{"id":93014,"date":"2025-11-25T12:42:01","date_gmt":"2025-11-25T16:42:01","guid":{"rendered":"https:\/\/www.chinesepress.com\/2025\/11\/25\/%e6%93%8d%e7%a2%8e%e4%ba%86%e5%bf%83%ef%bc%81%e5%8a%a0%e6%8b%bf%e5%a4%a7%e5%a5%b3%e5%ad%90%e6%94%92%e4%b8%8b330%e4%b8%87%ef%bc%8c64%e5%b2%81%e9%80%80%e4%bc%91%ef%bc%8c%e6%80%8e%e4%b9%88%e8%8a%b1\/"},"modified":"2025-11-25T12:42:01","modified_gmt":"2025-11-25T16:42:01","slug":"%e6%93%8d%e7%a2%8e%e4%ba%86%e5%bf%83%ef%bc%81%e5%8a%a0%e6%8b%bf%e5%a4%a7%e5%a5%b3%e5%ad%90%e6%94%92%e4%b8%8b330%e4%b8%87%ef%bc%8c64%e5%b2%81%e9%80%80%e4%bc%91%ef%bc%8c%e6%80%8e%e4%b9%88%e8%8a%b1","status":"publish","type":"post","link":"https:\/\/www.chinesepress.com\/pre\/archives\/93014","title":{"rendered":"\u64cd\u788e\u4e86\u5fc3\uff01\u52a0\u62ff\u5927\u5973\u5b50\u6512\u4e0b330\u4e07\uff0c64\u5c81\u9000\u4f11\uff0c\u600e\u4e48\u82b1\u6700\u7701\u7a0e\uff1f"},"content":{"rendered":"

64\u5c81\u7684Tammy\u662f\u4e00\u4f4d\u4e27\u5076\u591a\u5e74\u7684\u6bcd\u4eb2\uff0c\u6709\u4e24\u4e2a\u5df2\u6210\u5e74\u7684\u5b69\u5b50\u3002\u672c\u6708\uff0c\u5979\u5c06\u4ece\u94f6\u884c\u4e1a\u6b63\u5f0f\uff0c\u79bb\u5f00\u5e74\u85aa\u63a5\u8fd114\u4e07\u52a0\u5143\u7684\u5168\u804c\u5c97\u4f4d\u3002\u9000\u4f11\u540e\u7684\u5979\u4e0d\u4ec5\u62e5\u6709\u6bcf\u5e7445,660\u52a0\u5143\u7684\u56fa\u5b9a\u6536\u76ca\u517b\u8001\u91d1\uff08\u4e0d\u968f\u901a\u80c0\u8c03\u6574\uff09\uff0c\u8fd8\u62e5\u6709\u8fd1330\u4e07\u52a0\u5143\u7684\u6295\u8d44\u4e0e\u50a8\u84c4\uff0c\u5982\u679c\u52a0\u4e0a\u623f\u4ea7\u4e0e\u517b\u8001\u91d1\u73b0\u503c\uff0c\u5979\u7684\u8d44\u4ea7\u603b\u989d\u63a5\u8fd1490\u4e07\u52a0\u5143\u3002<\/p>\n

\u5982\u4eca\uff0c\u5979\u63d0\u51fa\u4e86\u8bb8\u591a\u5373\u5c06\u9000\u4f11\u7684\u52a0\u62ff\u5927\u4eba\u90fd\u4f1a\u9762\u4e34\u7684\u95ee\u9898\uff1a\u5982\u4f55\u4ee5\u6700\u8282\u7a0e\u7684\u65b9\u5f0f\u63d0\u53d6 RRSP\u3001\u51cf\u5c11\u672a\u6765\u7a0e\u8d1f\u3001\u540c\u65f6\u786e\u4fdd\u9000\u4f11\u91d1\u5145\u8db3\uff1f<\/strong><\/p>\n

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

\u5979\u95ee\u5230\uff1a\u201c\u6211\u7684RRSP\u6700\u597d\u7684\u9000\u51fa\u7b56\u7565\u662f\u4ec0\u4e48\uff1f\u9000\u4f11\u540e\u7684\u51e0\u5e74\u91cc\u5148\u4eceRRSP\u63d0\u6b3e\uff0c\u7b49\u523070\u5c81\u518d\u9886\u653f\u5e9c\u798f\u5229\uff0c\u8fd9\u6837\u505a\u5212\u7b97\u5417\uff1f\u6bcf\u5e74\u5e94\u8be5\u53d6\u591a\u5c11\uff1fRRSP\u53c8\u5e94\u8be5\u4ec0\u4e48\u65f6\u5019\u8f6cRRIF\uff1f\u201d<\/p>\n

Tammy\u7684\u9000\u4f11\u751f\u6d3b\u76ee\u6807\u660e\u786e\uff1a\u7a0e\u540e\u6bcf\u5e7472,000\u52a0\u5143\u7684\u82b1\u8d39\u3002<\/p>\n

\u4e3a\u4e86\u89e3\u7b54\u8fd9\u4e9b\u95ee\u9898\uff0c\u300a\u73af\u7403\u90ae\u62a5\u300b\u9080\u8bf7\u4e86\u591a\u4f26\u591a\u8ba4\u8bc1\u89c4\u5212\u5e08\uff08CFP\uff09\u517c\u7279\u8bb8\u91d1\u878d\u5206\u6790\u5e08\uff08CFA\uff09\u7684Anita Bruinsma\uff0c\u5168\u9762\u5206\u6790Tammy\u7684\u60c5\u51b5\u3002<\/p>\n

Bruinsma\u6307\u51fa\uff0cTammy\u6bcf\u5e74\u5c06\u4ece\u517b\u8001\u91d1\u548cCPP\u9057\u5c5e\u91d1\u83b7\u5f97\u7ea6$52,230\u52a0\u5143\u7a0e\u524d\u6536\u5165\uff0c\u5176\u4f59\u6240\u9700\u8d44\u91d1\u6765\u81ea\u5979\u7684\u5e9e\u5927\u6295\u8d44\u7ec4\u5408\u3002<\/p>\n

\u4f46\u4e13\u5bb6\u63d0\u9192\uff0c\u4ece\u957f\u671f\u6765\u770b\uff0c\u5f53\u597972\u5c81\u5fc5\u987b\u5f00\u59cb\u8fdb\u884cRRIF\u6700\u4f4e\u5f3a\u5236\u63d0\u6b3e\u65f6\uff0c\u5979\u7684\u5e74\u6536\u5165\u5c06\u4f1a\u9ad8\u4e8e\u652f\u51fa\u9700\u6c42\u3002<\/p>\n

\u5979\u53ef\u4ee5\u5c06\u591a\u4f59\u6536\u5165\u7ee7\u7eed\u6295\u5165TFSA\u6216\u975e\u6ce8\u518c\u8d26\u6237\uff0c\u8fd9\u610f\u5473\u7740Tammy \u7684\u8d22\u5bcc\u5c06\u4e0d\u65ad\u589e\u957f\uff0c\u6700\u7ec8\u7559\u4e0b\u4e00\u4efd\u6bd4\u73b0\u5728\u66f4\u5927\u7684\u9057\u4ea7\u3002<\/p>\n

Tammy\u8868\u793a\uff0c\u5979\u5e0c\u671b\u5728\u8282\u7a0e\u7684\u540c\u65f6\uff0c\u8ba9\u6295\u8d44\u7ee7\u7eed\u4ea7\u751f\u6536\u76ca\uff0c\u53c8\u5c3d\u91cf\u4e0d\u52a8\u672c\u91d1\u3002<\/p>\n

Bruinsma\u8868\u793a\uff1a\u201c\u5979\u5b8c\u5168\u4e0d\u9700\u8981\u9760\u6295\u8d44\u6536\u76ca\u6765\u652f\u4ed8\u751f\u6d3b\u8d39\u7528\u3002\u5979\u7684\u975e\u6ce8\u518c\u8d26\u6237\u672a\u6765\u4f1a\u6301\u7eed\u589e\u52a0\uff0c\u5979\u4e0d\u4f1a\u52a8\u7528\u672c\u91d1\u3002\u201d<\/p>\n

\u4f46\u574f\u6d88\u606f\u662f\uff1aTammy \u4ecd\u5c06\u5728\u672a\u6765\u51e0\u5341\u5e74\u627f\u62c5\u975e\u5e38\u9ad8\u7684\u7a0e\u8d1f<\/strong>\u3002\u5373\u4fbf\u900f\u8fc7\u7b56\u7565\u6027\u63d0\u6b3e\u4e0e\u6295\u8d44\u89c4\u5212\uff0c\u4e5f\u53ea\u80fd\u7565\u5fae\u51cf\u5c11\u7a0e\u6b3e\uff0c\u96be\u4ee5\u5927\u5e45\u964d\u4f4e\u7ec8\u8eab\u603b\u7a0e\u989d\u3002<\/p>\n

\u4e3a\u4e86\u8fbe\u5230\u201c\u7ec8\u8eab\u7a0e\u8d1f\u6700\u4f4e\u3001\u9057\u4ea7\u4ef7\u503c\u6700\u5927\u201d\u7684\u76ee\u6807\uff0cBruinsma\u63d0\u51fa\u4ee5\u4e0b\u8be6\u7ec6\u7b56\u7565\uff1a<\/p>\n

1. 65\u5c81\u5f00\u59cb\u4eceRRSP\/RRIF\u6bcf\u5e74\u63d0\u6b3e$80,000\uff0c\u4e00\u76f4\u5230 71 \u5c81<\/strong><\/p>\n

\u8fd9\u4e9b\u63d0\u6b3e\u5728\u521d\u671f\u4f1a\u8ba9Tammy\u7684\u6536\u5165\u9ad8\u4e8e\u652f\u51fa\uff0c\u4f46\u6709\u52a9\u4e8e\u672a\u6765\u51cf\u5c11RRIF\u88ab\u8feb\u7684\u5927\u989d\u63d0\u6b3e\uff0c\u964d\u4f4e\u7a0e\u7387\u3002<\/p>\n

\u591a\u4f59\u8d44\u91d1\u53ef\u7ee7\u7eed\u6295\u5165TFSA\uff0c\u5176\u4f59\u653e\u8fdb\u975e\u6ce8\u518c\u8d26\u6237\u3002<\/p>\n

2. CPP\u5fc5\u987b\u63a8\u8fdf\u81f370\u5c81\u9886\u53d6\uff08\u975e\u5e38\u5173\u952e\uff09<\/strong><\/p>\n

Bruinsma \u5f3a\u8c03\uff1aTammy\u5e94\u5c06CPP\u5ef6\u8fdf\u523070\u5c81\uff0c\u8ba9\u7ec8\u8eab\u9886\u53d6\u91d1\u989d\u66f4\u9ad8\u3002<\/p>\n

Tammy\u76ee\u524d\u5728\u9886\u53d6CPP\u9057\u5c5e\u91d1\uff08survivor\u2019s pension\uff09\uff0c\u6765\u81ea\u5979\u5df2\u6545\u7684\u4e08\u592b\u3002\u4e00\u65e6\u5979\u5f00\u59cb\u9886\u53d6\u81ea\u5df1\u7684CPP\uff0c\u4e24\u8005\u5c06\u53d7\u5230\u4e00\u4e2a\u975e\u5e38\u660e\u786e\u7684\u89c4\u5b9a\uff1a\u5979\u7684\u4e2a\u4ebaCPP + \u9057\u5c5eCPP\u7684\u5408\u8ba1\u91d1\u989d = \u4e0d\u80fd\u8d85\u8fc7\u5f53\u5e74\u7684CPP\u5e74\u5ea6\u6700\u9ad8\u9886\u53d6\u989d\u3002<\/strong><\/p>\n

\u5982\u679c\u5979\u5728 65 \u5c81\u63d0\u524d\u9886\u53d6\u81ea\u5df1\u7684CPP\uff0c\u5979\u5c06\u201c\u6324\u6389\u201d\u90e8\u5206\u5f53\u524d\u6b63\u5728\u9886\u53d6\u7684\u9057\u5c5e\u91d1\uff0c\u8fd9\u610f\u5473\u7740\u5979\u4f1a\u635f\u5931\u4e08\u592b\u7559\u4e0b\u7684\u90e8\u5206CPP\u798f\u5229\u3002\u63a8\u8fdf\u523070\u5c81\u9886\u53d6 CPP\uff0c\u80fd\u8ba9\u5979\u5728\u4e0d\u727a\u7272\u9057\u5c5e\u91d1\u7684\u60c5\u51b5\u4e0b\u62ff\u5230\u66f4\u9ad8\u7684\u4e2a\u4eba CPP\u3002<\/p>\n

3. OAS \u6bcf\u5e74\u90fd\u4f1a\u88ab\u5b8c\u5168\u56de\u6536\uff08clawback\uff09<\/strong><\/p>\n

Tammy\u7684\u9ad8\u6536\u5165\u5bfc\u81f4\u5979\u7684OAS\u5c06\u88ab\u5168\u989d\u8ffd\u56de\u3002\u5373\u4f7f\u5979\u572870\uff5e71\u5c81\u9886\u5230\u5c11\u91cfOAS\uff0c\u4e5f\u4e0d\u5efa\u8bae\u4e3a\u4e86\u4fdd\u7559OAS\u800c\u505c\u6b62RRIF\u63d0\u6b3e\uff0c\u56e0\u4e3aRRSP\u63d0\u524d\u63d0\u6b3e\u7684\u8282\u7a0e\u6548\u76ca\uff0c\u8fdc\u5927\u4e8e\u62ff\u5230\u51e0\u5343\u5757 OAS \u7684\u597d\u5904\u3002<\/p>\n

4. RRSP\u4e0d\u8981\u4e00\u6b21\u6027\u8f6c\u6210RRIF<\/strong><\/p>\n

Tammy\u5e94\u8be5\u53ea\u628a\u7ea655\u4e07\u52a0\u5143\u8f6c\u6362\u6210RRIF\uff0c\u800c\u4e0d\u662f\u4e00\u6b21\u6027\u5168\u90e8\u8f6c\u6362\u3002<\/p>\n

\u8fd9\u6837\u5979\u53ef\u4ee5\u5b8c\u5168\u638c\u63e1\u63d0\u6b3e\u8282\u594f\uff0c\u907f\u514d\u5728\u672a\u6765\u88ab\u8feb\u63d0\u53d6\u8d85\u8fc7\u81ea\u5df1\u9700\u8981\u7684\u8d44\u91d1\u3002<\/p>\n

\u8fd9\u4e5f\u662f\u8bb8\u591a\u9ad8\u8d44\u4ea7\u9000\u4f11\u4eba\u58eb\u5e38\u72af\u7684\u9519\u8bef\uff1aRRSP\u5168\u90e8\u8f6c\u6210RRIF\uff0c\u5bfc\u81f4\u88ab\u8feb\u7f34\u7a0e\u66f4\u591a\u3002<\/p>\n

5. \u964d\u4f4e\u80a1\u606f\u6536\u5165\uff0c\u907f\u514d\u6295\u8d44\u7ec4\u5408\u4ea7\u751f\u8fc7\u591a\u5e94\u7a0e\u73b0\u91d1\u6d41<\/strong><\/p>\n

Tammy\u662f\u81ea\u4e3b\u7ba1\u7406\u6295\u8d44\u7ec4\u5408\u7684\u6295\u8d44\u8005\uff0c\u4e00\u76f4\u6301\u6709\u5927\u91cf\u80a1\u7968\u3002\u622a\u81f3\u76ee\u524d\uff0c\u8fd180%\u7684\u8d44\u4ea7\u662f\u80a1\u7968\u3002\u8fd9\u8ba9\u5979\u53bb\u5e74\u5149\u9760\u80a1\u606f\u4e0e\u5229\u606f\u5c31\u8d5a\u4e86\u7ea65\u4e07\u52a0\u5143\uff0c\u5927\u5e45\u589e\u52a0\u4e86\u5e94\u7a0e\u6536\u5165\u3002<\/p>\n

Bruinsma\u5efa\u8bae\uff1a<\/p>\n

    \n
  • \u53ef\u51cf\u5c11\u9ad8\u80a1\u606f\u80a1\u7968\uff08\u94f6\u884c\u3001\u7ba1\u9053\u3001\u516c\u7528\u4e8b\u4e1a\uff09<\/li>\n
  • \u589e\u52a0\u4f4e\u80a1\u606f\u80a1\u7968<\/li>\n
  • \u4f7f\u7528\u80a1\u606f\u518d\u6295\u8d44\uff08DRIP\uff09<\/li>\n
  • \u5fc5\u8981\u65f6\u5356\u51fa\u90e8\u5206\u8d44\u4ea7\u91cd\u65b0\u914d\u7f6e\uff0c\u4f46\u9700\u8c28\u614e\uff0c\u56e0\u4e3a\u4f1a\u89e6\u53d1\u8d44\u672c\u589e\u503c\u7a0e<\/li>\n<\/ul>\n

    \u4e0d\u8fc7\uff0c\u5b8c\u5168\u907f\u514d\u80a1\u606f\u6536\u5165\u662f\u4e0d\u53ef\u80fd\u7684\uff0c\u5426\u5219\u98ce\u9669\u4f1a\u660e\u663e\u589e\u52a0\u3002<\/p>\n

    6. \u964d\u4f4e\u5229\u606f\u6536\u5165\uff1a\u51cf\u5c11\u503a\u5238\u3001\u73b0\u91d1\u3001GIC\u6bd4\u4f8b<\/strong><\/p>\n

    Tammy\u6700\u8fd1\u56e0\u4e3a\u62c5\u5fc3\u5e02\u573a\u4e0b\u8dcc\u800c\u5c06\u90e8\u5206\u80a1\u7968\u5356\u51fa\uff0c\u8f6c\u4e3a\u6301\u6709\u73b0\u91d1\u3002\u4f46\u4e13\u5bb6\u6307\u51fa\uff0c\u66f4\u591a\u73b0\u91d1\u3001GIC\u3001\u503a\u5238\uff0c\u76f8\u5f53\u4e8e\u66f4\u591a\u5229\u606f\u6536\u5165\u548c\u66f4\u591a\u7a0e\u3002\u800c\u66f4\u591a\u80a1\u7968\uff0c\u76f8\u5f53\u4e8e\u7a0e\u66f4\u5c11\uff0c\u4f46Tammy\u5fc5\u987b\u80fd\u627f\u53d7\u98ce\u9669\uff0c\u8fd9\u662f\u98ce\u9669\u4e0e\u7a0e\u52a1\u4e4b\u95f4\u7684\u6743\u8861\u3002<\/p>\n

    \u6839\u636e\u89c4\u5212\u6a21\u578b\uff0cRRSP\/RRIF\u5c06\u572897\u5c81\u524d\u540e\u8017\u5c3d\uff0cTFSA\u5979\u4e00\u8f88\u5b50\u65e0\u9700\u52a8\u7528\u3002\u975e\u6ce8\u518c\u6295\u8d44\u4f1a\u5728\u66f4\u9ad8\u9f84\u65f6\u624d\u5f00\u59cb\u52a8\u7528\uff0c\u4e5f\u5c31\u662f\u8bf4\uff0cTammy\u7684\u8d22\u52a1\u72b6\u51b5\u6781\u5176\u7a33\u5065\u3002<\/p>\n

    \u5979\u751a\u81f3\u53ef\u4ee5\u8003\u8651\uff1a\u5728\u9057\u5631\u4e2d\u8bbe\u7acb\u6148\u5584\u6350\u8d60\uff1b\u6216\u751f\u524d\u8d60\u4e0e\u8bc1\u5238\uff0c\u8fd9\u6837\u53ef\u4ee5\u6709\u6548\u51cf\u5c11\u8d44\u672c\u589e\u503c\u7a0e\uff0c\u964d\u4f4e\u9057\u4ea7\u7a0e\u3002<\/p>\n

    \u4ee5\u4e0b\u662fTammy\u7684\u8d44\u4ea7\u72b6\u51b5\uff1a<\/strong><\/p>\n

    \u8d44\u4ea7\uff1a<\/strong><\/p>\n

    \u94f6\u884c\u8d26\u6237\uff1a$255,485<\/p>\n

    GIC\uff1a$30,000<\/p>\n

    \u975e\u6ce8\u518c\u80a1\u7968\uff1a$1,044,075<\/p>\n

    TFSA\uff1a$197,563<\/p>\n

    RRSP\uff1a$1,755,449<\/p>\n

    \u81ea\u4f4f\u623f\uff1a$1,600,000<\/p>\n

    \u8d44\u4ea7\u603b\u8ba1\uff1a$4,882,572<\/strong><\/p>\n

    \u517b\u8001\u91d1\u73b0\u503c\u4f30\u7b97\uff1a<\/strong> $1,100,000
    \uff08\u7b49\u540c\u4e8e\u65e0\u517b\u8001\u91d1\u8005\u9700\u5b58\u4e0b\u7684\u91d1\u989d\uff09<\/p>\n

    \u6bcf\u6708\u652f\u51fa\uff1a$4,945<\/strong>
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