{"id":85688,"date":"2025-10-30T19:14:03","date_gmt":"2025-10-30T23:14:03","guid":{"rendered":"https:\/\/www.chinesepress.com\/2025\/10\/30\/%e5%b9%b4%e5%ba%95%e7%90%86%e8%b4%a2%e5%bf%85%e7%9c%8b%ef%bc%9a5%e4%b8%aa%e5%8a%a0%e6%8b%bf%e5%a4%a7%e4%ba%ba%e5%b8%b8%e6%bc%8f%e6%8e%89%e7%9a%84%e7%9c%81%e7%a8%8e%e6%9c%ba%e4%bc%9a\/"},"modified":"2025-10-30T19:14:03","modified_gmt":"2025-10-30T23:14:03","slug":"%e5%b9%b4%e5%ba%95%e7%90%86%e8%b4%a2%e5%bf%85%e7%9c%8b%ef%bc%9a5%e4%b8%aa%e5%8a%a0%e6%8b%bf%e5%a4%a7%e4%ba%ba%e5%b8%b8%e6%bc%8f%e6%8e%89%e7%9a%84%e7%9c%81%e7%a8%8e%e6%9c%ba%e4%bc%9a","status":"publish","type":"post","link":"https:\/\/www.chinesepress.com\/pre\/archives\/85688","title":{"rendered":"\u5e74\u5e95\u7406\u8d22\u5fc5\u770b\uff1a5\u4e2a\u52a0\u62ff\u5927\u4eba\u5e38\u6f0f\u6389\u7684\u7701\u7a0e\u673a\u4f1a"},"content":{"rendered":"<p>\u5e74\u5e95\u5c06\u81f3\uff0c\u52a0\u62ff\u5927\u4eba\u7684\u201c\u8282\u7a0e\u7a97\u53e3\u671f\u201d\u4e5f\u5feb\u5173\u4e0a\u4e86\u3002RRSP\u3001TFSA\u3001FHSA\u2026\u2026\u522b\u62d6\u5230\u6700\u540e\u4e00\u5206\u949f\u624d\u540e\u6094\uff01\u8fd9\u4efd\u5e74\u7ec8\u7406\u8d22\u6e05\u5355\u5e2e\u4f60\u591a\u7701\u4e00\u7b14\u771f\u91d1\u767d\u94f6\u3002<\/p>\n<p>\u300a\u73af\u7403\u90ae\u62a5\u300b\u8fd1\u65e5\u53d1\u8868\u4e86\u4e13\u680f\u4f5c\u8005Tim 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annuitant\uff09\u201d\u3002<\/li>\n<\/ul>\n<p>\u4e86\u89e3\u4f60\u7684TFSA\u989d\u5ea6\u5e76\u5584\u7528\u5b83\u3002<\/p>\n<p>2025\u5e74\uff0c\u5e74\u6ee118\u5c81\u7684\u4eba\u53ef\u5411\u514d\u7a0e\u50a8\u84c4\u8d26\u6237\uff08TFSA\uff09\u7f34\u7eb3<strong>\u6700\u9ad87,000\u52a0\u5143<\/strong>\uff0c\u5e76\u53ef\u4f7f\u7528\u4ee5\u5f80\u672a\u7528\u7684\u989d\u5ea6\u3002\u82e5\u4f60\u81ea2009\u5e74\uff08TFSA\u63a8\u51fa\u4e4b\u5e74\uff09\u8d77\u5df2\u6ee118\u5c81\u4f46\u4ece\u672a\u7f34\u7eb3\u8fc7\uff0c\u622a\u81f32025\u5e74\u4f60\u7684\u603b\u53ef\u7528\u989d\u5ea6\u5df2\u8fbe102,000\u52a0\u5143\u3002\u867d\u7136\u7f34\u7eb3TFSA\u65e0\u6cd5\u62b5\u7a0e\uff0c\u4f46\u8d26\u6237\u5185\u8d44\u4ea7\u589e\u957f\u4e0e\u63d0\u6b3e\u5747\u514d\u7a0e\u3002<\/p>\n<p>\u5176\u4ed6\u7b56\u7565\uff1a<\/p>\n<ul>\n<li>\u82e5\u8ba1\u5212\u63d0\u6b3e\uff0c\u5728\u5e74\u7ec8\u524d\u64cd\u4f5c\uff0c\u4ee5\u4fbf\u660e\u5e74\u66f4\u65e9\u91cd\u65b0\u4f9b\u6b3e\uff1b<\/li>\n<li>\u907f\u514d\u5728TFSA\u4e2d\u4ece\u4e8b\u7ecf\u8425\u6027\u6d3b\u52a8\uff1b<\/li>\n<li>\u6307\u5b9a\u201c\u7ee7\u627f\u6301\u6709\u4eba\uff08successor holder\uff09\u201d\uff1b<\/li>\n<li>\u5728\u5e74\u5e95\u524d\u6e05\u9664\u4e0d\u5408\u8d44\u683c\u6295\u8d44\u3002<\/li>\n<\/ul>\n<p>\u5e74\u5e95\u524d\u7f34\u6b3e\u53ef\u62b52025\u7a0e\u989d\u3002<\/p>\n<p>\u82e5\u4f60\u662f\u9996\u6b21\u8d2d\u623f\u8005\u4e14\u5e74\u6ee118\u5c81\uff0c\u8bf7\u52a1\u5fc5\u5f00\u8bbeFHSA\u8d26\u6237\u3002\u6bcf\u5e74\u6700\u591a\u53ef\u7f348,000\u52a0\u5143\uff0c\u7ec8\u8eab\u4e0a\u9650\u4e3a40,000\u52a0\u5143\u3002FHSA\u7684\u7f34\u6b3e\u4e0eRRSP\u4e00\u6837\u53ef\u62b5\u7a0e\uff0c\u4f46\u4e0d\u540c\u7684\u662f\uff0c2025\u5e74\u7684\u7f34\u6b3e\u5fc5\u987b\u572812\u670831\u65e5\u524d\u5b8c\u6210\uff0c\u4e0d\u80fd\u57282026\u5e74\u5934\u4e24\u4e2a\u6708\u8865\u7f34\u3002<\/p>\n<p><strong>FHSA\u4f18\u4e8eRRSP\u7684\u539f\u56e0<\/strong>\uff1a<\/p>\n<ul>\n<li>\u5373\u4f7f\u4f60\u6682\u65f6\u6ca1\u6253\u7b97\u4e70\u623f\uff0c\u4e5f\u503c\u5f97\u4f18\u5148\u4f7f\u7528FHSA\u2014\u2014<\/li>\n<li>\u5b83\u80fd\u4fdd\u7559\u672a\u6765\u7684RRSP\u989d\u5ea6\uff1b<\/li>\n<li>\u82e5\u6700\u7ec8\u672a\u8d2d\u623f\uff0c\u53ef\u5c06FHSA\u8d44\u91d1\u8f6c\u5165RRSP\uff0c\u4e0d\u5360\u7528RRSP\u989d\u5ea6\uff1b<\/li>\n<li>\u82e5\u5148\u7f34RRSP\u540e\u518d\u8f6c\u5165FHSA\uff0c\u5219RRSP\u989d\u5ea6\u4e0d\u4f1a\u9000\u56de\u3002<\/li>\n<\/ul>\n<p>\u6b64\u5916\u8981\u6ce8\u610f\uff0cFHSA\u8d26\u6237\u6700\u957f\u4ec5\u53ef\u5b58\u572815\u5e74\u3002<\/p>\n<p>\u4f18\u5316\u7f34\u6b3e\u7ed3\u6784\uff0c\u6700\u5927\u5316\u653f\u5e9c\u8865\u52a9\u3002<\/p>\n<p>RESP\u4e3a\u6bcf\u540d\u5b69\u5b50\u7684\u7ec8\u8eab\u7f34\u6b3e\u4e0a\u9650\u662f50,000\u52a0\u5143\u3002\u4f46\u82e5\u4e00\u6b21\u6027\u7f34\u8db3\uff0c\u5c06\u65e0\u6cd5\u83b7\u5f97\u5168\u90e8\u52a0\u62ff\u5927\u5b66\u4e60\u50a8\u84c4\u8865\u52a9\u91d1\uff08CESG\uff09\uff0c\u8be5\u8865\u52a9\u4e3a\u7f34\u6b3e\u768420%\uff0c\u6bcf\u5e74\u6700\u9ad8500\u52a0\u5143\uff0c\u5b69\u5b50\u4e00\u751f\u6700\u591a7,200\u52a0\u5143\u3002<\/p>\n<p>\u6700\u4f73\u7b56\u7565\u662f\uff1a<\/p>\n<ul>\n<li>\u603b\u7f34\u6b3e\u76ee\u6807\u4e3a36,000\u52a0\u5143\uff0836,000 \u00d7 20% = 7,200\uff09\uff1b<\/li>\n<li>\u7b2c\u4e00\u5e74\u53ef\u7f3414,000\u52a0\u5143\uff0850,000 \u2212 36,000\uff09\uff1b<\/li>\n<li>\u518d\u52a02,500\u52a0\u5143\uff08\u83b7\u5f97\u5f53\u5e74CESG\uff09\uff0c\u517116,500\u52a0\u5143\uff1b<\/li>\n<li>\u4e4b\u540e13\u5e74\u6bcf\u5e74\u7ea6\u7f342,500\u52a0\u5143\uff0c\u4ee5\u83b7\u53d6\u5168\u90e8\u653f\u5e9c\u8865\u52a9\u3002<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u5e74\u5e95\u5c06\u81f3\uff0c\u52a0\u62ff\u5927\u4eba\u7684\u201c\u8282\u7a0e\u7a97\u53e3\u671f\u201d\u4e5f\u5feb\u5173\u4e0a\u4e86\u3002RRSP\u3001TFSA\u3001FHSA\u2026\u2026\u522b\u62d6\u5230\u6700\u540e\u4e00\u5206\u949f\u624d\u540e\u6094\uff01\u8fd9\u4efd\u5e74\u7ec8\u7406\u8d22\u6e05\u5355\u5e2e\u4f60\u591a\u7701\u4e00\u7b14\u771f\u91d1\u767d\u94f6\u3002 \u300a\u73af\u7403\u90ae\u62a5\u300b\u8fd1\u65e5\u53d1\u8868\u4e86\u4e13\u680f\u4f5c\u8005Tim Cestnickr\u7684&hellip;<\/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-85688","post","type-post","status-publish","format-standard","hentry","category-canada"],"_links":{"self":[{"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/posts\/85688","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=85688"}],"version-history":[{"count":0,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/posts\/85688\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/media?parent=85688"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/categories?post=85688"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.chinesepress.com\/pre\/wp-json\/wp\/v2\/tags?post=85688"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}