{"id":100960,"date":"2025-12-28T15:28:01","date_gmt":"2025-12-28T20:28:01","guid":{"rendered":"https:\/\/www.chinesepress.com\/2025\/12\/28\/%e6%9c%88%e5%85%a52-7%e4%b8%872%e5%a5%97%e6%88%bf-%e5%8a%a0%e6%8b%bf%e5%a4%a7%e4%b8%ad%e4%ba%a7%e5%a4%ab%e5%a6%8755%e5%b2%81%e6%9c%89%e6%9c%9b%e8%b4%a2%e5%8a%a1%e8%87%aa%e7%94%b1-%e7%bb%992%e5%ad%a9\/"},"modified":"2025-12-28T15:28:01","modified_gmt":"2025-12-28T20:28:01","slug":"%e6%9c%88%e5%85%a52-7%e4%b8%872%e5%a5%97%e6%88%bf-%e5%8a%a0%e6%8b%bf%e5%a4%a7%e4%b8%ad%e4%ba%a7%e5%a4%ab%e5%a6%8755%e5%b2%81%e6%9c%89%e6%9c%9b%e8%b4%a2%e5%8a%a1%e8%87%aa%e7%94%b1-%e7%bb%992%e5%ad%a9","status":"publish","type":"post","link":"https:\/\/www.chinesepress.com\/pre\/archives\/100960","title":{"rendered":"\u6708\u51652.7\u4e07+2\u5957\u623f! \u52a0\u62ff\u5927\u4e2d\u4ea7\u592b\u598755\u5c81\u6709\u671b\u8d22\u52a1\u81ea\u7531 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src=\"https:\/\/p0.51img.ca\/i\/695041a524249.png\"><\/figure>\n<p><strong>\u6536\u5165\u4e0e\u8d44\u4ea7\u72b6\u51b5<\/strong><\/p>\n<p>\u9a6c\u514b\u548c\u739b\u683c\u4e3d\u7279\u73b0\u5728\u90fd45\u5c81\uff0c\u6709\u4e24\u4e2a\u5b69\u5b50\uff0c\u5206\u522b\u4e3a10\u5c81\u548c14\u5c81\u3002<\/p>\n<p>\u4ed6\u4eec\u975e\u5e38\u5e78\u8fd0\uff0c\u7236\u6bcd\u66fe\u57282008\u5e74\u8d44\u52a9\u4e86\u4ed6\u4eec\u4e00\u7b14\u65e9\u671f\u9057\u4ea7\uff0c\u5e2e\u52a9\u4ed6\u4eec\u5728\u623f\u4ef7\u9ad8\u6602\u7684\u6e29\u54e5\u534e\u4e70\u4e0b\u4e86\u7b2c\u4e00\u5957\u516c\u5bd3\u3002\u901a\u8fc7\u591a\u6b21\u7f6e\u6362\uff0c\u4ed6\u4eec\u76ee\u524d\u62e5\u6709\u4e00\u5957\u4ef7\u503c250\u4e07\u7684\u72ec\u7acb\u5c4b\uff08\u81ea\u4f4f\u623f\uff09\u548c\u4e00\u5957\u4ef7\u503c70\u4e07\u7684\u516c\u5bd3\uff08\u51fa\u79df\uff09\u3002\u4e24\u5904\u623f\u4ea7\u5747\u6709\u62b5\u62bc\u8d37\u6b3e\u3002<\/p>\n<p>\u9a6c\u514b\u5728\u4eba\u529b\u8d44\u6e90\u90e8\u95e8\u5de5\u4f5c\uff0c\u5e74\u85aa22.5\u4e07\u52a0\u5143\uff0c\u5916\u52a0\u4e30\u539a\u7684\u5956\u91d1\u3002\u739b\u683c\u4e3d\u7279\u76ee\u524d\u5904\u4e8e\u804c\u4e1a\u95f4\u6b47\u671f\uff0c\u4f46\u8ba1\u5212\u91cd\u8fd4\u804c\u573a\uff0c\u9884\u8ba1\u5e74\u85aa\u57286\u4e07\u81f38\u4e07\u52a0\u5143\u4e4b\u95f4\u3002<\/p>\n<p>\u6b64\u5916\uff0c\u5728\u6263\u9664\u623f\u8d37\u548c\u6240\u6709\u5f00\u652f\u540e\uff0c\u4ed6\u4eec\u7684\u516c\u5bd3\u6bcf\u5e74\u8fd8\u80fd\u63d0\u4f9b\u7ea64,500\u52a0\u5143\u7684\u51c0\u79df\u91d1\u6536\u5165\u3002<\/p>\n<p>\u4ed6\u4eec\u7684\u76ee\u6807\u662f\u572855\u5c81\u5de6\u53f3\u544a\u522b\u5168\u804c\u5de5\u4f5c\uff0c\u8f6c\u4e3a\u517c\u804c\u54a8\u8be2\uff0c\u540e\u7a0e\u540e\u5e74\u652f\u51fa12\u4e07\u52a0\u5143\u3002\u540c\u65f6\uff0c\u4ed6\u4eec\u5e0c\u671b\u50cf\u7236\u6bcd\u5f53\u5e74\u652f\u6301\u4ed6\u4eec\u4e00\u6837\u652f\u6301\u5b69\u5b50\uff0c\u4ed6\u4eec\u5c06\u5168\u989d\u8d1f\u62c5\u5b69\u5b50\u7684\u5927\u5b66\u6559\u80b2\u8d39\u7528\uff0c\u5e76\u8ba1\u5212\u5728\u6bcf\u4e2a\u5b69\u5b50\u5e74\u6ee130\u5c81\u65f6\u5404\u8d60\u4e8825\u4e07\u52a0\u5143\u3002<\/p>\n<p><strong>\u5f53\u524d\u8d22\u52a1\u5168\u666f\u4e00\u89c8<\/strong><\/p>\n<p>\u7a0e\u540e\u6708\u6536\u5165\uff1a27,063\u52a0\u5143<\/p>\n<p>\u8d44\u4ea7\u603b\u989d\uff08\u5408\u8ba14,178,738\u52a0\u5143\uff09\uff1a<\/p>\n<ul>\n<li>\u81ea\u4f4f\u623f\uff1a2,500,000<\/li>\n<li>\u51fa\u79df\u516c\u5bd3\uff1a700,000<\/li>\n<li>TFSA\uff08\u4ed6\uff09\uff1a81,475<\/li>\n<li>TFSA\uff08\u5979\uff09\uff1a52,876<\/li>\n<li>RRSP\uff08\u4ed6\uff09\uff1a220,753<\/li>\n<li>RRSP\uff08\u5979\uff09\uff1a311,712<\/li>\n<li>DC \u517b\u8001\u91d1\uff1a177,586<\/li>\n<li>RESP\uff1a134,336<\/li>\n<\/ul>\n<p><strong>\u6bcf\u6708\u652f\u51fa\u660e\u7ec6\uff08\u5408\u8ba120,207\u52a0\u5143\uff09\uff1a<\/strong><\/p>\n<ul>\n<li>\u81ea\u4f4f\u623f\u8d37\uff1a7,500\u52a0\u5143<\/li>\n<li>\u5730\u7a0e\/\u623f\u5c4b\u4fdd\u9669\/\u6c34\u7535\u7164\uff1a\u7ea61,260\u52a0\u5143<\/li>\n<li>\u623f\u5c4b\u7ef4\u62a4\/\u5b89\u4fdd\uff1a880\u52a0\u5143<\/li>\n<li>\u4ea4\u901a\/\u98df\u54c1\/\u8863\u670d\uff1a2,354\u52a0\u5143<\/li>\n<li>\u9910\u996e\/\u5a31\u4e50\/\u5174\u8da3\/\u5ba0\u7269\uff1a2,717\u52a0\u5143<\/li>\n<li>\u4e2a\u4eba\/\u533b\u7597\/\u4fdd\u9669\u8d39\uff1a1,583\u52a0\u5143<\/li>\n<li>\u5404\u7c7b\u50a8\u84c4\u4f9b\u6b3e\uff08TFSA, RESP, Pension\uff09\uff1a3,819\u52a0\u5143<\/li>\n<\/ul>\n<p><strong>\u8d1f\u503a\u660e\u7ec6\uff08\u603b\u989d1,408,690\u52a0\u5143\uff09\uff1a<\/strong><\/p>\n<ul>\n<li>\u81ea\u4f4f\u623f\u8d37\uff1a1,178,000\u52a0\u5143\uff083.75%\u6d6e\u52a8\u5229\u7387\uff09<\/li>\n<li>\u51fa\u79df\u623f\u8d37\uff1a230,690\u52a0\u5143\uff083.99%\u56fa\u5b9a\u5229\u7387\uff09<\/li>\n<\/ul>\n<p><strong>\u4e13\u5bb6\u62c6\u89e3\uff1a\u4ed6\u4eec\u80fd\u6210\u529f\u5417\uff1f<\/strong><\/p>\n<p>\u6e29\u54e5\u534e\u6ce8\u518c\u7406\u8d22\u5e08Debbie Saleem\u5bf9\u8fd9\u5bf9\u592b\u5987\u7684\u8d22\u52a1\u72b6\u51b5\u8fdb\u884c\u4e86\u8bc4\u4f30\u3002\u7ed3\u8bba\u662f\uff1a\u5b8c\u5168\u53ef\u884c\uff01<\/p>\n<p>Saleem\u5047\u8bbe\u9a6c\u514b\u572856\u5c81\u3001\u739b\u683c\u4e3d\u7279\u572855\u5c81\u65f6\u8f6c\u4e3a\u517c\u804c\u3002<\/p>\n<p>\u9a6c\u514b\u62e5\u6709\u4e00\u9879\u5b9a\u989d\u4f9b\u6b3e\u517b\u8001\u91d1\u8ba1\u5212\uff08DC Pension Plan\uff09\uff0c\u4ed6\u4e0e\u96c7\u4e3b\u6bcf\u6708\u8ba1\u4f9b\u6b3e2,818\u52a0\u5143\u3002\u4f5c\u4e3a\u4e00\u540d\u81ea\u4e3b\u6295\u8d44\u8005\uff0c\u4ed6\u6bcf\u6708\u5411\u514d\u7a0e\u50a8\u84c4\u8d26\u6237\uff08TFSA\uff09\u6295\u5165584\u52a0\u5143\uff0c\u5e76\u5411\u5b50\u5973\u7684\u6ce8\u518c\u6559\u80b2\u50a8\u84c4\u8ba1\u5212\uff08RESP\uff09\u6295\u5165417\u52a0\u5143\u3002<\/p>\n<p>Saleem\u6307\u51fa\uff0c\u4ed6\u4eec\u52a0\u5feb\u507f\u8fd8\u81ea\u4f4f\u623f\u7684117.8\u4e07\u52a0\u5143\u623f\u8d37\uff0c\u5e76\u57282035\u5e74\u5356\u6389\u51fa\u79df\u516c\u5bd3\uff0c\u4ee5\u7ed3\u6e05\u4e24\u5904\u623f\u4ea7\u7684\u6240\u6709\u503a\u52a1\u3002<\/p>\n<p><strong>\u672a\u6765\u652f\u51fa\u4e0e\u6295\u8d44\u5047\u8bbe<\/strong><\/p>\n<p>\u77ed\u671f\u5185\uff0c\u4ed6\u4eec\u8ba1\u5212\u5229\u7528\u5956\u91d1\u8fdb\u884c\u4e00\u4e2a5\u4e07\u52a0\u5143\u7684\u5ead\u9662\u666f\u89c2\u6539\u9020\u548c5\u4e07\u52a0\u5143\u7684\u6d74\u5ba4\u7ffb\u65b0\u5de5\u7a0b\u3002\u4ed6\u4eec\u8ba1\u5212\u5206\u522b\u57282037\u5e74\u548c2041\u5e74\u5411\u4e24\u4e2a\u5b69\u5b50\u5404\u8d60\u4e8825\u4e07\u52a0\u5143\u3002<\/p>\n<p>\u5728\u9884\u6d4b\u6a21\u578b\u4e2d\uff0cSaleem\u5047\u8bbe\u5b9e\u9645\u5e74\u56de\u62a5\u73875%\uff08\u540d\u4e49\u56de\u62a5\u73877%\uff0c\u901a\u80c0\u73872%\uff09\uff0c\u5e76\u5047\u8bbe\u4e24\u4eba\u90fd\u6d3b\u523095\u5c81\u3002<\/p>\n<p><strong>\u9000\u4f11\u73b0\u91d1\u6d41\u9884\u6d4b<\/strong><\/p>\n<p>Saleem\u8868\u793a\uff0c\u52302035\u5e74\uff0c\u592b\u59bb\u4e8c\u4eba\u7684\u517c\u804c\u5e74\u6536\u5165\u9884\u8ba1\u7ea6\u4e3a22.5\u4e07\u52a0\u5143\uff0c\u968f\u7740\u4ed6\u4eec\u572865\u5c81\u6b65\u5165\u5b8c\u5168\u9000\u4f11\u9636\u6bb5\uff0c\u8fd9\u90e8\u5206\u6536\u5165\u5c06\u9010\u6e10\u51cf\u5c11\u3002\u572865\u5c81\u6b63\u5f0f\u9000\u4f11\u7684\u7b2c\u4e00\u5e74\uff0c\u4ed6\u4eec\u7684\u6536\u5165\u6765\u6e90\u5c06\u5305\u62ec\uff1a\u5408\u5e76\u540e\u7684\u52a0\u62ff\u5927\u517b\u8001\u91d1\u8ba1\u5212\uff08CPP\uff09\u3001\u5404\u81ea\u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\uff08RRSP\uff09\u7684\u63d0\u6b3e\uff0c\u4ee5\u53ca\u9a6c\u514b\u7684DC\u517b\u8001\u91d1\u8ba1\u5212\u7684\u63d0\u6b3e\u3002<\/p>\n<p>Saleem\u8bf4\uff1a\u201c\u5373\u4fbf\u8ba1\u5212\u5411\u5b50\u5973\u8d60\u4e8850\u4e07\u52a0\u5143\uff0c\u4ed6\u4eec\u7684\u6295\u8d44\u7ec4\u5408\u4ecd\u8db3\u4ee5\u652f\u6491\u6bcf\u5e74\u7a0e\u540e12\u4e07\u52a0\u5143\u7684\u5f00\u652f\uff0c\u76f4\u5230\u81f3\u5c1195\u5c81\u3002\u201d\u8fd9\u7b14\u8d60\u4e88\u91d1\u5c06\u4ece\u4ed6\u4eec\u7684TFSA\u8d26\u6237\u4e2d\u63d0\u53d6\u3002<\/p>\n<p><strong>\u5b50\u5973\u6559\u80b2\u4e0eRESP<\/strong><\/p>\n<p>\u8fd9\u5bf9\u592b\u5987\u8fd8\u5e0c\u671b\u5168\u989d\u8d1f\u62c5\u5b50\u5973\u7684\u9ad8\u7b49\u6559\u80b2\u8d39\u7528\u3002\u5047\u8bbe\u6bcf\u4e2a\u5b69\u5b50\u5c31\u8bfb4\u5e74\u5236\u8bfe\u7a0b\uff0c\u5e74\u652f\u51fa\u4e3a2\u4e07\u52a0\u5143\uff08\u6309\u5f53\u524d\u5e01\u503c\uff09\u3002\u76ee\u524dRESP\u4f59\u989d\u4e3a134,336\u52a0\u5143\uff0c\u9884\u8ba1\u5b9e\u9645\u56de\u62a5\u73875%\u3002\u7236\u6bcd\u5c06\u6301\u7eed\u4f9b\u6b3e\u81f3\u5b69\u5b5017\u5c81\u3002<\/p>\n<p>Saleem\u8ba4\u4e3a\uff1a\u201cRESP\u8d44\u91d1\u8db3\u4ee5\u652f\u4ed8\u6bcf\u4e2a\u5b69\u5b50\u6bcf\u5e742\u4e07\u52a0\u5143\u7684\u6559\u80b2\u8d39\u7528\u3002\u201d<\/p>\n<p><strong>\u6295\u8d44\u7ec4\u5408\u7ed3\u6784<\/strong><\/p>\n<p>\u9a6c\u514b\u548c\u739b\u683c\u4e3d\u7279\u7684\u6295\u8d44\u6784\u6210\u5982\u4e0b\uff1a<\/p>\n<ul>\n<li>75.64%\uff1a\u80a1\u7968 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