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class=\"wp-block-paragraph\">\u5728\u6536\u5165\u8f83\u4f4e\u7684\u8fd9\u4e9b\u5e74\u4efd\u4e3b\u52a8\u63d0\u53d6RRSP,\u8d76\u5728\u653f\u5e9c\u517b\u8001\u91d1\u548c\u5f3a\u5236\u6027RRIF\u63d0\u53d6\u63a8\u9ad8\u4f60\u7684\u5e94\u7a0e\u6536\u5165\u4e4b\u524d\u3002\u76ee\u6807\u662f\u5728\u6574\u4e2a\u9000\u4f11\u671f<strong>\u5e73\u6ed1\u4f60\u7684\u5e94\u7a0e\u6536\u5165<\/strong>,\u907f\u514d\u8fb9\u9645\u7a0e\u7387\u51fa\u73b0\u5cf0\u503c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. \u4e0e\u914d\u5076\u5206\u644a\u517b\u8001\u91d1\u6536\u5165(T1032\u8868\u683c)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ece65\u5c81\u8d77,RRIF\u7684\u63d0\u53d6\u7b26\u5408<strong>\u517b\u8001\u91d1\u6536\u5165\u5206\u644a<\/strong>\u7684\u6761\u4ef6\u3002\u4f60\u53ef\u4ee5\u5728\u62a5\u7a0e\u8868\u4e0a\u5c06\u9ad8\u8fbe<strong>\u8fd9\u4e9b\u6536\u516550%<\/strong>\u7684\u90e8\u5206\u8f6c\u79fb\u7ed9\u914d\u5076(\u901a\u8fc7T1032\u8868\u683c),\u65e0\u9700\u5b9e\u9645\u8f6c\u79fb\u8d44\u91d1\u3002\u5982\u679c\u4f60\u7684\u914d\u5076\u5904\u4e8e\u8f83\u4f4e\u7684\u7a0e\u7ea7,\u80fd\u8282\u7701\u7684\u7a0e\u6b3e\u53ef\u80fd\u76f8\u5f53\u53ef\u89c2\u2014\u2014\u6839\u636e\u6536\u5165\u5dee\u8ddd\u7684\u5927\u5c0f,\u6bcf\u5e74\u53ef\u7701\u4e0b$3,000\u5230$8,000\u4ee5\u4e0a\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. \u4ee5\u5e74\u7eaa\u8f83\u5c0f\u4e00\u65b9\u914d\u5076\u7684\u5e74\u9f84\u4e3a\u57fa\u51c6\u8ba1\u7b97RRIF<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u5c06RRSP\u8f6c\u6362\u4e3aRRIF\u65f6,\u4f60\u53ef\u4ee5\u9009\u62e9\u4ee5<strong>\u5e74\u7eaa\u8f83\u5c0f\u4e00\u65b9\u914d\u5076\u7684\u5e74\u9f84<\/strong>\u6765\u8ba1\u7b97\u4f60\u7684\u6700\u4f4e\u63d0\u53d6\u989d\u3002\u7531\u4e8e\u5e74\u9f84\u8d8a\u5c0f\u5bf9\u5e94\u7684\u6bd4\u4f8b\u8d8a\u4f4e,\u4f60\u6bcf\u5e74\u7684\u6700\u4f4e\u63d0\u53d6\u989d\u4e5f\u4f1a\u66f4\u4f4e\u2014\u2014\u8fd9\u6837\u6bcf\u5e74\u7684\u5e94\u7a0e\u6536\u5165\u4e5f\u968f\u4e4b\u964d\u4f4e\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. \u5c06RRIF\u63d0\u53d6\u7684\u8d44\u91d1\u8f6c\u5165TFSA<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u4e0d\u9700\u8981\u7acb\u5373\u52a8\u7528RRIF\u7684\u63d0\u53d6\u6b3e\u6765\u7ef4\u6301\u751f\u6d3b,\u53ef\u4ee5\u628a\u5b83\u4eec\u8f6c\u5165\u4f60\u7684TFSA(\u5728\u4f60\u53ef\u7528\u989d\u5ea6\u8303\u56f4\u5185)\u3002RRIF\u7684\u63d0\u53d6\u662f\u5e94\u7a0e\u7684\u2014\u2014\u8fd9\u4e00\u70b9\u65e0\u6cd5\u907f\u514d\u2014\u2014\u4f46\u4e00\u65e6\u7f34\u5b8c\u7a0e,\u5269\u4e0b\u7684\u94b1\u653e\u8fdbTFSA\u540e\u5c31\u53ef\u4ee5\u6c38\u4e45\u514d\u7a0e\u589e\u957f\u3002\u8fd9\u662f<strong>\u6539\u53d8\u4f60\u50a8\u84c4\u7684\u7a0e\u52a1\u5c5e\u6027<\/strong>\u7684\u7edd\u4f73\u65b9\u5f0f\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. \u5c06OAS\u5ef6\u8fdf\u523070\u5c81\u9886\u53d6\u4ee5\u63d0\u9ad8\u91d1\u989d<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8001\u5e74\u4fdd\u969c\u91d1(OAS)\u53ef\u4ee5\u572865\u81f370\u5c81\u4e4b\u95f4\u7533\u8bf7\u9886\u53d6\u300265\u5c81\u4e4b\u540e\u6bcf\u5ef6\u8fdf\u4e00\u4e2a\u6708,\u91d1\u989d\u5c31\u4f1a\u589e\u52a0<strong>0.6%<\/strong>,\u5982\u679c\u4f60\u7b49\u523070\u5c81,\u589e\u5e45\u5c06\u8fbe\u5230<strong>36%<\/strong>\u3002\u5ef6\u8fdf\u9886\u53d6OAS,\u53ef\u4ee5\u8ba9\u4f60\u572865\u81f370\u5c81\u671f\u95f4\u7684\u5e94\u7a0e\u6536\u5165\u4fdd\u6301\u8f83\u4f4e\u2014\u2014\u8fd9\u6b63\u597d\u53ef\u4ee5\u5229\u7528\u673a\u4f1a\u7a97\u53e3,\u4ee5\u8f83\u4f4e\u7a0e\u7387\u63d0\u53d6RRSP\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">6. \u7559\u610fOAS\u7684\u8ffd\u56de\u95e8\u69db<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u7684\u51c0\u6536\u5165\u57282026\u5e74\u8d85\u8fc7\u7ea6<strong>$95,300<\/strong>,OAS\u5c31\u4f1a\u5f00\u59cb\u88ab\u90e8\u5206\u8ffd\u56de(\u8d85\u51fa\u95e8\u69db\u7684\u90e8\u5206\u6bcf1\u52a0\u5143\u8ffd\u56de15\u5206)\u3002\u8fbe\u5230$154,906\u65f6,OAS\u4f1a\u88ab\u5168\u989d\u8ffd\u56de\u3002\u89c4\u5212\u4e0d\u5f53\u7684RRIF\u63d0\u53d6\u53ef\u80fd\u4f1a\u5c06\u4f60\u7684\u6536\u5165\u63a8\u8fc7\u8fd9\u4e2a\u95e8\u69db,\u8ba9\u4f60\u635f\u5931\u4e00\u7b14\u4f60\u8f9b\u82e6\u4e00\u751f\u624d\u79ef\u7d2f\u8d77\u6765\u7684\u6bcf\u6708\u798f\u5229\u3002<strong>\u8bf7\u5c3d\u91cf\u89c4\u5212\u4f60\u7684\u63d0\u53d6\u989d,\u4f7f\u6536\u5165\u4fdd\u6301\u5728\u6b64\u95e8\u69db\u4ee5\u4e0b\u3002<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">7. \u5c06RRSP\/RRIF\u63d0\u53d6\u4e0e\u5206\u671f\u9884\u7f34\u7a0e\u6b3e\u76f8\u534f\u8c03<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u7684\u9000\u4f11\u6536\u5165(RRIF\u3001CPP\/QPP\u3001OAS\u3001\u6295\u8d44\u6536\u76ca)\u8d85\u8fc7\u95e8\u69db,\u4f60\u5f88\u53ef\u80fd\u9700\u8981\u6bcf\u5b63\u5ea6\u5411CRA\u7f34\u7eb3<strong>\u5206\u671f\u9884\u7f34\u7a0e\u6b3e<\/strong>\u3002\u8bf7\u5728\u73b0\u91d1\u6d41\u89c4\u5212\u4e2d\u63d0\u524d\u8003\u8651\u8fd9\u4e9b\u4e49\u52a1,\u4ee5\u907f\u514d\u56e0\u9884\u7f34\u4e0d\u8db3\u800c\u4ea7\u751f\u5229\u606f\u7f5a\u6b3e\u3002\u4f60\u7684\u62a5\u7a0e\u8f6f\u4ef6\u6216\u7a0e\u52a1\u987e\u95ee\u53ef\u4ee5\u5e2e\u4f60\u4f30\u7b97\u6240\u9700\u7684\u5206\u671f\u9884\u7f34\u91d1\u989d\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">8. \u63d0\u524d\u89c4\u5212\u9057\u4ea7:\u6307\u5b9a\u53d7\u76ca\u4eba\u6216\u5b89\u6392\u914d\u5076\u95f4\u8f6c\u79fb<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u7684RRSP\u6216RRIF\u53ef\u4ee5<strong>\u5168\u989d\u8f6c\u79fb\u7ed9\u5728\u4e16\u7684\u914d\u5076<\/strong>\u800c\u65e0\u9700\u7acb\u5373\u7f34\u7a0e\u2014\u2014\u8d26\u6237\u53ea\u662f\u7b80\u5355\u5730\u8f6c\u5165\u914d\u5076\u540d\u4e0b\u7684RRSP\/RRIF\u3002\u5982\u679c\u4f60\u6ca1\u6709\u914d\u5076,RRIF\u7684\u5168\u90e8\u4ef7\u503c\u5c06\u8ba1\u5165\u4f60\u53bb\u4e16\u90a3\u4e00\u5e74\u7684\u6536\u5165\u2014\u2014\u8fd9\u53ef\u80fd\u5f15\u53d1\u4e00\u7b14\u5de8\u989d\u7a0e\u5355\u3002\u8bf7\u76f4\u63a5\u5728\u4f60\u7684RRIF\u8d26\u6237\u4e0a\u6307\u5b9a\u53d7\u76ca\u4eba(\u800c\u4e0d\u4ec5\u4ec5\u662f\u5728\u9057\u5631\u4e2d\u6ce8\u660e),\u4ee5\u907f\u514d\u8d44\u91d1\u9700\u8981\u7ecf\u8fc7\u9057\u4ea7\u7a0b\u5e8f\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u914d\u5076RRSP:\u5728\u63d0\u53d6\u9636\u6bb5\u4f9d\u7136\u6709\u7528<\/h2>\n\n\n\n<p 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class=\"wp-block-heading\">RRSP\/RRIF\u63d0\u53d6\u5bf9\u653f\u5e9c\u798f\u5229\u7684\u5f71\u54cd<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u63d0\u53d6\u9636\u6bb5\u89c4\u5212\u4e2d\u6700\u5e38\u88ab\u5ffd\u89c6\u7684\u4e00\u70b9\u3002\u4f60\u7684RRSP\/RRIF\u63d0\u53d6\u4f1a\u589e\u52a0\u4f60\u7684<strong>\u5e94\u7a0e\u51c0\u6536\u5165<\/strong>\u2014\u2014\u800c\u8bb8\u591a\u6309\u6b64\u6536\u5165\u8ba1\u7b97\u7684\u798f\u5229\u4e5f\u4f1a\u56e0\u6b64\u53d7\u5230\u5f71\u54cd:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>OAS\u8ffd\u56de:<\/strong> \u51c0\u6536\u5165\u8d85\u8fc7\u7ea6$95,300\u7684\u90e8\u5206,\u4ee515%\u7684\u6bd4\u4f8b\u8ffd\u56de<\/li>\n\n\n\n<li><strong>\u4fdd\u8bc1\u6536\u5165\u8865\u5145(GIS):<\/strong> RRIF\u6536\u5165\u6bcf\u589e\u52a01\u52a0\u5143,GIS\u5c31\u51cf\u5c1150\u5206(\u9762\u5411\u4f4e\u6536\u5165\u957f\u8005\u2014\u2014\u6bcf1\u52a0\u5143\u7684RRIF\u6536\u5165\u90fd\u4f1a\u524a\u51cf50\u5206\u7684GIS)<\/li>\n\n\n\n<li><strong>\u5e74\u9f84\u91d1\u989d\u62b5\u514d(\u7b2c30100\u884c):<\/strong> \u51c0\u6536\u5165\u5927\u81f4\u5728$46,295\u81f3$107,000\u4e4b\u95f4\u65f6\u9010\u6b65\u9012\u51cf\u2014\u2014\u8fc7\u9ad8\u7684RRIF\u63d0\u53d6\u53ef\u80fd\u5bfc\u81f4\u4f60\u635f\u5931\u7ea6$1,290\u7684\u8fd9\u9879\u62b5\u514d<\/li>\n\n\n\n<li><strong>GST\/HST(\u5546\u54c1\u53ca\u670d\u52a1\u7a0e\/\u7edf\u4e00\u9500\u552e\u7a0e)\u62b5\u514d:<\/strong> \u6536\u5165\u8d85\u8fc7\u4e00\u5b9a\u95e8\u69db\u540e\u4f1a\u51cf\u5c11\u2014\u2014\u5bf9\u4e2d\u7b49\u6536\u5165\u7684\u9000\u4f11\u4eba\u58eb\u800c\u8a00,\u5f71\u54cd\u4e0d\u5927\u4f46\u786e\u5b9e\u5b58\u5728<\/li>\n\n\n\n<li><strong>\u9b41\u5317\u514b\u836f\u7269\u4fdd\u9669(RAMQ)\u4fdd\u8d39:<\/strong> 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$12,000\u3002\u4f60\u7684\u7efc\u5408\u8fb9\u9645\u7a0e\u7387(\u8054\u90a6+\u9b41\u5317\u514b\u7701)\u5927\u7ea6\u5728<strong>37%<\/strong>\u5de6\u53f3\u3002\u5728\u6263\u9664\u57fa\u672c\u4e2a\u4eba\u62b5\u514d\u3001\u5e74\u9f84\u91d1\u989d\u62b5\u514d\u548c\u517b\u8001\u91d1\u6536\u5165\u62b5\u514d\u4e4b\u540e,\u4f60\u7684\u5b9e\u9645\u5e73\u5747\u7a0e\u7387\u7ea6\u4e3a<strong>18%\u81f322%<\/strong>\u3002\u6ca1\u6709OAS\u8ffd\u56de,\u4e5f\u6ca1\u6709GIS\u98ce\u9669\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4f8b\u5b502\u2014\u2014\u5b89\u5927\u7565\u7701\u9000\u4f11\u4eba\u58eb,75\u5c81,\u603b\u6536\u5165$110,000<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6536\u5165\u6765\u6e90:RRIF $60,000 + CPP $14,000 + OAS $8,900 + \u5176\u4ed6 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class=\"wp-block-paragraph\">\u662f\u7684,\u8fd9\u662f\u4e00\u9879\u6cd5\u5f8b\u4e49\u52a1\u3002\u4f60\u5fc5\u987b\u5728\u4f60\u6ee171\u5c81\u90a3\u4e00\u5e74\u768412\u670831\u65e5\u4e4b\u524d\u5b8c\u6210\u8f6c\u6362(\u6216\u53d6\u6d88)RRSP\u3002\u5982\u679c\u4f60\u4e0d\u91c7\u53d6\u884c\u52a8,\u4f60\u7684\u91d1\u878d\u673a\u6784\u4f1a\u81ea\u52a8\u5c06\u4f60\u7684RRSP\u8f6c\u6362\u4e3aRRIF\u3002\u6700\u597d\u7531\u4f60\u81ea\u5df1\u4e3b\u52a8\u89c4\u5212\u8fd9\u6b21\u8f6c\u6362,\u4ee5\u4fbf\u4e3a\u4f60\u7684RRIF\u9009\u62e9\u6700\u5408\u9002\u7684\u6295\u8d44\u4ea7\u54c1\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5982\u679c\u6211\u5df2\u7ecf72\u5c81,\u8fd8\u80fd\u5411\u914d\u5076\u7684RRSP\u4f9b\u6b3e\u5417?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ef\u4ee5\u2014\u2014\u5373\u4f7f\u4f60\u672c\u4eba\u5df2\u8d85\u8fc771\u5c81\u3001\u4e0d\u518d\u6709\u8d44\u683c\u5411<em>\u81ea\u5df1\u7684<\/em>RRSP\u4f9b\u6b3e,\u53ea\u8981\u4f60\u7684\u914d\u5076\u5c1a\u672a\u6ee171\u5c81,\u5e76\u4e14\u4f60\u8fd8\u6709\u53ef\u7528\u7684RRSP\u4f9b\u6b3e\u989d\u5ea6(\u5982\u679c\u4f60\u4ecd\u6709\u52b3\u52a8\u6240\u5f97,\u8fd9\u4e2a\u989d\u5ea6\u53ef\u4ee5\u7ee7\u7eed\u7d2f\u79ef),\u4f60\u4f9d\u7136\u53ef\u4ee5\u5411<strong>\u914d\u5076\u7684RRSP<\/strong>\u4f9b\u6b3e\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5982\u679c\u6211\u6ca1\u6709\u63d0\u53d6RRIF\u7684\u6700\u4f4e\u91d1\u989d\u4f1a\u600e\u6837?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4f60\u5728\u67d0\u4e00\u5e74\u6ca1\u6709\u63d0\u53d6RRIF\u6240\u8981\u6c42\u7684\u81f3\u5c11\u6700\u4f4e\u91d1\u989d,CRA\u4f1a\u5bf9\u672a\u63d0\u53d6\u90e8\u5206\u8d85\u51fa\u6700\u4f4e\u989d\u7684\u5dee\u989d,\u6309<strong>\u6bcf\u67081%<\/strong>\u5f81\u6536\u7f5a\u6b3e,\u6b64\u5916\u8fd8\u9700\u7167\u5e38\u7f34\u7eb3\u63d0\u53d6\u6240\u4ea7\u751f\u7684\u7a0e\u6b3e\u3002\u5927\u591a\u6570\u91d1\u878d\u673a\u6784\u90fd\u4f1a\u63d0\u9192\u4f60\u5c65\u884c\u8fd9\u9879\u4e49\u52a1\u2014\u2014\u4f46\u4ecd\u9700\u81ea\u5df1\u4fdd\u6301\u8b66\u60d5,\u5c24\u5176\u662f\u5728\u5e74\u672b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u9000\u4f11\u540e,\u63d0\u53d6RRSP\u8fd8\u662fTFSA\u66f4\u597d?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u53d6\u51b3\u4e8e\u4f60\u7684\u5177\u4f53\u60c5\u51b5,\u4f46\u4e00\u822c\u539f\u5219\u662f:\u5728<em>\u6536\u5165\u6700\u4f4e<\/em>\u7684\u5e74\u4efd,\u4f18\u5148\u63d0\u53d6<em>\u7a0e\u8d1f\u6700\u91cd<\/em>\u7684\u8d44\u4ea7\u3002\u5982\u679c\u4f60\u67d0\u4e00\u5e74\u6536\u5165\u8f83\u4f4e(\u5904\u4e8e\u4e24\u4e2a\u6536\u5165\u6765\u6e90\u4e4b\u95f4\u7684\u7a7a\u6863),\u8fd9\u6b63\u662f\u63d0\u53d6RRSP\/RRIF\u7684\u597d\u65f6\u673a\u3002\u800cTFSA\u5219\u53ef\u4ee5\u4fdd\u7559\u5f97\u66f4\u4e45\u2014\u2014\u5b83\u7684\u63d0\u53d6\u6c38\u8fdc\u4e0d\u9700\u8981\u7f34\u7a0e,\u4e5f\u4e0d\u4f1a\u51cf\u5c11\u4efb\u4f55\u798f\u5229\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u6211\u7684RRIF\u80fd\u5426\u514d\u53d7\u503a\u6743\u4eba\u8ffd\u507f?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u62a4\u7a0b\u5ea6\u56e0\u7701\u4efd\u548c\u8d44\u91d1\u6027\u8d28\u800c\u5f02\u3002\u5728\u9b41\u5317\u514b\u7701,RRSP\u548cRRIF\u901a\u5e38\u53d7\u5230\u503a\u6743\u4eba\u8ffd\u507f\u7684\u4fdd\u62a4\u3002\u5728\u5176\u4ed6\u7701\u4efd,\u4fdd\u62a4\u7a0b\u5ea6\u53d6\u51b3\u4e8e\u8ba1\u5212\u7c7b\u578b\u4ee5\u53ca\u662f\u5426\u6307\u5b9a\u4e86\u53d7\u76ca\u4eba\u3002\u5982\u679c\u4f60\u5df2\u6307\u5b9a\u53d7\u76ca\u4eba(\u914d\u5076\u3001\u5b50\u5973),\u8fd9\u7b14\u8d44\u91d1\u901a\u5e38\u53ef\u4ee5\u514d\u53d7\u9057\u4ea7\u503a\u6743\u4eba\u7684\u8ffd\u507f\u3002\u5177\u4f53\u60c5\u51b5\u8bf7\u54a8\u8be2\u6cd5\u5f8b\u987e\u95ee\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u603b\u7ed3:2026\u5e74\u9000\u4f11RRSP\u7684\u5173\u952e\u8981\u70b9<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>RRSP\u662f\u4e00\u79cd\u5ef6\u7a0e\u5de5\u5177:<\/strong> 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