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\u52a0\u62ff\u5927\u5973\u5b50Rosemary\u4eca\u5e74\u590f\u5929\u5e74\u6ee171\u5c81\uff0c\u5979\u77e5\u9053\u81ea\u5df1\u5fc5\u987b\u5c06\u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\uff08RRSP\uff09\u8f6c\u6362\u4e3a\u6ce8\u518c\u9000\u4f11\u6536\u5165\u57fa\u91d1\uff08RRIF\uff09\uff0c\u4f46\u4e0d\u786e\u5b9a\u64cd\u4f5c\u65b9\u6cd5\u53ca\u5f71\u54cd\u3002\u5979\u6709\u81ea\u4f4f\u623f\u548c\u51fa\u79df\u623f\uff0c\u540c\u65f6\u8fd8\u6709\u5927\u91cfRRSP\u3001TFSA\u5b58\u6b3e\uff0c\u5979\u62c5\u5fc3\u64cd\u4f5c\u4e0d\u5f53\u81ea\u5df1\u7684\u6bd5\u751f\u79ef\u84c4\u53ef\u80fd\u90fd\u4f1a\u4ea4\u4e86\u7a0e\u3002<\/p>\n

\n<\/figure>\n

Rosemary\u79bb\u5a5a\uff0c\u6709\u4e09\u4e2a\u6210\u5e74\u5b50\u5973\uff0c\u73b0\u5c45BC\u7701\uff0c\u751f\u6d3b\u8212\u9002\u3002\u7a0e\u524d\u5e74\u6536\u5165\u7ea610.5\u4e07\u52a0\u5143\uff0c\u5305\u62ec4.5\u4e07\u96c7\u4e3b\u517b\u8001\u91d1\u30011\u4e07\u5229\u606f\u6536\u5165\u30012.6\u4e07\u79df\u91d1\u6536\u5165\u30011.55\u4e07\u52a0\u62ff\u5927\u517b\u8001\u91d1\uff08CPP\uff09\u548c8600\u5143\u8001\u5e74\u4fdd\u969c\u91d1\uff08OAS\uff09\uff0c\u800c\u5979\u73b0\u5728\u6bcf\u5e74\u5f00\u652f\u7ea64.8\u4e07\u3002<\/p>\n

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\u5979\u60f3\u5356\u6389\u51fa\u79df\u5c4b\uff0c\u4f46\u62c5\u5fc3\u7a0e\u52a1\u95ee\u9898\u3002<\/p>\n

\u6e29\u54e5\u534e CastleBay Wealth Management Inc. \u7684\u8d22\u52a1\u89c4\u5212\u5e08\u517c\u6295\u8d44\u7ec4\u5408\u7ecf\u7406Graeme Egan\u8868\u793a\uff0cRRSP\u8f6c\u4e3aRRIF\u662f\u6574\u5408\u8d26\u6237\u548c\u6295\u8d44\u7684\u597d\u65f6\u673a\uff0c\u6700\u597d\u96c6\u4e2d\u5728\u4e00\u5bb6\u91d1\u878d\u673a\u6784\uff0c\u4fbf\u4e8e\u7ba1\u7406\u548c\u76d1\u63a7\u6295\u8d44\u7ec4\u5408\u3002\u8003\u8651\u5230Rosemary\u7684\u8d22\u5bcc\u72b6\u51b5\uff0c\u672a\u676510\u5e74\u91c7\u752850\/50\u621640\/60\u7684\u80a1\u503a\u6bd4\u4f8b\u90fd\u5408\u9002\u3002<\/p>\n

\u6309\u89c4\u5b9a\uff0c71\u5c81\u5f53\u5e74\u5e74\u5e95\u524d\u5fc5\u987b\u628aRRSP\u8f6c\u6362\u4e3aRRIF\uff0c\u4ece\u6b21\u5e74\u8d77\u5fc5\u987b\u6bcf\u5e74\u63d0\u53d6\u6700\u4f4e\u91d1\u989d\uff1a\u8d77\u59cb\u6bd4\u4f8b\u4e3a5.28%\uff0c\u6b21\u5e74\u5347\u81f35.4%\uff0c\u6b64\u540e\u9010\u5e74\u5c0f\u5e45\u589e\u52a0\u3002\u6ca1\u6709\u6700\u9ad8\u9650\u989d\uff0c\u4f46\u4e00\u6b21\u6027\u5168\u63d0\u4f1a\u4ea7\u751f\u5de8\u989d\u5e94\u7a0e\u6536\u5165\uff0c\u4e0d\u5efa\u8bae\u3002<\/p>\n

\u82e5Rosemary\u5c0667\u4e07RRSP\u8f6c\u5165RRIF\uff0c\u5979\u7b2c\u4e00\u5e74\u7684\u5f3a\u5236\u63d0\u6b3e\u989d\u4e3a23,103\u52a0\u5143\u3002\u73b0\u6709\u6295\u8d44\u5c06\u539f\u6837\u8f6c\u5165RRIF\u8d26\u6237\u3002<\/p>\n

\n<\/figure>\n

Egan\u8bf4Rosemary\u4e0d\u5fc5\u51fa\u552e\u6216\u66f4\u6539\u5979\u5f53\u524d\u7684\u6295\u8d44\u6301\u6709\uff0c\u4f46\u53d6\u51b3\u4e8e\u5979\u5e0c\u671b\u591a\u9891\u7e41\u5730\u9886\u53d6RRIF\u4ed8\u6b3e\uff0c\u5979\u548c\/\u6216\u5979\u7684\u987e\u95ee\u5fc5\u987b\u786e\u4fdd\u8d26\u6237\u4e2d\u6709\u8db3\u591f\u73b0\u91d1\u7528\u4e8eRRIF\u652f\u4ed8\u3002<\/p>\n

RRIF\u7684\u5e74\u5ea6\u63d0\u6b3e\u6bcf\u5e74\u90fd\u9700\u7531RRIF\u6301\u6709\u4eba\u7eb3\u7a0e\uff0c\u5e76\u4f1a\u6536\u5230\u4e00\u4efdT4RIF\u8868\u683c\uff0c\u663e\u793a\u652f\u4ed8\u91d1\u989d\u3002\u8fd9\u7b14\u91d1\u989d\u4f1a\u52a0\u5165\u62a5\u7a0e\u4e2d\u7684\u5176\u4ed6\u6536\u5165\u3002<\/p>\n

Egan\u8bf4\uff1a\u201c\u5982\u679c\u4f60\u6bcf\u5e74\u53ea\u63d0\u53d6\u89c4\u5b9a\u7684\u6700\u4f4e\u91d1\u989d\uff0c\u6301\u6709\u4f60RRIF\u7684\u91d1\u878d\u673a\u6784\u4e0d\u4f1a\u5728\u6e90\u5934\u9884\u6263\u4efb\u4f55\u6240\u5f97\u7a0e\u3002\u4e00\u65e6\u8d85\u8fc7\u6700\u4f4e\u5e74\u5ea6\u91d1\u989d\uff0c\u8d85\u989d\u63d0\u6b3e\u90e8\u5206\u5c31\u4f1a\u88ab\u9884\u6263\u7a0e\u6b3e\u3002\u201d<\/p>\n

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\u5728\u5979\u7684RRSP\u6295\u8d44\u65b9\u9762\uff0cEgan\u8bf4\uff0c\u9274\u4e8e\u5979\u7684\u5e74\u9f84\uff0c\u5e73\u8861\u578b\u5171\u540c\u57fa\u91d1\uff0850\/50\u80a1\u6743\/\u503a\u5238\uff09\u662f\u5408\u9002\u4e14\u6613\u4e8e\u7ba1\u7406\u7684\uff0c\u4f46\u5979\u53ef\u80fd\u8981\u8003\u8651\u6295\u8d44\u8d44\u4ea7\u914d\u7f6e\u578b\u4ea4\u6613\u6240\u4ea4\u6613\u57fa\u91d1\uff08ETF\uff09\uff0c\u5b83\u4eec\u5728\u7ed3\u6784\u4e0a\u4e0e\u5e73\u8861\u578b\u5171\u540c\u57fa\u91d1\u76f8\u4f3c\uff0c\u4f46\u7ba1\u7406\u8d39\u7387\u66f4\u4f4e\u3002<\/p>\n

\n<\/figure>\n

\u4ed6\u8bf4\uff1a\u201c\u8fd9\u4e9bETF\u65e0\u9700\u64cd\u5fc3\uff0c\u4e14\u4f1a\u81ea\u52a8\u518d\u5e73\u8861\u3002\u5982\u679c\u5979\u66f4\u559c\u6b22ETF\u6295\u8d44\u7ec4\u5408\uff0c\u5979\u53ef\u4ee5\u95ee\u987e\u95ee\u662f\u5426\u80fd\u4e3a\u5979\u914d\u7f6e\u4e00\u4e9b\u7279\u5b9a\u7684\u80a1\u6743\/\u503a\u5238ETF\uff0c\u4ee5\u66ff\u4ee3\u5979\u73b0\u6709\u7684\u5e73\u8861\u578b\u5171\u540c\u57fa\u91d1\u3002\u201d<\/p>\n

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