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class=\"wp-block-paragraph\">\u5bf9\u4e8e\u5883\u5916\u6295\u8d44\u3001\u5c31\u4e1a\u548c\u517b\u8001\u91d1\u6536\u5165,\u62b5\u514d\u989d\u901a\u8fc7<strong>T2209\u8868\u683c\u2014\u2014\u8054\u90a6\u5883\u5916\u7a0e\u6536\u62b5\u514d<\/strong>\u8ba1\u7b97,\u8ba1\u7b97\u7ed3\u679c\u586b\u5165\u60a8T1\u62a5\u7a0e\u8868\u7684<strong>\u7b2c40500\u884c<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8be5\u62b5\u514d\u989d<strong>\u4e0a\u9650\u4e3a\u8be5\u7b14\u5883\u5916\u6536\u5165\u5bf9\u5e94\u7684\u52a0\u62ff\u5927\u7a0e\u989d<\/strong>\u2014\u2014\u60a8\u83b7\u5f97\u7684\u62b5\u514d\u4e0d\u80fd\u8d85\u8fc7\u8be5\u6536\u5165\u5e94\u7f34\u7684\u52a0\u62ff\u5927\u7a0e\u6b3e\u3002\u5982\u679c\u60a8\u7f34\u7eb3\u7684\u5883\u5916\u7a0e\u6b3e\u8d85\u8fc7\u4e86\u8be5\u6536\u5165\u5bf9\u5e94\u7684\u52a0\u62ff\u5927\u7a0e\u6b3e,\u8d85\u51fa\u90e8\u5206\u4e0d\u80fd\u7ed3\u8f6c(\u9002\u7528\u4e8e\u975e\u7ecf\u8425\u6027\u6536\u5165)\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e\u5883\u5916<strong>\u7ecf\u8425<\/strong>\u6536\u5165,\u8ba1\u7b97\u65b9\u5f0f\u6709\u6240\u4e0d\u540c,\u89c4\u5219\u4e5f\u66f4\u4e3a\u590d\u6742,\u540c\u6837\u901a\u8fc7T2209\u8868\u683c\u8fdb\u884c,\u4f46\u8d85\u51fa\u90e8\u5206\u53ef\u4ee5\u5411\u540e\u7ed3\u8f6c10\u5e74\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u7701\u7ea7\u5883\u5916\u7a0e\u6536\u62b5\u514d\u2014\u2014T2036\u8868\u683c<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u60a8\u7684\u8054\u90a6\u5883\u5916\u7a0e\u6536\u62b5\u514d\u4e0d\u8db3\u4ee5\u8986\u76d6\u60a8\u6240\u7f34\u7eb3\u7684\u5168\u90e8\u5883\u5916\u7a0e\u6b3e,\u5927\u591a\u6570\u7701\u4efd\u4f1a\u63d0\u4f9b<strong>\u7701\u7ea7\u8865\u5145\u62b5\u514d<\/strong>,\u901a\u8fc7<strong>T2036\u8868\u683c<\/strong>\u8ba1\u7b97\u3002\u5728\u9b41\u5317\u514b\u7701,\u7701\u7ea7\u5883\u5916\u7a0e\u6536\u62b5\u514d\u901a\u8fc7TP-1\u7533\u62a5\u8868\u914d\u5408<strong>TP-772\u8868\u683c<\/strong>\u7533\u8bf7\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5b9e\u4f8b\u8bf4\u660e\u2014\u2014\u5df2\u9884\u6263\u7a0e\u6b3e\u7684\u7f8e\u56fd\u80a1\u606f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u52a0\u62ff\u5927\u6295\u8d44\u8005\u6700\u5e38\u9047\u5230\u7684\u60c5\u5f62\u3002\u5047\u8bbe\u60a8\u5728\u4e00\u4e2a\u975e\u6ce8\u518c\u8d26\u6237\u4e2d\u6301\u6709\u7f8e\u56fd\u80a1\u7968\u3002\u8be5\u7f8e\u56fd\u516c\u53f8\u6d3e\u53d11,000\u7f8e\u5143\u80a1\u606f\u3002\u6839\u636e\u300a\u52a0\u62ff\u5927-\u7f8e\u56fd\u7a0e\u6536\u534f\u5b9a\u300b,\u7f8e\u56fd\u901a\u5e38\u4f1a\u5728\u6e90\u5934<strong>\u9884\u626315%<\/strong>\u7684\u7a0e\u6b3e(\u9002\u7528\u4e8e\u52a0\u62ff\u5927\u5c45\u6c11\u2014\u2014\u82e5\u65e0\u8be5\u534f\u5b9a,\u7a0e\u7387\u5c06\u4e3a30%)\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u7a0e\u524d\u80a1\u606f:1,000\u7f8e\u5143 \u2248 1,380\u52a0\u5143(\u5047\u8bbe\u6c47\u7387\u4e3a1.38)<\/li>\n\n\n\n<li>\u7f8e\u56fd\u9884\u6263\u7a0e(15%):150\u7f8e\u5143 \u2248 207\u52a0\u5143<\/li>\n\n\n\n<li>\u60a8\u5728\u7533\u62a5\u8868\u4e2d\u7533\u62a5\u7684\u5883\u5916\u6536\u5165\u4e3a<strong>1,380\u52a0\u5143<\/strong>\u2014\u2014\u800c\u4e0d\u662f1,173\u52a0\u5143<\/li>\n\n\n\n<li>\u60a8\u901a\u8fc7T2209\u7533\u8bf7<strong>207\u52a0\u5143<\/strong>\u7684\u5883\u5916\u7a0e\u6536\u62b5\u514d<\/li>\n\n\n\n<li>\u5982\u679c\u8be5\u80a1\u606f\u5bf9\u5e94\u7684\u52a0\u62ff\u5927\u7a0e\u6b3e\u4e3a510\u52a0\u5143(\u8fb9\u9645\u7a0e\u738737%),\u62b5\u514d207\u52a0\u5143\u540e,\u5b9e\u9645\u9700\u7f34\u7eb3<strong>\u51c0\u989d303\u52a0\u5143<\/strong><\/li>\n\n\n\n<li>\u603b\u8ba1\u7f34\u7a0e:207\u52a0\u5143 + 303\u52a0\u5143 = 510\u52a0\u5143\u2014\u2014\u6b63\u662f\u60a8\u901a\u5e38\u9002\u7528\u7684\u52a0\u62ff\u5927\u7a0e\u7387,\u6ca1\u6709\u88ab\u53cc\u91cd\u5f81\u7a0e<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u7a0e\u6536\u534f\u5b9a:\u8d85\u8fc7100\u9879\u534f\u8bae\u4e3a\u60a8\u7684\u6536\u5165\u63d0\u4f9b\u4fdd\u62a4<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u52a0\u62ff\u5927\u5df2\u4e0e<strong>100\u591a\u4e2a\u56fd\u5bb6<\/strong>\u7b7e\u8ba2\u4e86\u7a0e\u6536\u534f\u5b9a,\u5305\u62ec\u7f8e\u56fd\u3001\u82f1\u56fd\u3001\u6cd5\u56fd\u3001\u5fb7\u56fd\u3001\u6fb3\u5927\u5229\u4e9a\u3001\u58a8\u897f\u54e5\u3001\u4e2d\u56fd\u3001\u5370\u5ea6\u4ee5\u53ca\u5927\u591a\u6570\u6b27\u6d32\u56fd\u5bb6\u3002\u8fd9\u4e9b\u534f\u5b9a:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u89c4\u5b9a<strong>\u54ea\u4e00\u65b9\u6709\u6743\u5bf9<\/strong>\u6bcf\u79cd\u7c7b\u578b\u7684\u6536\u5165(\u5c31\u4e1a\u3001\u517b\u8001\u91d1\u3001\u80a1\u606f\u3001\u8d44\u672c\u5229\u5f97)\u5f81\u7a0e<\/li>\n\n\n\n<li>\u8bbe\u5b9a<strong>\u9884\u6263\u7a0e\u7684\u6700\u9ad8\u7a0e\u7387<\/strong>(\u80a1\u606f\u3001\u5229\u606f\u3001\u7279\u8bb8\u6743\u4f7f\u7528\u8d39)<\/li>\n\n\n\n<li>\u6709\u65f6\u5bf9\u67d0\u4e9b\u7c7b\u578b\u7684\u6536\u5165\u7ed9\u4e88<strong>\u5b8c\u5168\u8c41\u514d<\/strong><\/li>\n\n\n\n<li>\u5efa\u7acb<strong>\u5c45\u6c11\u8eab\u4efd\u51b2\u7a81\u89e3\u51b3<\/strong>\u673a\u5236(\u5224\u5b9a\u89c4\u5219)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u52a0\u62ff\u5927\u4e0e\u60a8\u6536\u5165\u6765\u6e90\u56fd\u4e4b\u95f4\u6ca1\u6709\u7a0e\u6536\u534f\u5b9a,\u60a8\u4ecd\u7136\u53ef\u4ee5\u5c31\u5df2\u7f34\u7eb3\u7684\u5883\u5916\u7a0e\u6b3e\u7533\u8bf7\u5883\u5916\u7a0e\u6536\u62b5\u514d\u2014\u2014\u4f46\u9002\u7528\u89c4\u5219\u53ef\u80fd\u4e0d\u5982\u6709\u534f\u5b9a\u7684\u60c5\u51b5\u6709\u5229,\u90e8\u5206\u53cc\u91cd\u5f81\u7a0e\u7684\u98ce\u9669\u4e5f\u66f4\u9ad8\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5b9e\u4f8b\u2014\u2014\u6cd5\u56fd\u517b\u8001\u91d1:<\/strong>\u300a\u52a0\u62ff\u5927-\u6cd5\u56fd\u7a0e\u6536\u534f\u5b9a\u300b\u89c4\u5b9a,\u652f\u4ed8\u7ed9\u52a0\u62ff\u5927\u5c45\u6c11\u7684\u6cd5\u56fd\u517b\u8001\u91d1\u5e94\u5728\u52a0\u62ff\u5927\u7eb3\u7a0e,\u4f46\u6cd5\u56fd\u4e5f\u53ef\u4ee5\u5bf9\u5176\u5f81\u7a0e(\u8bbe\u6709\u4e0a\u9650)\u3002\u5b9e\u9645\u64cd\u4f5c\u4e2d,\u60a8\u9700\u8981\u5728\u6cd5\u56fd<em>\u548c<\/em>\u52a0\u62ff\u5927\u90fd\u7533\u62a5\u8be5\u517b\u8001\u91d1,\u7136\u540e\u5728\u52a0\u62ff\u5927\u7533\u62a5\u8868\u4e2d\u5c31\u5df2\u7f34\u7eb3\u7684\u6cd5\u56fd\u7a0e\u6b3e\u7533\u8bf7\u62b5\u514d\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">T1135\u8868\u683c:\u7533\u62a5\u8d85\u8fc7100,000\u52a0\u5143\u7684\u5883\u5916\u8d44\u4ea7<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u5bf9\u4e8e\u62e5\u6709\u5883\u5916\u8d44\u4ea7\u7684\u52a0\u62ff\u5927\u5c45\u6c11\u6765\u8bf4,\u6700\u91cd\u8981\u2014\u2014\u4e5f\u6700\u5e38\u88ab\u5ffd\u89c6\u2014\u2014\u7684\u8868\u683c\u4e4b\u4e00\u3002\u5982\u679c\u60a8\u6301\u6709\u7684<strong>\u7279\u5b9a\u5883\u5916\u8d44\u4ea7<\/strong>\u5728\u5e74\u5185\u4efb\u4f55\u65f6\u523b\u7684<strong>\u603b\u6210\u672c\u8d85\u8fc7100,000\u52a0\u5143<\/strong>,\u60a8\u5c31\u5fc5\u987b\u968f\u60a8\u7684\u62a5\u7a0e\u8868\u4e00\u8d77\u63d0\u4ea4T1135\u8868\u683c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4ec0\u4e48\u662f\u300c\u7279\u5b9a\u5883\u5916\u8d44\u4ea7\u300d?<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5b58\u653e\u5728\u5883\u5916\u94f6\u884c\u8d26\u6237\u4e2d\u7684\u8d44\u91d1<\/li>\n\n\n\n<li>\u5728\u975e\u6ce8\u518c\u8d26\u6237\u4e2d\u6301\u6709\u7684\u5883\u5916\u516c\u53f8\u80a1\u7968<\/li>\n\n\n\n<li>\u5bf9\u5883\u5916\u5b9e\u4f53\u6301\u6709\u7684\u503a\u5238\u3001\u516c\u53f8\u503a\u6216\u5176\u4ed6\u503a\u6743<\/li>\n\n\n\n<li>\u4f4d\u4e8e\u5883\u5916\u7684\u4e0d\u52a8\u4ea7(\u7b2c\u4e8c\u5957\u4f4f\u5b85\u3001\u51fa\u79df\u623f\u4ea7)<\/li>\n\n\n\n<li>\u5883\u5916\u516c\u53f8\u7684\u80a1\u6743<\/li>\n\n\n\n<li>\u4f4d\u4e8e\u5883\u5916\u7684\u65e0\u5f62\u8d44\u4ea7(\u4e13\u5229\u3001\u8457\u4f5c\u6743)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">T1135\u8868\u683c\u4e0d\u6db5\u76d6\u7684\u8d44\u4ea7<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u6301\u6709\u5728\u6ce8\u518c\u8ba1\u5212\u4e2d\u7684\u5883\u5916\u8d44\u4ea7<\/strong>(RRSP\u3001RRIF\u3001RESP\u3001TFSA):\u5982\u679c\u60a8\u7684\u7f8e\u56fdETF\u6301\u6709\u5728RRSP\u8d26\u6237\u4e2d,\u5b83\u4eec\u4e0d\u8ba1\u5165100,000\u52a0\u5143\u7684\u95e8\u69db<\/li>\n\n\n\n<li><strong>\u4e13\u95e8\u7528\u4e8e\u7ecf\u8425\u6d3b\u8dc3\u4e1a\u52a1\u7684\u8d44\u4ea7<\/strong><\/li>\n\n\n\n<li><strong>\u4e2a\u4eba\u81ea\u7528\u7684\u5883\u5916\u4e3b\u8981\u5c45\u6240<\/strong>(\u5728\u67d0\u4e9b\u6761\u4ef6\u4e0b)<\/li>\n\n\n\n<li><strong>\u5728\u52a0\u62ff\u5927\u8bc1\u5238\u4ea4\u6613\u6240\u4e0a\u5e02\u7684\u52a0\u62ff\u5927\u516c\u53f8\u80a1\u7968<\/strong>,\u5373\u4f7f\u8be5\u516c\u53f8\u5728\u5883\u5916\u7ecf\u8425\u4e1a\u52a1<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u6839\u636e\u8d44\u4ea7\u91d1\u989d\u5206\u4e3a\u4e24\u4e2a\u90e8\u5206<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>A\u90e8\u5206(\u7b80\u5316\u7248):<\/strong>\u9002\u7528\u4e8e\u5883\u5916\u8d44\u4ea7\u603b\u6210\u672c\u4ecb\u4e8e100,000\u52a0\u5143\u81f3249,999\u52a0\u5143\u4e4b\u95f4\u7684\u60c5\u51b5\u3002\u60a8\u53ea\u9700\u6309\u7c7b\u522b\u586b\u5199\u603b\u6210\u672c\u548c\u603b\u6536\u5165\u2014\u2014\u65e0\u9700\u9010\u9879\u8be6\u7ec6\u5217\u51fa\u6bcf\u9879\u8d44\u4ea7\u3002<\/li>\n\n\n\n<li><strong>B\u90e8\u5206(\u8be6\u7ec6\u7248):<\/strong>\u5982\u679c\u603b\u6210\u672c\u8d85\u8fc7250,000\u52a0\u5143,\u5219\u5fc5\u987b\u4f7f\u7528\u6b64\u90e8\u5206\u3002\u60a8\u5fc5\u987b\u9010\u9879\u5217\u51fa\u6bcf\u4e00\u9879\u8d44\u4ea7,\u5305\u62ec\u6240\u5728\u673a\u6784\u540d\u79f0\u3001\u6240\u5728\u56fd\u5bb6\u3001\u6210\u672c\u3001\u5e02\u573a\u4ef7\u503c\u4ee5\u53ca\u4ea7\u751f\u7684\u6536\u5165\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u672a\u63d0\u4ea4T1135\u7684\u4e25\u5389\u5904\u7f5a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">CRA\u5bf9\u672a\u63d0\u4ea4T1135\u8868\u683c\u7684\u884c\u4e3a\u975e\u5e38\u91cd\u89c6\u3002\u5373\u4f7f\u60a8\u5df2\u7ecf\u5728T1\u4e2d\u6b63\u786e\u7533\u62a5\u4e86\u6240\u6709\u5883\u5916\u6536\u5165,\u76f8\u5173\u5904\u7f5a\u4ecd\u7136\u9002\u7528:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u57fa\u672c\u7f5a\u6b3e:<\/strong>\u6bcf\u903e\u671f\u4e00\u5929<strong>25\u52a0\u5143<\/strong>,\u6700\u4f4e100\u52a0\u5143,\u6700\u9ad8<strong>2,500\u52a0\u5143<\/strong><\/li>\n\n\n\n<li><strong>\u91cd\u5927\u8fc7\u5931\u7f5a\u6b3e:<\/strong>\u5982\u679cCRA\u8ba4\u5b9a\u8be5\u9057\u6f0f\u662f\u6545\u610f\u4e3a\u4e4b,\u7f5a\u6b3e\u6700\u9ad8\u53ef\u8fbe<strong>\u672a\u7533\u62a5\u5883\u5916\u8d44\u4ea7\u603b\u4ef7\u503c\u76845%<\/strong>\u2014\u2014\u8fd9\u53ef\u80fd\u9ad8\u8fbe\u6570\u4e07\u52a0\u5143<\/li>\n\n\n\n<li><strong>\u5ef6\u957f\u7684\u91cd\u65b0\u8bc4\u4f30\u671f\u9650:<\/strong>\u901a\u5e38CRA\u67093\u5e74\u65f6\u95f4\u5bf9\u60a8\u8fdb\u884c\u91cd\u65b0\u8bc4\u4f30\u3002\u5982\u679c\u672a\u63d0\u4ea4T1135,\u8be5\u671f\u9650\u5c06<strong>\u5ef6\u957f3\u5e74<\/strong>\u2014\u2014\u603b\u8ba1\u957f\u8fbe6\u5e74<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u91cd\u8981\u5efa\u8bae:<\/strong>\u5982\u679c\u60a8\u53d1\u73b0\u81ea\u5df1\u5728\u4ee5\u5f80\u5e74\u5ea6\u672c\u5e94\u63d0\u4ea4T1135\u5374\u672a\u63d0\u4ea4,\u53ef\u4ee5\u4f7f\u7528CRA\u7684<strong>\u81ea\u613f\u62ab\u9732\u8ba1\u5212(VDP)<\/strong>\u6765\u7ea0\u6b63\u60a8\u7684\u60c5\u51b5\u3002\u5728\u7a0e\u52a1\u5ba1\u8ba1\u542f\u52a8\u4e4b\u524d\u4e3b\u52a8\u8fdb\u884c\u81ea\u613f\u62ab\u9732,\u901a\u5e38\u53ef\u4ee5\u907f\u514d\u6700\u4e25\u91cd\u7684\u5904\u7f5a\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u7ecf\u5e38\u88ab\u5ffd\u89c6\u7684\u5883\u5916\u50a8\u84c4\u4ea7\u54c1<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u67d0\u4e9b\u5728\u5176\u4ed6\u56fd\u5bb6\u5e38\u89c1\u7684\u50a8\u84c4\u4ea7\u54c1\u5728\u52a0\u62ff\u5927\u4e0d\u4eab\u6709\u4efb\u4f55\u7279\u6b8a\u5730\u4f4d,\u5373\u4f7f\u5b83\u4eec\u5728\u539f\u4ea7\u56fd\u300c\u514d\u7a0e\u300d,\u4e5f\u5fc5\u987b\u5728\u52a0\u62ff\u5927\u7533\u62a5:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u6cd5\u56fdA\u7c7b\u50a8\u84c4\u8d26\u6237(Livret A):<\/strong>\u5176\u5229\u606f\u5728\u6cd5\u56fd\u514d\u7a0e,\u4f46\u5728\u52a0\u62ff\u5927\u9700\u8981\u7eb3\u7a0e\u3002\u5fc5\u987b\u7533\u62a5\u5728\u60a8T1\u62a5\u7a0e\u8868\u7684\u7b2c12100\u884c\u3002<\/li>\n\n\n\n<li><strong>\u5883\u5916\u4eba\u5bff\u4fdd\u9669:<\/strong>\u5883\u5916\u4eba\u5bff\u4fdd\u9669\u5355\u5185\u7d2f\u79ef\u7684\u6536\u76ca,\u53ef\u80fd\u6839\u636e\u4ea7\u54c1\u7ed3\u6784\u5728\u52a0\u62ff\u5927\u9700\u8981\u7eb3\u7a0e\u3002CRA\u5bf9\u5883\u5916\u4fdd\u5355\u6709\u5177\u4f53\u7684\u89c4\u5b9a\u3002<\/li>\n\n\n\n<li><strong>\u7f8e\u56fdRoth IRA:<\/strong>\u5982\u679c\u60a8\u66fe\u5728\u7f8e\u56fd\u5de5\u4f5c\u5e76\u79ef\u7d2f\u4e86Roth IRA\u8d26\u6237,\u8be5\u8d26\u6237\u5185\u7684\u589e\u503c\u90e8\u5206\u901a\u5e38\u5728\u52a0\u62ff\u5927\u9700\u8981\u7eb3\u7a0e,\u8fd9\u4e0e\u7f8e\u56fd\u7684\u60c5\u51b5\u4e0d\u540c\u2014\u2014\u9664\u975e\u60a8\u6839\u636e\u300a\u52a0\u62ff\u5927-\u7f8e\u56fd\u7a0e\u6536\u534f\u5b9a\u300b\u505a\u51fa\u7279\u5b9a\u7684\u7a0e\u52a1\u9009\u62e9\u3002\u8bf7\u54a8\u8be2\u4e13\u4e1a\u4eba\u58eb\u3002<\/li>\n\n\n\n<li><strong>\u7f8e\u56fd401(k)\u53caIRA:<\/strong>\u5728\u300a\u52a0\u62ff\u5927-\u7f8e\u56fd\u7a0e\u6536\u534f\u5b9a\u300b\u89c4\u5b9a\u7684\u67d0\u4e9b\u6761\u4ef6\u4e0b,\u53ef\u4ee5\u7ee7\u7eed\u4ee5\u514d\u52a0\u62ff\u5927\u7a0e\u7684\u65b9\u5f0f\u589e\u503c\u2014\u2014\u4f46\u63d0\u53d6\u65f6\u5728\u52a0\u62ff\u5927\u9700\u8981\u7eb3\u7a0e\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u81ea\u52a8\u4fe1\u606f\u4ea4\u6362:CRA\u638c\u63e1\u7684\u4fe1\u606f\u6bd4\u60a8\u60f3\u8c61\u7684\u66f4\u591a<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">2026\u5e74\u9700\u8981\u7406\u89e3\u7684\u4e00\u4e2a\u91cd\u8981\u4e8b\u5b9e\u662f:<strong>CRA\u901a\u8fc7\u7ecf\u5408\u7ec4\u7ec7(OECD)\u7684\u5168\u7403\u7a0e\u52a1\u900f\u660e\u5316\u6846\u67b6(CRS\u2014\u2014\u5171\u540c\u7533\u62a5\u51c6\u5219)\u81ea\u52a8\u4ece100\u591a\u4e2a\u56fd\u5bb6\u83b7\u53d6\u91d1\u878d\u4fe1\u606f<\/strong>\u3002\u8fd9\u610f\u5473\u7740\u60a8\u5728\u6cd5\u56fd\u3001\u745e\u58eb\u3001\u7f8e\u56fd\u6216\u6fb3\u5927\u5229\u4e9a\u7684\u94f6\u884c,\u4f1a\u81ea\u52a8\u5411CRA\u4f20\u9001\u60a8\u8d26\u6237\u7684\u4fe1\u606f\u2014\u2014\u4f59\u989d\u3001\u5229\u606f\u3001\u5df2\u6536\u53d6\u7684\u80a1\u606f\u3002<\/p>\n\n\n\n<p 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class=\"wp-block-paragraph\">\u5982\u679c\u60a8\u6240\u6709<strong>\u7279\u5b9a\u5883\u5916\u8d44\u4ea7\u7684\u603b\u989d\u5728\u5e74\u5185\u4efb\u4f55\u65f6\u523b\u8d85\u8fc7\u4e86100,000\u52a0\u5143<\/strong>,\u5373\u4f7f\u8be5\u8d26\u6237\u672a\u4ea7\u751f\u4efb\u4f55\u6536\u5165,\u5373\u4f7f\u60a8\u5728\u5e74\u5e95\u524d\u5df2\u5c06\u5176\u5173\u95ed,\u60a8\u4ecd\u5fc5\u987b\u63d0\u4ea4T1135\u8868\u683c\u3002\u8be5\u95e8\u69db\u9002\u7528\u4e8e\u603b\u6210\u672c,\u800c\u975e\u5f53\u524d\u4ef7\u503c\u6216\u4ea7\u751f\u7684\u6536\u5165\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u6211RRSP\u8d26\u6237\u4e2d\u7684\u7f8e\u56fd\u80a1\u7968\u662f\u5426\u9700\u8981\u8ba1\u5165T1135?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u9700\u8981\u3002<strong>\u6301\u6709\u5728\u6ce8\u518c\u8ba1\u5212\u4e2d<\/strong>\u7684\u5883\u5916\u8d44\u4ea7(RRSP\u3001RRIF\u3001RESP\u3001TFSA\u3001FHSA)<strong>\u4e0d\u8ba1\u5165<\/strong>T1135\u8868\u683c\u7684\u8303\u56f4\u3002\u60a8\u5728\u8ba1\u7b97100,000\u52a0\u5143\u95e8\u69db\u65f6\u65e0\u9700\u5c06\u5176\u7eb3\u5165\u3002\u4f46\u5982\u679c\u60a8\u5728\u975e\u6ce8\u518c\u8d26\u6237\u4e2d\u6301\u6709\u76f8\u540c\u7684\u80a1\u7968,\u5219\u9700\u8981\u8ba1\u5165\u8ba1\u7b97\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5982\u679c\u5883\u5916\u7a0e\u6536\u62b5\u514d\u8d85\u8fc7\u6211\u5e94\u7f34\u7684\u52a0\u62ff\u5927\u7a0e\u6b3e,\u4f1a\u600e\u6837?<\/h3>\n\n\n\n<p 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