{"id":100179,"date":"2025-12-23T17:56:01","date_gmt":"2025-12-23T22:56:01","guid":{"rendered":"https:\/\/www.chinesepress.com\/2025\/12\/23\/rrsp%e8%bf%91500%e4%b8%87%e4%b8%8d%e6%95%a2%e5%8f%96%ef%bc%9f%e5%8a%a0%e6%8b%bf%e5%a4%a7%e9%80%80%e4%bc%91%e5%a4%ab%e5%a6%87%e4%b8%ba%e5%b8%ae%e5%a5%b3%e5%84%bf%e4%b9%b0%e6%88%bf%e7%8a%af%e9%9a%be\/"},"modified":"2025-12-23T17:56:01","modified_gmt":"2025-12-23T22:56:01","slug":"rrsp%e8%bf%91500%e4%b8%87%e4%b8%8d%e6%95%a2%e5%8f%96%ef%bc%9f%e5%8a%a0%e6%8b%bf%e5%a4%a7%e9%80%80%e4%bc%91%e5%a4%ab%e5%a6%87%e4%b8%ba%e5%b8%ae%e5%a5%b3%e5%84%bf%e4%b9%b0%e6%88%bf%e7%8a%af%e9%9a%be","status":"publish","type":"post","link":"https:\/\/www.chinesepress.com\/pre\/archives\/100179","title":{"rendered":"RRSP\u8fd1500\u4e07\u4e0d\u6562\u53d6\uff1f\u52a0\u62ff\u5927\u9000\u4f11\u592b\u5987\u4e3a\u5e2e\u5973\u513f\u4e70\u623f\u72af\u96be"},"content":{"rendered":"<p>\u5728\u623f\u4ef7\u8d8a\u6765\u8d8a\u9ad8\u3001\u5e74\u8f7b\u5bb6\u5ead\u4e70\u623f\u538b\u529b\u4e0d\u65ad\u52a0\u5927\u7684\u60c5\u51b5\u4e0b\uff0c\u4e0d\u5c11\u5df2\u7ecf\u3001\u624b\u91cc\u6709\u79ef\u84c4\u7684\u7236\u6bcd\u53d1\u73b0\uff1a\u60f3\u5e2e\u5b69\u5b50\u4e70\u623f\uff0c\u53cd\u800c\u88ab\u9ad8\u989d\u7a0e\u6b3e\u201c\u5361\u4f4f\u201d\u4e86\u3002<\/p>\n<p>69\u5c81\u7684Kurt\u548c64\u5c81\u7684Eloise\u662f\u4e00\u5bf9\u9000\u4f11\u592b\u5987\uff0c\u4e8c\u4eba\u5747\u4e3a\u81ea\u4e3b\u7ba1\u7406\u6295\u8d44\u8005\uff0c\u4e3b\u8981\u4f9d\u9760\u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\uff08RRSP\uff09\u7684\u6295\u8d44\u56de\u62a5\u751f\u6d3b\u3002\u4ed6\u4eec\u7684RRSP\u5408\u8ba1\u8d44\u4ea7\u5df2\u8d85\u8fc7 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src=\"https:\/\/p0.51img.ca\/i\/694971fe070fb.jpeg\"><\/figure>\n<p>Kurt\u548cEloise\u66fe\u5728\u80fd\u6e90\u884c\u4e1a\u62e5\u6709\u9ad8\u85aa\u804c\u4e1a\uff0c\u4ece30\u591a\u5c81\u8d77\u4fbf\u6301\u7eed\u6309\u5e74\u5ea6\u4e0a\u9650\u5411RRSP\u4f9b\u6b3e\uff0c\u5e76\u572850\u591a\u5c81\u65f6\u63d0\u524d\u9000\u4f11\uff0c\u591a\u5e74\u6765\u5e7f\u6cdb\u65c5\u884c\u3002<\/p>\n<p>\u201c\u6211\u4eec\u73b0\u5728\u7684\u9000\u4f11\u8d26\u6237\u8d44\u4ea7\uff0c\u8fdc\u8fdc\u8d85\u8fc7\u4e00\u751f\u53ef\u80fd\u9700\u8981\u7684\u91d1\u989d\u3002\u201dKurt\u8868\u793a\uff0c\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u4ed6\u4eec\u7684\u975e\u6ce8\u518c\u80a1\u7968\u8d26\u6237\u548c\u514d\u7a0e\u50a8\u84c4\u8d26\u6237\uff08TFSA\uff09\u89c4\u6a21\u8981\u5c0f\u5f97\u591a\u3002<\/p>\n<p>\u76ee\u524d\uff0c\u4e24\u4eba\u7684\u5e74\u6536\u5165\u4e3b\u8981\u6765\u81eaKurt\u7684\u52a0\u62ff\u5927\u9000\u4f11\u91d1\uff08CPP\uff09\u4ee5\u53caRRSP\u63d0\u6b3e\uff0c\u5408\u8ba1\u7ea624\u4e07\u52a0\u5143\u3002<\/p>\n<p>\u4ed6\u4eec\u5e0c\u671b\u4e00\u6b21\u6027\u5411\u5973\u513f\u63d0\u4f9b40\u4e07\u81f350\u4e07\u52a0\u5143\uff0c\u7528\u4e8e\u8d2d\u623f\u9996\u4ed8\uff0c\u4f46\u62c5\u5fc3\u76f4\u63a5\u4eceRRSP\u53d6\u6b3e\u5c06\u9762\u4e34\u6781\u9ad8\u7684\u7a0e\u7387\u3002<\/p>\n<p>Kurt\u6700\u76f4\u63a5\u7684\u7591\u95ee\u662f\uff1a\u201c\u5982\u679c\u4eceRRSP\u4e2d\u53d6\u51fa100\u4e07\u52a0\u5143\uff0c\u662f\u4e0d\u662f\u8981\u548c\u7a0e\u52a1\u5c40\u5bf9\u534a\u5206\uff1f\u201d<\/p>\n<p><strong>\u4e13\u5bb6\u5206\u6790\uff1a\u76f4\u63a5\u53d6RRSP\u7a0e\u8d1f\u6700\u9ad8<\/strong><\/p>\n<p>\u4e3a\u6b64\uff0c\u5a92\u4f53\u54a8\u8be2\u4e86\u5b89\u7701Oakville\u7684HighView Financial Group\u8d22\u5bcc\u89c4\u5212\u8d1f\u8d23\u4ebaIan Calvert\u3002Calvert\u6307\u51fa\uff0c\u8d85\u8fc7480\u4e07\u52a0\u5143\u7684RRSP\u89c4\u6a21\u672c\u8eab\u5c31\u8bf4\u660e\u4e86\u957f\u671f\u7eaa\u5f8b\u6027\u6295\u8d44\u548c\u590d\u5229\u7684\u5a01\u529b\u3002\u4f46\u95ee\u9898\u5728\u4e8eRRSP\u63d0\u6b3e\u5c06\u88ab\u5168\u989d\u8ba1\u5165\u4e2a\u4eba\u6536\u5165\uff0c\u7a0e\u7387\u6781\u9ad8\u3002<\/p>\n<p>\u5982\u679c\u8fd9\u5bf9\u592b\u5987\u4e00\u6b21\u6027\u4eceRRSP\u4e2d\u53d6\u51fa100\u4e07\u52a0\u5143\uff0c\u5404\u81ea\u7533\u62a550\u4e07\u6536\u5165\uff0c\u5176\u4e2d\u7ea6\u4e00\u534a\u5c06\u843d\u516553.53%\u7684\u6700\u9ad8\u8fb9\u9645\u7a0e\u7387\u533a\u95f4\uff0c\u8fd9\u662f\u6240\u6709\u65b9\u6848\u4e2d\u7a0e\u8d1f\u6700\u9ad8\u7684\u505a\u6cd5\u3002<\/p>\n<p><strong>\u66f4\u7701\u7a0e\u7684\u65b9\u6848\uff1a\u4f18\u5148\u52a8\u7528\u975e\u6ce8\u518c\u8d44\u4ea7<\/strong><\/p>\n<p>Calvert 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RRIF\uff08\u5168\u989d\u8ba1\u5165\u6536\u5165\uff09<\/li>\n<li>TFSA\uff08\u5b8c\u5168\u514d\u7a0e\uff09<\/li>\n<\/ul>\n<p>\u4ece\u7eaf\u7a0e\u52a1\u89d2\u5ea6\u770b\uff0c\u52a8\u7528\u975e\u6ce8\u518c\u80a1\u7968\u8d26\u6237\u548cTFSA\u662f\u7a0e\u8d1f\u6700\u4f4e\u7684\u65b9\u6848\u3002<\/p>\n<p>\u4ed6\u4eec\u7684\u975e\u6ce8\u518c\u80a1\u7968\u8d26\u6237\u5e02\u503c\u7ea628.3\u4e07\u52a0\u5143\uff0c\u8d26\u9762\u6210\u672c\u7ea612.3\u4e07\u52a0\u5143\uff0c\u4ea7\u751f\u7684\u8d44\u672c\u589e\u503c\u7ea616\u4e07\u52a0\u5143\uff0c\u5176\u4e2d\u53ea\u67098\u4e07\u52a0\u5143\u8ba1\u5165\u5e94\u7a0e\u6536\u5165\u3002<\/p>\n<p>\u201c\u5982\u679c\u76ee\u6807\u662f\u7528\u6700\u4f4e\u7a0e\u989d\u5b8c\u6210\u8d60\u4e0e\uff0c\u8fd9\u662f\u6700\u7701\u7a0e\u7684\u65b9\u5f0f\u3002\u201dCalvert \u8bf4\u3002<\/p>\n<p>\u6b64\u5916\uff0c\u51fa\u552e\u80a1\u7968\u53ef\u5206\u4e24\u5e74\u8fdb\u884c\uff0c\u4f8b\u59822025\u5e74\u548c2026\u5e74\u5404\u5356\u4e00\u534a\uff0c\u4ee5\u8fdb\u4e00\u6b65\u5e73\u644a\u7a0e\u52a1\u5f71\u54cd\u3002<\/p>\n<p>\u4e0d\u8fc7\uff0c\u4e13\u5bb6\u4e5f\u63d0\u9192\uff0c\u8fd9\u4e00\u65b9\u6848\u7684\u4ee3\u4ef7\u662f\u727a\u7272\u672a\u6765\u7075\u6d3b\u6027\u3002<\/p>\n<p>\u4e00\u65e6\u6e05\u7a7a\u975e\u6ce8\u518c\u8d26\u6237\u548cTFSA\uff0c\u592b\u5987\u4e8c\u4eba\u672a\u6765\u5c06\u53ea\u5269\u4e0b\u6ce8\u518c\u9000\u4f11\u8d26\u6237\uff0c\u4efb\u4f55\u5927\u989d\u652f\u51fa\u90fd\u53ea\u80fd\u901a\u8fc7\u5e94\u7a0e\u63d0\u6b3e\u6216\u623f\u5c4b\u51c0\u503c\u89e3\u51b3\u3002<\/p>\n<p>\u4e3a\u6b64\uff0cCalvert 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RRIF\uff0c\u5e76\u81f3\u5c11\u6309\u6700\u4f4e\u6bd4\u4f8b\u63d0\u6b3e\u3002<\/p>\n<p>\u6309\u73b0\u884c\u89c4\u5219\uff0cKurt\u548cEloise\u7684\u6700\u4f4e\u5e74\u63d0\u6b3e\u989d\u5206\u522b\u7ea6\u4e3a14\u4e07\u548c7.5\u4e07\u52a0\u5143\u3002\u5728\u6536\u5165\u5206\u644a\u5e76\u52a0\u4e0aKurt\u7684CPP\u540e\uff0c\u4e24\u4eba\u5404\u81ea\u7684\u5e94\u7a0e\u6536\u5165\u7ea6\u4e3a11.8\u4e07\u52a0\u5143\uff0c\u4ecd\u5904\u5728\u4e2d\u7b49\u7a0e\u7387\u533a\u95f4\uff0c\u907f\u514d\u4e86\u88ab\u5f81\u6536\u6700\u9ad8\u6863\u7a0e\u7387\u3002<\/p>\n<p>\u5373\u4fbf\u5982\u6b64\uff0c\u5728\u5047\u8bbe\u5e74\u56de\u62a55%\u7684\u60c5\u51b5\u4e0b\uff0c\u5230Kurt 90 \u5c81\u3001Eloise 85\u5c81\u65f6\uff0c\u4e8c\u4eba\u4ecd\u53ef\u80fd\u5269\u4f59\u7ea6300\u4e07\u52a0\u5143RRIF\u8d44\u4ea7\uff0c\u800c\u8fd9\u90e8\u5206\u8d44\u91d1\u5c06\u5728\u6700\u540e\u4e00\u4f4d\u914d\u5076\u53bb\u4e16\u65f6\u4e00\u6b21\u6027\u8ba1\u5165\u6536\u5165\u5e76\u5f81\u7a0e\u3002<\/p>\n<p>\u4e13\u5bb6\u603b\u7ed3\u6307\u51fa\uff0c\u8fd9\u7c7b\u5bb6\u5ead\u9762\u5bf9\u7684\u5e76\u975e\u201c\u94b1\u591f\u4e0d\u591f\u201d\uff0c\u800c\u662f\u5982\u4f55\u5728\u7a0e\u52a1\u6548\u7387\u3001\u5bf9\u5b50\u5973\u7684\u652f\u6301\u3001\u4ee5\u53ca\u81ea\u8eab\u665a\u5e74\u8d22\u52a1\u7075\u6d3b\u6027\u4e4b\u95f4\u53d6\u5f97\u5e73\u8861\u3002<\/p>\n<p>\u5bf9\u4e8eKurt\u548cEloise\u800c\u8a00\uff0c\u5206\u9636\u6bb5\u52a8\u7528\u8d44\u4ea7\u3001\u907f\u514d\u4e00\u6b21\u6027\u9ad8\u989d\u63d0\u6b3e\uff0c\u6216\u8bb8\u6bd4\u201c\u6700\u7701\u7a0e\u201d\u66f4\u91cd\u8981\u3002<\/p>\n<p><strong>\u6bcf\u6708\u7a0e\u540e\u6536\u5165<\/strong>\uff1a\u7ea6 15,360 \u52a0\u5143\uff08\u6216\u6309\u5b9e\u9645\u9700\u8981\u63d0\u53d6\uff09<\/p>\n<p><strong>\u8d44\u4ea7\u6784\u6210<\/strong>\uff1a<\/p>\n<ul>\n<li>\u73b0\u91d1\uff1a14,000 \u52a0\u5143<\/li>\n<li>\u81ea\u4f4f\u623f\u4ea7\uff1a1,500,000 \u52a0\u5143<\/li>\n<li>\u975e\u6ce8\u518c\u80a1\u7968\u8d26\u6237\uff1a283,000 \u52a0\u5143<\/li>\n<li>TFSA\uff08\u592b\u59bb\u5408\u8ba1\uff09\uff1a154,000 \u52a0\u5143<\/li>\n<li>Kurt \u7684 RRSP\uff1a2,932,000 \u52a0\u5143<\/li>\n<li>Eloise \u7684 RRSP\uff1a1,935,000 \u52a0\u5143<\/li>\n<\/ul>\n<p>\u8d44\u4ea7\u603b\u989d\uff1a\u7ea6 680 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