{"id":79543,"date":"2025-10-05T15:56:01","date_gmt":"2025-10-05T19:56:01","guid":{"rendered":"https:\/\/www.chinesepress.com\/2025\/10\/05\/%e5%8a%a0%e6%8b%bf%e5%a4%a7%e5%85%ac%e5%8a%a1%e5%91%98%e5%b9%b4%e8%96%aa12-5%e4%b8%87%e9%ab%98%e7%a6%8f%e5%88%a9-%e5%8d%96%e6%88%bf%e6%8f%90%e5%89%8d%e9%80%80%e4%bc%91%e8%bf%98%e8%83%bd%e5%b9%b4\/"},"modified":"2025-10-05T15:56:01","modified_gmt":"2025-10-05T19:56:01","slug":"%e5%8a%a0%e6%8b%bf%e5%a4%a7%e5%85%ac%e5%8a%a1%e5%91%98%e5%b9%b4%e8%96%aa12-5%e4%b8%87%e9%ab%98%e7%a6%8f%e5%88%a9-%e5%8d%96%e6%88%bf%e6%8f%90%e5%89%8d%e9%80%80%e4%bc%91%e8%bf%98%e8%83%bd%e5%b9%b4","status":"publish","type":"post","link":"https:\/\/www.chinesepress.com\/pre\/archives\/79543","title":{"rendered":"\u52a0\u62ff\u5927\u516c\u52a1\u5458\u5e74\u85aa$12.5\u4e07\u9ad8\u798f\u5229 \u5356\u623f\u63d0\u524d\u9000\u4f11\u8fd8\u80fd\u5e74\u5165$10\u4e07"},"content":{"rendered":"

\u5979\u5e74\u85aa12.5\u4e07\uff0c\u6709\u517b\u8001\u91d1\u3001\u6709\u623f\u4ea7\u3001\u6709\u50a8\u84c4\uff0c\u5374\u5728\u7ea0\u7ed3\uff1a<\/p>\n

\u201c\u6211\u8be5\u65e9\u70b9\uff0c\u8fd8\u662f\u7ee7\u7eed\u62fc5\u5e74\uff1f\u201d<\/p>\n

\u201c\u5356\u6389\u623f\u5b50\u53bb\u79df\uff0c\u4f1a\u4e0d\u4f1a\u66f4\u8f7b\u677e\uff1f\u201d<\/p>\n

\u52a0\u62ff\u592760\u5c81\u5973\u516c\u52a1\u5458\u60f3\u8981\u63d0\u524d\u9000\u4f11<\/strong><\/p>\n

Ann-Marie\u4eca\u5e7460\u5c81\uff0c\u5728\u52a0\u62ff\u5927\u8054\u90a6\u653f\u5e9c\u5de5\u4f5c\uff0c\u5e74\u85aa12.5\u4e07\u52a0\u5143\uff0c\u62e5\u6709\u4e00\u4efd\u56fa\u5b9a\u798f\u5229\u517b\u8001\u91d1\uff08Defined Benefit Pension Plan\uff09\uff0c\u9000\u4f11\u540e\u6bcf\u5e74\u53ef\u9886\u53d668,338\u52a0\u5143\uff0c65\u5c81\u540e\u53d8\u4e3a61,430\u52a0\u5143\uff0c\u8fd8\u4e0e\u901a\u80c0\u6302\u94a9\u3002<\/p>\n

\u542c\u8d77\u6765\u7a33\u7a33\u7684\u5e78\u798f\uff0c\u5bf9\u5427\uff1f\u4f46\u5979\u4ecd\u7136\u6709\u4e24\u4e2a\u6325\u4e4b\u4e0d\u53bb\u7684\u7126\u8651\uff1a\u6211\u80fd\u4e0d\u80fd\u572862\u5c81\u9000\u4f11\uff1f\u6211\u8981\u4e0d\u8981\u5356\u6389\u6211\u7684\u516c\u5bd3\u53bb\u79df\u623f\uff1f<\/p>\n

\n<\/figure>\n
\n<\/figure>\n

\u5979\u7684\u8d44\u4ea7\u60c5\u51b5<\/strong><\/p>\n

Ann-Marie\u6536\u5165\u7a33\u5b9a\uff0c\u751f\u6d3b\u8282\u4fed\u3002\u5979\u7684\u8d22\u52a1\u72b6\u51b5\u770b\u8d77\u6765\u76f8\u5f53\u5065\u5eb7\uff1a<\/p>\n

    \n
  • \u516c\u5bd3\u5e02\u503c\uff1a$95\u4e07<\/li>\n
  • \u623f\u8d37\u4f59\u989d\uff1a$34.5\u4e07<\/li>\n
  • \u6ce8\u518c\u9000\u4f11\u50a8\u84c4\u8ba1\u5212\uff08RRSP\uff09\uff1a$47.3\u4e07<\/li>\n
  • \u514d\u7a0e\u50a8\u84c4\u8d26\u6237\uff08TFSA\uff09\uff1a$62,845<\/li>\n
  • \u94f6\u884c\u5b58\u6b3e\uff1a$1.1\u4e07<\/li>\n
  • \u6bcf\u5e74\u652f\u51fa\uff1a\u7ea6$6.4\u4e07\u52a0\u5143\uff08\u542b\u623f\u8d37\u4e0e\u7269\u4e1a\u8d39\uff09<\/li>\n<\/ul>\n

    \u5979\u5e0c\u671b\u572862\u5c81\u9000\u4f11\uff0c\u76ee\u6807\u662f\u6bcf\u5e74\u7a0e\u540e\u80fd\u670910\u4e07\u52a0\u5143\u82b1\u9500\uff0c\u4ee5\u7ef4\u6301\u751f\u6d3b\u6c34\u51c6\u3001\u52a0\u5165\u8fd0\u52a8\u4ff1\u4e50\u90e8\u3001\u53d1\u5c55\u5174\u8da3\uff0c\u5e76\u5728\u7236\u6bcd\u9700\u8981\u65f6\u63d0\u4f9b\u7ecf\u6d4e\u652f\u6301\u3002<\/p>\n

    \u4e13\u5bb6\u5206\u6790\uff1a62\u5c81\u9000\u4f11\uff0c\u751f\u6d3b\u65e0\u538b\u529b<\/strong><\/p>\n

    \u6765\u81ea\u4e07\u9526\u5e02\u7684\u6ce8\u518c\u7406\u8d22\u89c4\u5212\u5e08Thuy Lam\u7b97\u4e86\u4e00\u7b14\u7ec6\u8d26\u3002<\/p>\n

    Lam\u8868\u793a\uff0cAnn-Marie\u7684\u517b\u8001\u91d1\u8ba1\u5212\u663e\u793a\u5176\u6807\u51c6\u9000\u4f11\u5e74\u9f84\u4e3a65\u5c81\uff0c\u4f46\u5979\u53ef\u572860\u5c81\u65f6\u65e0\u51cf\u989d\u9886\u53d6\u517b\u8001\u91d1\u3002\u4e5f\u5c31\u662f\u8bf4\uff0c\u5979\u5b8c\u5168\u53ef\u4ee5\u572862\u5c81\u9000\u4f11\uff0c\u7167\u6837\u62ff\u5168\u989d\u517b\u8001\u91d1\uff0c\u4e0d\u5fc5\u7b49\u523065\u5c81\u3002<\/p>\n

    \u201c\u591a\u6570\u56fa\u5b9a\u798f\u5229\u517b\u8001\u91d1\u4e0d\u4f1a\u56e0\u4e3a\u4f60\u5ef6\u8fdf\u9886\u53d6\u800c\u591a\u53d1\u94b1\uff0c\u6240\u4ee5\u5979\u572862\u5c81\u9000\u4f11\u65f6\u5f00\u59cb\u9886\u517b\u8001\u91d1\u662f\u5408\u7406\u7684\u3002\u201dLam\u8bf4\u3002<\/p>\n

    \u52a0\u62ff\u5927\u517b\u8001\u91d1\uff08CPP\uff09\u548c\u8001\u5e74\u91d1\uff08OAS\uff09\u82e5\u63a8\u8fdf\u9886\u53d6\uff0c\u91d1\u989d\u4f1a\u589e\u52a0\uff0c\u800c\u4e24\u8005\u90fd\u4e0d\u4f1a\u5f71\u54cd\u5979\u7684\u56fa\u5b9a\u798f\u5229\u517b\u8001\u91d1\u3002<\/p>\n

    \u5047\u8bbe\u59792028\u5e74\u9000\u4f11\uff0c\u7b2c\u4e00\u5e74\u6536\u5165\u9884\u8ba1\uff1a<\/p>\n

      \n
    • \u517b\u8001\u91d1\uff1a$6.97\u4e07<\/li>\n
    • RRSP\u63d0\u6b3e\uff1a$4\u4e07<\/li>\n
    • \u975e\u6ce8\u518c\u8d26\u6237\u63d0\u6b3e\uff1a$3.24\u4e07<\/li>\n
    • \u603b\u6536\u5165\uff08\u7a0e\u524d\uff09\uff1a$14.21\u4e07<\/li>\n<\/ul>\n

      \u6263\u96647,500\u52a0\u5143TFSA\u4f9b\u6b3e\u4e0e2.82\u4e07\u52a0\u5143\u6240\u5f97\u7a0e\u540e\uff0c\u5979\u7684\u7a0e\u540e\u6536\u5165\u4e3a10.64\u4e07\u52a0\u5143\uff0c\u521a\u597d\u8fbe\u5230\u5979\u7684\u76ee\u6807\u3002<\/p>\n

      62\u5c81\u9000\u4f11\uff0c\u751f\u6d3b\u65e0\u538b\u529b\u3002<\/p>\n

      \u662f\u5426\u8be5\u5356\u6389\u516c\u5bd3\uff1f<\/strong><\/p>\n

      Lam\u6307\u51fa\uff0c\u5982\u679cAnn-Marie\u9000\u4f11\u540e\u7ee7\u7eed\u6301\u6709\u516c\u5bd3\u5e76\u7ef4\u6301\u6bcf\u5e7410\u4e07\u652f\u51fa\uff0c\u9884\u8ba1\u5979\u7684\u50a8\u84c4\u5c06\u572867\u5c81\u8017\u5c3d\u3002\u5c4a\u65f6\uff0c\u5979\u53ea\u80fd\u901a\u8fc7\u5356\u623f\u6216\u623f\u5c4b\u51c0\u503c\u8d37\u6b3e\uff08HELOC\uff09\u624d\u80fd\u7ef4\u6301\u751f\u6d3b\u3002<\/p>\n

      \u4f46\u5982\u679c\u5979\u5728\u9000\u4f11\u65f6\u5356\u6389\u516c\u5bd3\uff0c\u60c5\u51b5\u5c06\u5b8c\u5168\u4e0d\u540c\u3002\u6263\u9664\u623f\u8d37\u4e0e\u9500\u552e\u8d39\u7528\u540e\uff0c\u5979\u5c06\u83b7\u5f97\u7ea663\u4e07\u52a0\u5143\u73b0\u91d1\u3002<\/p>\n

      \u5982\u679c\u5c06\u8d44\u91d1\u90e8\u5206\u5b58\u5165TFSA\uff0c\u4f59\u4e0b\u6295\u8d44\u4e8e\u975e\u6ce8\u518c\u8d26\u6237\uff0c\u5979\u7684\u8d44\u91d1\u9884\u8ba1\u53ef\u652f\u6491\u7ec8\u8eab\uff0c\u751a\u81f3\u523095\u5c81\u65f6\u6295\u8d44\u4f59\u989d\u4ecd\u53ef\u8fbe81.5\u4e07\u52a0\u5143\u3002<\/p>\n

      \u8ba1\u7b97\u5047\u8bbe\uff1a\u6295\u8d44\u5e74\u5316\u6536\u76ca\u73874.8%\uff08\u6263\u9664\u8d39\u7528\uff09\uff0c\u901a\u80c0\u73872.1%\u3002<\/p>\n

      \u79df\u623f\u7684\u597d\u5904\u4e0e\u98ce\u9669<\/strong><\/p>\n

      \u79df\u623f\u80fd\u8ba9\u73b0\u91d1\u6d41\u66f4\u7075\u6d3b\u3002<\/p>\n

      \u76ee\u524d\u5979\u7684\u516c\u5bd3\u6bcf\u6708\u82b1\u8d39\u7ea63,500\u52a0\u5143\uff08\u542b\u623f\u8d37\u4e0e\u7ba1\u7406\u8d39\uff09\uff0c\u5982\u679c\u79df\u4e00\u4e2a\u6bcf\u67082,500\u20133,000\u52a0\u5143\u7684\u623f\u5b50\uff0c\u53ef\u8282\u7701500\u20131,000\u52a0\u5143\u7528\u4e8e\u6295\u8d44\u3001\u65c5\u884c\u6216\u652f\u6301\u7236\u6bcd\u3002<\/p>\n

      Lam\u603b\u7ed3\u9053\uff1a\u201c\u5356\u623f\u80fd\u8ba9\u5979\u66f4\u65e9\u83b7\u5f97\u53ef\u6295\u8d44\u8d44\u4ea7\uff0c\u540c\u65f6\u51cf\u5c11\u6bcf\u6708\u652f\u51fa\uff0c\u8fd9\u4e24\u70b9\u90fd\u6709\u52a9\u4e8e\u63d0\u5347\u5979\u9000\u4f11\u540e\u7684\u5b89\u5168\u611f\u3002\u201d<\/p>\n

      \u4e0d\u8fc7\uff0c\u79df\u623f\u4e5f\u6709\u9690\u60a3\uff1a\u79df\u91d1\u4e0a\u6da8\u3001\u623f\u4e1c\u5356\u623f\u3001\u5408\u7ea6\u4e0d\u7eed\u7b49\u4e0d\u786e\u5b9a\u6027\u3002<\/p>\n

      Lam\u5efa\u8bae\u5979\u8003\u8651\u9762\u5411\u9000\u4f11\u7fa4\u4f53\u7684\u957f\u671f\u79df\u8d41\u623f\uff0c\u6216\u5356\u6389\u5927\u516c\u5bd3\u3001\u6362\u8d2d\u5c0f\u6237\u578b\u81ea\u4f4f\uff0c\u4f5c\u4e3a\u201c\u6298\u4e2d\u65b9\u6848\u201d\u3002<\/p>\n

      \u7a0e\u52a1\u4e0e\u9000\u4f11\u7b56\u7565<\/strong><\/p>\n

      \u4f5c\u4e3a\u5355\u8eab\u9000\u4f11\u8005\uff0cAnn-Marie\u65e0\u6cd5\u4e0e\u914d\u5076\u5206\u644a\u6536\u5165\uff0c\u8fd9\u610f\u5473\u7740\u66f4\u591a\u6536\u5165\u9700\u4ee5\u4e2a\u4eba\u7a0e\u7387\u5f81\u7a0e\uff0c\u751a\u81f3\u53ef\u80fd\u89e6\u53d1OAS\u524a\u51cf\u3002<\/p>\n

      \u4e13\u5bb6\u5efa\u8bae\uff1a<\/p>\n

        \n
      • \u63d0\u65e9\u4eceRRSP\u53d6\u6b3e\uff1a\u5728\u9886\u53d6CPP\/OAS\u524d\u51e0\u5e74\u63d0\u524d\u53d6\u51fa\u90e8\u5206RRSP\uff0c\u4ee5\u5e73\u8861\u672a\u6765\u5e94\u7a0e\u6536\u5165\u3002<\/li>\n
      • \u63a8\u8fdfCPP\u4e0eOAS\u523070\u5c81\uff1aCPP\u53ef\u589e\u52a042%\uff0cOAS\u53ef\u589e36%\uff0c\u65e2\u80fd\u964d\u4f4eOAS\u88ab\u524a\u51cf\u98ce\u9669\uff0c\u53c8\u80fd\u83b7\u5f97\u66f4\u9ad8\u7684\u7ec8\u8eab\u4fdd\u969c\u3002<\/li>\n
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        \u5979\u5e74\u85aa12.5\u4e07\uff0c\u6709\u517b\u8001\u91d1\u3001\u6709\u623f\u4ea7\u3001\u6709\u50a8\u84c4\uff0c\u5374\u5728\u7ea0\u7ed3\uff1a \u201c\u6211\u8be5\u65e9\u70b9\uff0c\u8fd8\u662f\u7ee7\u7eed\u62fc5\u5e74\uff1f\u201d \u201c\u5356\u6389\u623f\u5b50\u53bb\u79df\uff0c\u4f1a\u4e0d\u4f1a\u66f4\u8f7b\u677e\uff1f\u201d \u52a0\u62ff\u592760\u5c81\u5973\u516c\u52a1\u5458\u60f3\u8981\u63d0\u524d\u9000\u4f11 Ann-Marie\u4eca\u5e7460\u5c81\uff0c\u5728\u52a0\u62ff\u5927\u8054\u90a6\u653f…<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[131],"tags":[],"class_list":["post-79543","post","type-post","status-publish","format-standard","hentry","category-canada"],"_links":{"self":[{"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/posts\/79543","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/comments?post=79543"}],"version-history":[{"count":0,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/posts\/79543\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/media?parent=79543"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/categories?post=79543"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/tags?post=79543"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}