u8981\u7684\u539f\u56e0\u5728\u4e8e\u8a72\u8cec\u6236\u7684\u4f9b\u6b3e\u53ef\u4ee5\u76f4\u63a5\u6263\u51cf\u908a\u969b\u7a05\u7387\u9ad8\u7684\u5e74\u4efd\u7684\u61c9\u7d0d\u7a05\u6240\u5f97\uff0c\u6295\u8cc7\u7372\u5f97\u6578\u5341\u5e74\u7684\u514d\u7a05\u589e\u9577\uff0c\u4ee5\u53ca\u5728\u908a\u969b\u7a05\u7387\u4f4e\u7684\u5e74\u4efd\uff08\u7406\u60f3\u60c5\u51b5\u4e0b\u662f\u9000\u4f11\u5f8c\uff09\u53d6\u6b3e\u3002<\/p>\n

RRSP\u5df2\u7d93\u6210\u7232\u4e86\u4e0d\u53ef\u89f8\u78b0\u7684\u5236\u5ea6\uff0c\u4efb\u4f55\u60f3\u8981\u6253\u5b83\u6ce8\u610f\u7684\u653f\u5e9c\u7121\u5f02\u4e8e\u653f\u6cbb\u81ea\u6bba\u3002\u4e0d\u904e\uff0c\u5982\u679c\u4e0a\u8abf\u4f4e\u7d1a\u8ddd\u7684\u908a\u969b\u7a05\u7387\uff0c\u9019\u4e00\u8cec\u6236\u7684\u512a\u52e2\u53ef\u80fd\u5c31\u8981\u6253\u6298\u6263\u4e86\uff08\u52a0\u62ff\u5927RRSP\u53d6\u6b3e\u7684\u898f\u5247\u548c\u6ce8\u610f\u4e8b\u9805\uff0c\u4f60\u9700\u8981\u77ad\u89e3\uff01<\/a>\uff09\u3002<\/p>\n

3. \u975e\u6ce8\u518c\u6295\u8cc7\u7684\u8cc7\u672c\u5229\u5f97\u7a05\u6703\u5426\u4e0a\u8abf\uff1f<\/h2>\n

1971\u5e74\uff0c\u81ea\u7531\u9ee8\u653f\u5e9c\u9996\u6b21\u5c0d\u6ce8\u518c\u8cec\u6236\uff08\u6bd4\u5982\u8aaaTFSA\u548cRRSP\uff09\u4ee5\u5916\u7684\u6295\u8cc7\u6536\u76ca\u5fb5\u6536\u8cc7\u672c\u5229\u5f97\u7a05\u3002\u7576\u6642\u7684\u61c9\u7d0d\u7a05\u6bd4\u4f8b\uff08inclusion rate\uff09\u723250%\uff0c\u4e5f\u5c31\u662f\u6295\u8cc7\u6536\u76ca\u7684\u4e00\u534a\u9700\u8981\u7e73\u7a05\u30021988\u5e74\uff0c\u4fdd\u5b88\u9ee8\u5c07\u9019\u4e00\u6bd4\u4f8b\u4e0a\u8abf\u81f366.67%\uff0c1990\u5e74\u518d\u6b21\u4e0a\u8abf\u81f375%\u3002\u6700\u5f8c\uff0c\u81ea\u7531\u515a\u653f\u5e9c\u5c07\u61c9\u7d0d\u7a05\u6bd4\u4f8b\u6062\u5fa9\u81f350%\u5e77\u5ef6\u7e8c\u81f3\u4eca\u3002<\/p>\n

\u5f88\u591a\u5df2\u7d93\u7528\u5b8cTFSA\u4f9b\u6b3e\u984d\u5ea6\uff0c\u6216\u8005\u662fRRSP\u53d6\u6b3e\u9762\u81e8\u9ad8\u908a\u969b\u7a05\u7387\u7684\u9000\u4f11\u6295\u8cc7\u8005\u7684\u6536\u5165\u4f9d\u8cf4\u4e8e\u975e\u6ce8\u518c\u8cc7\u672c\u5229\u5f97\u3002\u61c9\u7d0d\u7a05\u6bd4\u4f8b\u7684\u63d0\u9ad8\u5c07\u56b4\u91cd\u640d\u5bb3\u4ed6\u5011\u7684\u9000\u4f11\u6536\u5165\u3002\u6709\u4eba\u5efa\u8b70\u4e0b\u8abf\u8cc7\u672c\u5229\u5f97\u7684\u514d\u7a05\u6bd4\u4f8b\uff0c\u6216\u8005\u662f\u8abf\u6574\u8cc7\u672c\u5229\u5f97\u7684\u7d42\u8eab\u514d\u7a05\u9580\u6abb\uff0c\u4f46\u76ee\u524d\u9019\u4e9b\u90fd\u9084\u505c\u7559\u5728\u8a0e\u8ad6\u968e\u6bb5\u3002<\/p>\n

4. \u4e3b\u8981\u4f4f\u6240\u5c07\u7e7c\u7e8c\u514d\u7e73\u8cc7\u672c\u589e\u503c\u7a05\u55ce\uff1f<\/h2>\n

\u6309\u7167\u73fe\u884c\u6cd5\u5f8b\u7684\u898f\u5b9a\uff0c\u52a0\u62ff\u5927\u4eba\u51fa\u552e\u4e3b\u8981\u4f4f\u6240\u7523\u751f\u7684\u8cc7\u672c\u5229\u5f97\u7121\u9700\u7e73\u7d0d\u4efb\u4f55\u7a05\u91d1\u3002\u5f88\u591a\u52a0\u62ff\u5927\u4eba\u90fd\u628a\u81ea\u5df1\u7684\u9000\u4f11\u5132\u84c4\u90fd\u62bc\u5728\u4e86\u623f\u7523\u4e0a\uff0c\u727d\u6d89\u5229\u76ca\u91cd\u5927\uff0c\u56e0\u6b64\u4efb\u4f55\u60f3\u6253\u4e3b\u8981\u5c45\u6240\u514d\u7a05\u653f\u7b56\u7684\u653f\u9ee8\u4e5f\u76f8\u7576\u4e8e\u653f\u6cbb\u81ea\u6bba\u3002<\/p>\n

\u4e0d\u904e\uff0c\u9019\u4e00\u584a\u7684\u6f5c\u5728\u7a05\u6536\u898f\u6a21\u9ad8\u9054\u6578\u5341\u5104\uff0c\u5c0d\u4e8e\u73fe\u5728\u6025\u9700\u8cc7\u91d1\u7684\u653f\u5e9c\u4f86\u8aaa\u9084\u662f\u5f88\u6709\u8a98\u60d1\u529b\u7684\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

\u52a0\u62ff\u5927\u9000\u4f11\u6295\u8cc7\u8005\u61c9\u7576\u5bc6\u5207\u95dc\u6ce8\u5c07\u4e8e9\u670820\u65e5\u63d0\u524d\u8209\u884c\u7684\u806f\u90a6\u8846\u8b70\u9662\u9078\u8209\u3002\u653f\u5e9c\u65e2\u662f\u7d66\u4e88\u8005\uff0c\u4e5f\u662f\u7d22\u53d6\u8005\u3002\u5230\u76ee\u524d\u7232\u6b62\uff0c\u52a0 […]<\/p>\n","protected":false},"author":27,"featured_media":393853,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[431],"tags":[],"class_list":["post-393856","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-trends-strategies-zh-hant","sectors--zh-hant","sectors-financial-products-zh-hant","locations-canada-zh-hant"],"acf":[],"_links":{"self":[{"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/posts\/393856","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=393856"}],"version-history":[{"count":0,"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/posts\/393856\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/media\/393853"}],"wp:attachment":[{"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/media?parent=393856"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/categories?post=393856"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nai500.com\/zh-hant\/wp-json\/wp\/v2\/tags?post=393856"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}