{"id":20530,"date":"2025-02-22T22:00:00","date_gmt":"2025-02-23T03:00:00","guid":{"rendered":"https:\/\/www.chinesepress.com\/?p=20530"},"modified":"2025-02-22T18:12:24","modified_gmt":"2025-02-22T23:12:24","slug":"%e6%9c%80%e9%ab%98%e9%a0%982000-%e5%8a%a0%e6%8b%bf%e5%a4%a7%e5%ae%a3%e5%b8%83%e5%85%92%e7%ab%a5%e5%ad%b8%e7%bf%92%e5%9f%ba%e9%87%91%e6%94%b9%e9%9d%a9","status":"publish","type":"post","link":"https:\/\/www.chinesepress.com\/pre\/archives\/20530","title":{"rendered":"\u6700\u9ad8\u9818$2000! \u52a0\u62ff\u5927\u5ba3\u5e03\u5152\u7ae5\u201c\u5b78\u7fd2\u57fa\u91d1\u201d\u6539\u9769"},"content":{"rendered":"
\n
\"\"<\/figure>\n<\/div>\n\n\n

\u6ce8\u610f\uff0c\u9019\u9805\u653f\u5e9c\u88dc\u8cbc\u7684\u7533\u8acb\u65b9\u5f0f\u6539\u4e86\uff01<\/p>\n\n\n\n

\u64da Narcity \u5831\u9053\uff0c2 \u6708 21 \u65e5\uff08\u661f\u671f\u4e94\uff09\uff0c\u52a0\u62ff\u5927\u52de\u5de5\u90e8\u9577\u9ea5\u91d1\u8fb2\uff08Steven MacKinnon\uff09\u5ba3\u5e03\u5c07\u6703\u5c0d\u52a0\u62ff\u5927\u5b78\u7fd2\u57fa\u91d1\uff08Canada Learning Bond, CLB\uff09\u9032\u884c\u4fee\u6539\uff0c\u4ee5\u66f4\u4fbf\u6377\u7684\u65b9\u5f0f\u70ba\u5bb6\u9577\u5011\u63d0\u4f9b\u66f4\u591a\u5b50\u5973\u6559\u80b2\u8cc7\u91d1\u3002<\/p>\n\n\n\n

\u9019\u6b21\u5169\u5927\u6539\u8b8a\u570d\u7e5e\u7533\u8acb\u65b9\u5f0f\u548c\u64f4\u5927\u7533\u8acb\u7bc4\u570d\uff1a<\/p>\n\n\n\n

1.\u7c21\u5316\u7533\u8acb\u65b9\u5f0f<\/p>\n\n\n\n

\u4fee\u8a02\u524d<\/p>\n\n\n\n

\u5982\u679c\u7b26\u5408\u689d\u4ef6\uff0c\u7236\u6bcd\u9700\u8981\u70ba\u5b69\u5b50\u8a3b\u518a\u8a3b\u518a\u6559\u80b2\u5132\u84c4\u8a08\u5283\uff08Registered Education Savings Plan, RESP\uff09\u624d\u80fd\u9818\u53d6 CLB\u3002\n\u7531\u65bc CLB \u5177\u6709\u8ffd\u6eaf\u529b\uff0c\u5982\u679c\u7b26\u5408\u689d\u4ef6\uff0c\u7236\u6bcd\u6c92\u6709\u9818\u53d6 CLB \u7684\u5b69\u5b50\u53ef\u4ee5\u5728\u5e74\u6eff 18 \u6b72\u5f8c\u70ba\u81ea\u5df1\u8a3b\u518a RESP\uff0c\u5728\u6210\u5e74\u5f8c\u4ecd\u53ef\u7372\u5f97\u9019\u7b46\u9322\u3002<\/code><\/pre>\n\n\n\n
\u4fee\u8a02\u5f8c<\/p>\n\n\n\n
\u5982\u679c\u7b26\u5408\u689d\u4ef6\uff0c2024 \u5e74\u6216\u4e4b\u5f8c\u51fa\u751f\u7684\u5152\u7ae5\uff08\u64c1\u6709\u6709\u6548\u7684\u793e\u6703\u4fdd\u96aa\u865f\u78bc SIN\uff09\u5c07\u6703\u5728\u5e74\u6eff\u56db\u6b72\u6642\u81ea\u52d5\u8a3b\u518a RESP \u4e26\u7372\u5f97 CLB\u3002<\/code><\/pre>\n\n\n\n
    \n
  1. \u64f4\u5927\u7533\u8acb\u7bc4\u570d<\/li>\n<\/ol>\n\n\n\n
    \u4fee\u8a02\u524d<\/p>\n\n\n\n
    \u5982\u679c\u7b26\u5408\u689d\u4ef6\uff0c2004 \u5e74\u6216\u4e4b\u5f8c\u51fa\u751f\u7684\u6210\u5e74\u4eba\u53ef\u4ee5\u901a\u904e\u81ea\u884c\u8a3b\u518a RESP\uff0c\u5728\u5e74\u6eff 21 \u5468\u6b72\u7684\u524d\u4e00\u5929\u63d0\u4ea4 CLB \u7533\u8acb\u3002<\/code><\/pre>\n\n\n\n
    \u4fee\u8a02\u5f8c<\/p>\n\n\n\n
    2028 \u5e74 4 \u6708\u958b\u59cb\uff0c\u7533\u8acb CLB \u7684\u5e74\u9f61\u9650\u5236\u5c07\u6703\u5ef6\u9577\u81f3 30 \u6b72\uff0c\u4ee5\u652f\u6301\u5e74\u8f15\u4eba\u901a\u904e\u8ffd\u6eaf\u88dc\u9818\u5b8c\u6210\u9ad8\u7b49\u6559\u80b2\u3002<\/code><\/pre>\n\n\n\n
    \u64da\u6089\uff0c\u4e00\u90e8\u5206\u7236\u6bcd\u548c\u76e3\u8b77\u4eba\u5df2\u7d93\u958b\u59cb\u9678\u7e8c\u6536\u5230\u52a0\u62ff\u5927\u5c31\u696d\u8207\u793e\u6703\u767c\u5c55\u90e8\u7684\u901a\u77e5\uff0c\u63d0\u4f9b\u6709\u95dc\u81ea\u52d5\u8a3b\u518a RESP \u7684\u4fe1\u606f\u3002<\/p>\n\n\n\n
    \u622a\u81f3 2023 \u5e74\uff0c\u53ea\u6709 43.1% \u7b26\u5408\u689d\u4ef6\u7684\u4eba\u7372\u5f97\u4e86 CLB\uff0c\u9019\u610f\u5473\u7740\u52a0\u62ff\u5927\u5168\u570b\u6709 270 \u842c\u5152\u7ae5\u548c\u9752\u5c11\u5e74\u7b26\u5408\u689d\u4ef6\u4f46\u6c92\u6709\u7372\u5f97\u9019\u7b46\u88dc\u8cbc\u91d1\u3002<\/p>\n\n\n\n
    \u81ea\u52d5\u8a3b\u518a\u653f\u7b56\u5be6\u65bd\u5f8c\uff0c\u5f9e 2028 \u5e74\u958b\u59cb\uff0c\u6bcf\u5e74\u5c07\u6703\u6709\u984d\u5916 13 \u842c\u540d\u5152\u7ae5\u7372\u5f97 CLB \u4ee5\u652f\u4ed8\u4ed6\u5011\u9ad8\u4e2d\u7562\u696d\u5f8c\u7684\u6559\u80b2\u8cbb\u7528\u3002
    \u8aaa\u5b8c\u9019\u6b21 CLB \u7684\u6539\u8b8a\uff0c\u4ee5\u4e0b\u662f\u5177\u9ad4\u7684\u7533\u8acb\u689d\u4ef6\u548c\u7533\u8acb\u65b9\u5f0f\uff0c\u5927\u5bb6\u53ef\u4ee5\u81ea\u884c\u78ba\u8a8d\u662f\u5426\u7b26\u5408\u9818\u53d6\u689d\u4ef6\uff0c\u4e0d\u8981\u932f\u904e\u5566\uff01<\/p>\n\n\n\n
    CLB \u53ef\u4ee5\u9818\u53d6\u591a\u5c11\u9322\uff1f<\/strong><\/p>\n\n\n\n
    \u7b26\u5408\u689d\u4ef6\u7684\u5152\u7ae5\u53ef\u4ee5\u5728\u7b2c\u4e00\u5e74\u9818\u53d6 500 \u52a0\u5143\u7684\u521d\u59cb\u88dc\u8cbc\uff0c\u4e26\u5728\u6b64\u5f8c\u6bcf\u5e74\u984d\u5916\u9818\u53d6 100 \u52a0\u5143\uff08\u4ecd\u9700\u7b26\u5408\u8cc7\u683c\uff09\uff0c\u76f4\u81f3\u5e74\u6eff 15 \u5468\u6b72\uff0c\u7d2f\u8a08\u6700\u9ad8\u53ef\u9818\u53d6 2,000 \u52a0\u5143\u3002<\/code><\/pre>\n\n\n\n
    \u8ab0\u53ef\u4ee5\u7533\u8acb CLB\uff1f<\/strong><\/p>\n\n\n\n
    0-17 \u6b72\u5152\u7ae5\u6216\u9752\u5c11\u5e74\uff1a\u7531\u7236\u6bcd\u6216\u76e3\u8b77\u4eba\u7533\u8acb\n\n18 \u6b72\u9752\u5c11\u5e74\uff1a\u53ef\u81ea\u884c\u7533\u8acb\/\u7531\u7236\u6bcd\u4ee3\u70ba\u7533\u8acb<\/code><\/pre>\n\n\n\n
    \u5152\u7ae5\/\u9752\u5c11\u5e74\uff1a<\/p>\n\n\n\n
    \u51fa\u751f\u65bc 2004 \u5e74\u6216\u4ee5\u5f8c\n\n\u64c1\u6709\u793e\u6703\u4fdd\u96aa\u865f\u78bc\uff08Social Insurance Number, SIN\uff09\n\n\u5c45\u4f4f\u5728\u52a0\u62ff\u5927\u4e2d\u7b49\u6536\u5165\u5bb6\u5ead<\/code><\/pre>\n\n\n\n
    \u7236\u6bcd\/\u76e3\u8b77\u4eba\uff1a<\/p>\n\n\n\n
    \u5728\u52a0\u62ff\u5927\u5c45\u4f4f\n\n\u4e2d\u7b49\u5bb6\u5ead\u6536\u5165\n\n\u64c1\u6709\u793e\u6703\u4fdd\u96aa\u865f\u78bc\uff08Social Insurance Number, SIN\uff09\n\n\u5df2\u7533\u5831\u7a05\u6b3e\n\n\u5df2\u70ba\u5b69\u5b50\u8a3b\u518a RESP \u8cec\u6236\n\n\u63d0\u4f9b\u5b69\u5b50\u7684\u51fa\u751f\u8b49\u660e<\/code><\/pre>\n\n\n\n
    \u4ee5\u4e0b\u662f\u6700\u65b0\u7684 CLB \u6536\u5165\u7b49\u7d1a\uff08\u9069\u7528\u65bc 2024 \u5e74 7 \u6708 1 \u65e5\u81f3 2025 \u5e74 6 \u6708 30 \u65e5\uff09\uff1a<\/p>\n\n\n
    \n
    \"\"<\/figure>\n<\/div>\n\n\n
    \u5716\u6e90\uff1a\u52a0\u62ff\u5927\u653f\u5e9c\u5b98\u7db2<\/p>\n\n\n\n
    \u5982\u5716\u6240\u793a\uff0c\u5982\u679c\u4e00\u500b\u5bb6\u5ead\u64c1\u6709\u5169\u500b\u5b69\u5b50\u4e14\u5e74\u6536\u5165\u70ba $50,290\uff0c\u5c31\u7b26\u5408\u7533\u8acb CLB \u7684\u8cc7\u683c\u3002<\/p>\n\n\n\n
    \u503c\u5f97\u6ce8\u610f\u7684\u662f\uff0c\u8207 CESG \u4e0d\u540c\uff0c\u5982\u679c\u7b26\u5408\u8cc7\u683c\uff0c\u7121\u9700\u5411 RESP \u4f9b\u6b3e\u4e5f\u53ef\u4ee5\u7372\u5f97 CLB \u88dc\u8cbc\u91d1\u3002<\/p>\n\n\n\n
    \u4e00\u65e6\u8a3b\u518a RESP\uff0c\u653f\u5e9c\u5c07\u6703\u5be9\u67e5\u5bb6\u5ead\u60c5\u6cc1\uff0c\u5c07\u88dc\u8cbc\u91d1\u81ea\u52d5\u8f49\u5165\u8cec\u6236\uff0c\u4e26\u5728\u6bcf\u5e74\u6839\u64da\u6700\u65b0\u5e74\u6536\u5165\u5224\u65b7\u662f\u5426\u7b26\u5408\u8cc7\u683c\u3002<\/p>\n\n\n\n
    \u4ec0\u9ebc\u662f RESP\uff1f<\/strong><\/p>\n\n\n\n
    RESP\uff0c\u5168\u7a31 Registered Education Savings Plans\uff0c\u5373\u52a0\u62ff\u5927\u8a3b\u518a\u6559\u80b2\u5132\u84c4\u8a08\u5283\uff0c\u4e5f\u5c31\u662f\u52a0\u62ff\u5927\u5b69\u5b50\u7684\u6559\u80b2\u91d1\u8cec\u6236\u3002<\/p>\n\n\n\n
    \u958b\u8a2d RESP \u8cec\u6236\u4e26\u5c0d\u4e4b\u4f9b\u6b3e\u7684\u4eba\u7a31\u70ba subscriber\uff0c\u901a\u5e38\u70ba\u5bb6\u9577\u3002\n\n\u5c07\u4f86\u6536\u9322\uff08\u5305\u62ec\u672c\u91d1+\u653f\u5e9c\u88dc\u8cbc+\u6295\u8cc7\u6536\u76ca\uff09\u4ee5\u5b8c\u6210\u9ad8\u7b49\u6559\u80b2\u7684\u662f\u53d7\u76ca\u4eba\uff0c\u5373 beneficiary\uff0c\u4e00\u822c\u662f\u4f9b\u6b3e\u4eba\u7684\u5b69\u5b50\u3002\n\n\u8207\u4f9b\u6b3e\u4eba\u7c3d\u8a02RESP\u5408\u540c\u7684\u91d1\u878d\u6a5f\u69cb\u7a31\u70ba promoter \u2013 Promoter \u53ef\u4ee5\u662f\u9280\u884c\u3001\u57fa\u91d1\u516c\u53f8\u6216\u4fe1\u8a17\u516c\u53f8\u3002          <\/code><\/pre>\n\n\n\n
    \u7c21\u55ae\u4f86\u8aaa\uff0c\u7236\u6bcd\u5f80\u9019\u500b\u8cec\u6236\u91cc\u7d66\u5b69\u5b50\u5b58\u6559\u80b2\u91d1\uff0c\u7528\u65bc\u5c07\u4f86\u4ea4\u5927\u5b78\u5b78\u8cbb\uff1b\u653f\u5e9c\u518d\u540c\u6b65\u7d66\u4e00\u7b46\u88dc\u52a9\u91d1\u3002\u9019\u500b\u9322\u5728\u63d0\u53d6\u524d\u514d\u7a05\u589e\u9577\u3002<\/p>\n\n\n\n
    RESP\u6709\u4ee5\u4e0b\u5e7e\u500b\u7279\u9ede\uff1a<\/p>\n\n\n\n
    \u6bcf\u5e74\u6700\u4f4e\u4f9b\u6b3e 2,500 \u52a0\u5143\uff0c\u653f\u5e9c\u540c\u6b65\u88dc\u8cbc 500 \u52a0\u5143\uff1b          \n\n\u653f\u5e9c\u88dc\u8cbc\u4e00\u76f4\u5230\u5b69\u5b50 17 \u6b72\u3002\u5168\u7a0b\u4e0b\u4f86\uff0c\u4e00\u500b\u8cec\u6236\u80fd\u7372\u5f97\u7684\u653f\u5e9c\u88dc\u8cbc\u9054 7,200 \u52a0\u5143\uff1b          \n\nRESP \u4ed8\u5b78\u8cbb\uff1a\u4e0d\u50c5\u53ea\u91dd\u5c0d\u52a0\u62ff\u5927\u7684\u672c\u5730\u5927\u5b78\uff0c\u8a31\u591a\u52a0\u62ff\u5927\u4ee5\u5916\u7684\u6559\u80b2\u6a5f\u69cb\u4e5f\u53ef\u4ee5\u4f7f\u7528 RESP\uff1b          \n\nRESP \u6700\u591a\u53ef\u4ee5\u958b\u8a2d 36 \u5e74\uff0c\u53d7\u76ca\u4eba\u53ef\u4ee5\u4f7f\u7528\u5176\u4f86\u652f\u4ed8\u7b26\u5408\u689d\u4ef6\u7684\u5b78\u9662\u3001\u5927\u5b78\u3001\u8077\u696d\u5b78\u6821\u6216\u5b78\u5f92\u8a08\u5283\u7684\u5168\u65e5\u5236\u6216\u975e\u5168\u65e5\u5236\u5b78\u8cbb\uff1b          \n\n\u6bcf\u500b\u5b69\u5b50\u4e00\u751f\u7684 RESP \u7e73\u8cbb\u9650\u984d\u662f 50,000 \u52a0\u5143\uff1b          \n\n\u6295\u5165 RESP \u7684\u9322\u4e0d\u80fd\u62b5\u7a05\uff0c\u4f46\u6295\u8cc7\u6240\u5f97\u6536\u76ca\u5728\u628a\u9322\u53d6\u51fa\u4f86\u4e4b\u524d\u90fd\u4e0d\u7528\u6253\u7a05\uff08tax-sheltered\uff09\u3002       <\/code><\/pre>\n\n\n\n
    \u6240\u4ee5\u8aaa\uff0c\u958b\u8a2d RESP \u8cec\u6236\u6700\u5927\u7684\u597d\u8655\u5c31\u662f\u53ef\u4ee5\u9818\u53d6\u6700\u9ad8 7,200 \u52a0\u5143\u7684\u653f\u5e9c\u88dc\u8cbc\uff0c\u5176\u4e2d\u6700\u57fa\u672c\u7684\u662f Canada Education Saving Grant\uff0c\u7c21\u7a31 CESG\u3002<\/p>\n\n\n\n
    \u5982\u4e0a\u8ff0\u6240\u8aaa\uff0cCESG \u6bcf\u5e74\u6700\u591a\u5339\u914d\u88dc\u8cbc\u4f9b\u6b3e\u91d1\u984d\u768420%\uff0c\u4e0a\u9650 500 \u52a0\u5143\uff0c\u4e5f\u5c31\u662f\u6bcf\u5e74\u5728 RESP \u8cec\u6236\u4e2d\u6295\u5165 2,500 \u52a0\u5143\uff0c\u5c31\u80fd\u5f97\u5230\u653f\u5e9c\u88dc\u8cbc 500 \u52a0\u5143\u3002<\/p>\n\n\n\n
    \u5982\u679c\u5728\u8a3b\u518a RESP \u4e4b\u524d\u5c31\u5df2\u7b26\u5408\u958b\u6236\u53ca\u9818\u53d6 CESG \u7684\u689d\u4ef6\u537b\u6c92\u6709\u958b\uff0c\u53ef\u4ee5\u901a\u904e\u8ffd\u52a0\u4f9b\u6b3e\u7684\u65b9\u5f0f\u88dc\u9818\u6bcf\u5e74\u7684 500 \u52a0\u5e63\u88dc\u8cbc\u3002<\/p>\n\n\n\n
    \u4fe1\u6e90\uff1a\u52a0\u62ff\u5927\u653f\u5e9c\u5b98\u7db2\uff0cNarcity<\/p>\n","protected":false},"excerpt":{"rendered":"
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