{"id":23022,"date":"2025-03-03T10:42:01","date_gmt":"2025-03-03T15:42:01","guid":{"rendered":"https:\/\/www.chinesepress.com\/2025\/03\/03\/%e6%8a%a5%e7%a8%8e%e6%b3%a8%e6%84%8f%ef%bc%81rrsp%e4%be%9b%e6%ac%be%e4%bb%8a%e5%a4%a9%e6%88%aa%e6%ad%a2%ef%bc%81%e4%bd%86%e5%af%b9%e5%b9%b4%e5%85%a55-7%e4%b8%87%e4%bb%a5%e4%b8%8b%e4%b8%8d%e5%90%88\/"},"modified":"2025-03-03T10:42:01","modified_gmt":"2025-03-03T15:42:01","slug":"%e6%8a%a5%e7%a8%8e%e6%b3%a8%e6%84%8f%ef%bc%81rrsp%e4%be%9b%e6%ac%be%e4%bb%8a%e5%a4%a9%e6%88%aa%e6%ad%a2%ef%bc%81%e4%bd%86%e5%af%b9%e5%b9%b4%e5%85%a55-7%e4%b8%87%e4%bb%a5%e4%b8%8b%e4%b8%8d%e5%90%88","status":"publish","type":"post","link":"https:\/\/www.chinesepress.com\/pre\/archives\/23022","title":{"rendered":"\u62a5\u7a0e\u6ce8\u610f\uff01RRSP\u4f9b\u6b3e\u4eca\u5929\u622a\u6b62\uff01\u4f46\u5bf9\u5e74\u51655.7\u4e07\u4ee5\u4e0b\u4e0d\u5408\u9002"},"content":{"rendered":"<p>\u9488\u5bf92024\u5e74\u62a5\u7a0e\u5b63\uff0c\u52a0\u62ff\u5927\u4eba\u5411\u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\uff08RRSP\uff09\u4f9b\u6b3e\u7684\u622a\u6b62\u65e5\u671f\u662f3\u67083\u65e5\u4eca\u5929\uff0c\u4ee5\u4fbf\u5c06\u5176\u8ba1\u5165\u5e74\u5ea6\u7684\u7a0e\u52a1\u6263\u9664\u989d\u3002<\/p>\n<p>\u4eca\u5929\u4e4b\u540e\u5b58\u5165RRSP\u7684\u8d44\u91d1\uff0c\u53ea\u80fd\u5728\u660e\u5e74\u7684\u62a5\u7a0e\u5b63\u7533\u8bf7\u9000\u7a0e\u3002<\/p>\n<figure class=\"image\" data-attachment-id=\"5712052\" data-aspect-ratio=\"3.8634\" data-width=\"707\" data-height=\"183\">\n<img decoding=\"async\" src=\"https:\/\/p0.51img.ca\/i\/67c5bc6bdc027.jpeg\"><\/figure>\n<figure class=\"image\" data-attachment-id=\"5712059\" data-aspect-ratio=\"1.3446\" data-width=\"1038\" data-height=\"772\">\n<img decoding=\"async\" src=\"https:\/\/p0.51img.ca\/i\/67c5c156b3db2.jpeg\"><\/figure>\n<p><strong>RRSP\u7684\u7a0e\u52a1\u4f18\u52bf<\/strong><\/p>\n<p>RRSP\u8d26\u6237\u5185\u7684\u8d44\u91d1\u5728\u53d6\u51fa\u4e4b\u524d\u65e0\u9700\u7f34\u7a0e\uff0c\u56e0\u6b64\u5b83\u672c\u8d28\u4e0a\u662f\u653f\u5e9c\u9f13\u52b1\u4eba\u4eec\u4e3a\u9000\u4f11\u50a8\u84c4\u7684\u4e00\u79cd\u7a0e\u6536\u4f18\u60e0\u65b9\u5f0f\uff0c\u53ef\u4ee5\u964d\u4f4e\u5e94\u7a0e\u6536\u5165\u3002<\/p>\n<p>\u52a0\u62ff\u5927UFile\u5168\u56fd\u7a0e\u52a1\u4e13\u5bb6Gerry Vittoratos\u8868\u793a\uff1a\u201c\u5411RRSP\u4f9b\u6b3e\u7684\u76f4\u63a5\u597d\u5904\u662f\u53ef\u4ee5\u51cf\u5c11\u4e2a\u4eba\u7684\u7a0e\u52a1\u8d1f\u62c5\u3002\u201d\u6839\u636eTD\u94f6\u884c\u7684\u6570\u636e\uff0cRRSP\u8d26\u6237\u5185\u7684\u6295\u8d44\u6536\u76ca\u53ef\u5b9e\u73b0\u7a0e\u6536\u9012\u5ef6\uff0c\u8fd9\u610f\u5473\u7740\u53ea\u8981\u4e0d\u53d6\u51fa\u8d44\u91d1\uff0c\u5c31\u4e0d\u4f1a\u6bcf\u5e74\u7f34\u7a0e\uff0c\u540c\u65f6\u590d\u5229\u589e\u957f\u7684\u6536\u76ca\u4e5f\u4e0d\u4f1a\u53d7\u5230\u7a0e\u6536\u5f71\u54cd\u3002<\/p>\n<p><strong>2025\u5e74RRSP\u4f9b\u6b3e\u9650\u989d\u662f\u591a\u5c11\uff1f<\/strong><\/p>\n<ul>\n<li>\u4e2a\u4eba\u6700\u591a\u53ef\u4f9b\u6b3e\u91d1\u989d\uff1a\u4e0a\u4e00\u5e74\u5ea6\u6536\u5165\u768418% \u6216 $32,490\uff08\u53d6\u8f83\u4f4e\u503c\uff09\u3002<\/li>\n<li>\u672a\u4f7f\u7528\u7684\u4f9b\u6b3e\u989d\u5ea6\uff1a\u5982\u679c\u524d\u51e0\u5e74\u6ca1\u6709\u7528\u5b8c\u4f9b\u6b3e\u989d\u5ea6\uff0c\u52a0\u62ff\u5927\u7a0e\u52a1\u5c40\uff08CRA\uff09\u4f1a\u81ea\u52a8\u7d2f\u79ef\u5230\u5f53\u5e74\u53ef\u7528\u989d\u5ea6\u3002<\/li>\n<\/ul>\n<p>\u67e5\u8be2RRSP\u4f9b\u6b3e\u9650\u989d\uff0c\u53ef\u4ee5\u67e5\u770b\u53bb\u5e74\u7684\u7a0e\u52a1\u8bc4\u4f30\u901a\u77e5\uff08Notice of Assessment\uff09\u6216\u767b\u5f55CRA\u8d26\u6237\u83b7\u53d6\u6700\u65b0\u6570\u636e\u3002<\/p>\n<figure class=\"image\" data-attachment-id=\"5712058\" data-aspect-ratio=\"1.7879\" data-width=\"767\" data-height=\"429\">\n<img decoding=\"async\" src=\"https:\/\/p0.51img.ca\/i\/67c5c12367a61.jpeg\"><\/figure>\n<p><strong>RRSP\u9002\u5408\u4f60\u5417\uff1f<\/strong><\/p>\n<p>\u5982\u679c\u4f60\u8fd8\u5728\u72b9\u8c6b\u662f\u5426\u5e94\u8be5\u5411RRSP\u4f9b\u6b3e\uff0c\u4ee5\u4e0b\u51e0\u4e2a\u56e0\u7d20\u503c\u5f97\u8003\u8651\uff1a<\/p>\n<p>\u5982\u679c\u4f60\u7684\u5e74\u6536\u5165\u4f4e\u4e8e$57,000\uff0cRRSP\u7684\u7a0e\u52a1\u6263\u9664\u989d\u8f83\u4f4e\uff0c\u4f18\u52bf\u4e0d\u5927\uff0c\u53ef\u80fd\u4e0d\u592a\u9002\u5408\u3002\u5bf9\u4e8e\u9ad8\u6536\u5165\u4eba\u7fa4\uff0cRRSP\u53ef\u4ee5\u5e26\u6765\u66f4\u663e\u8457\u7684\u7a0e\u6536\u51cf\u514d\uff0c\u66f4\u5177\u4f18\u52bf\u3002<\/p>\n<p>\u540c\u65f6\uff0c\u8fd8\u8981\u8003\u8651RRSP\u8d26\u6237\u5185\u7684\u8d44\u91d1\u6295\u8d44\u8ba1\u5212\u3002\u5982\u679c\u662f\u7528\u4e8e\u9000\u4f11\u540e\u7684\u957f\u671f\u50a8\u84c4\uff0cRRSP\u662f\u6700\u4f73\u9009\u62e9\uff0c\u56e0\u4e3a\u5b83\u80fd\u7acb\u5373\u964d\u4f4e\u7a0e\u8d1f\uff0c\u800c\u4e14\u8d44\u91d1\u53ef\u4ee5\u5728\u672a\u6765\u589e\u957f\u3002\u4f46\u662f\u5982\u679c\u7528\u4e8e\u77ed\u671f\u50a8\u84c4\uff0c\u5982\u8d2d\u8f66\u6216\u65c5\u884c\u5f00\u652f\uff0cRRSP\u4e0d\u9002\u5408\uff0c\u56e0\u4e3a\u53d6\u51fa\u8d44\u91d1\u65f6\u9700\u8981\u7f34\u7a0e\u3002\u514d\u7a0e\u50a8\u84c4\u8d26\u6237\uff08TFSA\uff09\u66f4\u9002\u5408\u77ed\u671f\u76ee\u6807\u3002<\/p>\n<figure class=\"image\" data-attachment-id=\"5712057\" data-aspect-ratio=\"1.7365\" data-width=\"771\" data-height=\"444\">\n<img decoding=\"async\" src=\"https:\/\/p0.51img.ca\/i\/67c5c11436e8c.jpeg\"><\/figure>\n<p><strong>\u5e94\u8be5\u5b58\u591a\u5c11\u8fdbRRSP\uff1f<\/strong><\/p>\n<p>\u5b58\u5165\u591a\u5c11\u53d6\u51b3\u4e8e\u4e2a\u4eba\u8d22\u52a1\u72b6\u51b5\uff0cVittoratos\u5efa\u8bae\u6bcf\u5e74\u5b58\u5165\u6536\u5165\u768410%\u662f\u4e00\u4e2a\u7406\u60f3\u7684\u53c2\u8003\u6807\u51c6\u3002\u4f46\u662f\u5982\u679c\u4f60\u6709\u9ad8\u989d\u7684\u4fe1\u7528\u5361\u503a\u52a1\uff0c\u5e94\u4f18\u5148\u8fd8\u503a\uff0c\u56e0\u4e3a\u9ad8\u5229\u606f\u8d1f\u503a\u7684\u6210\u672c\u8fdc\u8fdc\u8d85\u8fc7RRSP\u7684\u7a0e\u52a1\u4f18\u60e0\u3002<\/p>\n<p>Vittoratos\u8bf4\uff1a\u201c\u5982\u679c\u4f60\u6709\u9ad8\u606f\u503a\u52a1\uff0c\u5c31\u5148\u522b\u8003\u8651RRSP\uff0c\u5e94\u8be5\u4f18\u5148\u6e05\u7406\u503a\u52a1\u3002\u201d<\/p>\n<p>\u8bb8\u591a\u4eba\u5728\u622a\u6b62\u65e5\u671f\u524d\u5306\u5fd9\u5b58\u5165\u4e00\u7b14\u5927\u989d\u8d44\u91d1\uff0c\u4f46Vittoratos\u5efa\u8bae\u5206\u6708\u4f9b\u6b3e\uff0c\u907f\u514d\u538b\u529b\u8fc7\u5927\uff0c\u540c\u65f6\u66f4\u597d\u5730\u7ba1\u7406\u73b0\u91d1\u6d41\u3002\u4ed6\u8868\u793a\uff1a\u201c\u5f88\u591a\u4eba\u4f1a\u7b49\u5230\u6700\u540e\u4e00\u523b\u624d\u8865\u4e0a\u4f9b\u6b3e\uff0c\u5c24\u5176\u662f\u8fd9\u6b21\u7684\u622a\u6b62\u65e5\u671f\u5728\u5468\u4e00\u3002\u4f46\u6211\u5efa\u8bae\u4e0d\u8981\u8fd9\u6837\u505a\u3002\u201d<\/p>\n<p><strong>\u8d85\u989d\u4f9b\u6b3e\u7684\u7a0e\u52a1\u540e\u679c<\/strong><\/p>\n<p>\u5982\u679c\u4f9b\u6b3e\u8d85\u51faRRSP\u5e74\u5ea6\u4e0a\u9650\u7684$2,000\uff0c\u6839\u636eCRA\u89c4\u5b9a\uff0c\u8d85\u51fa\u90e8\u5206\u6bcf\u6708\u9700\u652f\u4ed81%\u7684\u7a0e\u6b3e\u3002<\/p>\n<p><strong>TFSA vs. RRSP\uff1a\u54ea\u4e2a\u66f4\u9002\u5408\u4f60\uff1f<\/strong><\/p>\n<figure class=\"image\" data-attachment-id=\"5712056\" data-aspect-ratio=\"1.7402\" data-width=\"757\" data-height=\"435\">\n<img decoding=\"async\" src=\"https:\/\/p0.51img.ca\/i\/67c5c1062d19e.jpeg\"><\/figure>\n<p>2025\u5e74\uff0c\u514d\u7a0e\u50a8\u84c4\u8d26\u6237\uff08TFSA\uff09 \u7684\u5e74\u5ea6\u4f9b\u6b3e\u4e0a\u9650\u63d0\u5347\u81f3$7,000\uff082024\u5e74\u4e3a$6,500\uff09\u3002<\/p>\n<p>\u5728TFSA\u8d26\u6237\u91cc\u7684\u6295\u8d44\u6536\u76ca\u662f\u514d\u7a0e\u7684\uff0c\u4ece\u8d26\u6237\u91cc\u53d6\u51fa\u8d44\u91d1\u4e5f\u514d\u7a0e\u3002Vittoratos\u6307\u51fa\uff1a\u201cTFSA\u7684\u7279\u70b9\u662f\u4f60\u65e0\u6cd5\u7acb\u5373\u83b7\u5f97\u51cf\u7a0e\u7684\u4f18\u60e0\uff0c\u5728\u5411TFSA\u8d26\u6237\u4f9b\u6b3e\u65f6\uff0c\u653f\u5e9c\u4e0d\u4f1a\u7ed9\u4f60\u7a0e\u6536\u51cf\u514d\uff0c\u4f46\u5f53\u4f60\u4ece\u8d26\u6237\u53d6\u6b3e\u65f6\u514d\u7a0e\u3002\u201d<\/p>\n<figure class=\"vote\"><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>\u9488\u5bf92024\u5e74\u62a5\u7a0e\u5b63\uff0c\u52a0\u62ff\u5927\u4eba\u5411\u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\uff08RRSP\uff09\u4f9b\u6b3e\u7684\u622a\u6b62\u65e5\u671f\u662f3\u67083\u65e5\u4eca\u5929\uff0c\u4ee5\u4fbf\u5c06\u5176\u8ba1\u5165\u5e74\u5ea6\u7684\u7a0e\u52a1\u6263\u9664\u989d\u3002 \u4eca\u5929\u4e4b\u540e\u5b58\u5165RRSP\u7684\u8d44\u91d1\uff0c\u53ea\u80fd\u5728\u660e\u5e74\u7684\u62a5\u7a0e\u5b63\u7533\u8bf7\u9000\u7a0e\u3002 RRSP\u7684\u7a0e\u52a1\u4f18\u52bf 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