{"id":137,"date":"2017-11-30T23:23:22","date_gmt":"2017-12-01T07:23:22","guid":{"rendered":"http:\/\/accountantwei.com\/cn\/?p=137"},"modified":"2017-12-01T08:39:12","modified_gmt":"2017-12-01T16:39:12","slug":"2017%e5%b9%b4%e5%ba%95%e4%b8%b4%e8%bf%91%ef%bc%8c%e5%a6%82%e4%bd%95%e5%87%86%e5%a4%87%e6%8a%a5%e4%b8%aa%e4%ba%ba%e6%89%80%e5%be%97%e7%a8%8e","status":"publish","type":"post","link":"http:\/\/accountantwei.com\/cn\/2017%e5%b9%b4%e5%ba%95%e4%b8%b4%e8%bf%91%ef%bc%8c%e5%a6%82%e4%bd%95%e5%87%86%e5%a4%87%e6%8a%a5%e4%b8%aa%e4%ba%ba%e6%89%80%e5%be%97%e7%a8%8e\/","title":{"rendered":"2017\u5e74\u5e95\u4e34\u8fd1\uff0c\u5982\u4f55\u51c6\u5907\u62a5\u4e2a\u4eba\u6240\u5f97\u7a0e"},"content":{"rendered":"<p><span style=\"color: #000000;\">\u4f5c\u8005\uff1aStella Wei \u52a0\u62ff\u5927\u6ce8\u518c\u4f1a\u8ba1\u5e08<\/span><\/p>\n<p><span style=\"color: #000000;\">2017\u5e7411\u670830\u65e5<\/span><\/p>\n<p><span style=\"color: #000000;\">\u00a0\u5982\u9700\u8f6c\u8f7d\uff0c\u8bf7\u5148\u5411\u4f5c\u8005\u7533\u8bf7\u540c\u610f\uff0c\u8c22\u8c22\uff01<\/span><\/p>\n<p><span style=\"color: #000000;\">\u611f\u89c9\u6628\u5929\u624d\u8fce\u6765\u4e862017\u5e74\u5143\u65e6\uff0c\u600e\u4e48\u4eca\u5929\u79bb2017\u5e74\u5723\u8bde\u8282\u53ea\u670925\u5929\u4e86\uff0c\u5149\u9634\u4f3c\u7bad\u5440\u3002\u660e\u5e74\u521d\uff0c\u52a0\u62ff\u5927\u7a0e\u52a1\u5c45\u6c11\u5c31\u8981\u5f00\u59cb\u7eb7\u7eb7\u51c6\u5907\u62a52017\u5e74\u7684\u7a0e\u4e86\u3002\u6bcf\u4e2a\u4eba\u90fd\u60f3\u505a\u5230\u7a0e\u52a1\u6700\u5c0f\u5316\u3001\u6536\u5165\u6700\u5927\u5316\uff0c\u5982\u4f55\u505a\u5230\u5462\uff0c\u63d0\u524d\u51c6\u5907\u5fc5\u4e0d\u53ef\u5c11\u3002\u6211\u4eec\u6765\u8c08\u8c08\u8c08\u5982\u4f55\u63d0\u524d\u505a\u597d\u62a5\u7a0e\u524d\u7684\u51c6\u5907\u3002\u5f53\u7136\uff0c\u5982\u4f60\u7684\u8d44\u4ea7\u548c\u6536\u5165\u8f83\u590d\u6742\uff0c\u6211\u4eec\u5efa\u8bae\u4f60\u63d0\u524d\u9884\u7ea6\u4f60\u7684\u4f1a\u8ba1\u5e08\u505a\u7a0e\u52a1\u89c4\u5212\uff0c\u8d8a\u65e9\u505a\u89c4\u5212\uff0c\u4f60\u7684\u53d7\u76ca\u4f1a\u8d8a\u591a\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><strong><span style=\"color: #800000;\"><u>\u7a0e\u52a1\u4e8f\u635f\u53d8\u5356<\/u><\/span><\/strong><\/p>\n<p><span style=\"color: #000000;\">\u201c\u7a0e\u52a1\u4e8f\u635f\u53d8\u5356\u201d\u6307\u7684\u662f\u5c06\u6709\u4e8f\u635f\u7684\u6295\u8d44\u5728\u5e74\u5185\u5356\u6389\u4ee5\u5b9e\u73b0\u8d44\u672c\u4e8f\u635f\uff0c\u7528\u6765\u62b5\u6d88\u4f60\u5728\u5176\u4ed6\u6295\u8d44\u4e2d\u5b9e\u73b0\u7684\u8d44\u672c\u589e\u503c\u800c\u5b9e\u73b0\u5f53\u5e74\u5c11\u4ea4\u7a0e\u7684\u76ee\u7684\u3002\u4efb\u4f55\u5728\u5f53\u5e74\u6ca1\u6709\u7528\u5230\u7684\u8d44\u672c\u4e8f\u635f\u8fd8\u53ef\u4ee5\u7528\u6765\u62b5\u6d88\u8fc7\u53bb3\u5e74\u5185\u6216\u8005\u672a\u6765\u4efb\u4f55\u4e00\u5e74\u7684\u8d44\u672c\u589e\u503c\u3002\u5982\u679c\u60f3\u5728\u672c\u5e74\u5c31\u4f7f\u7528\u4e8f\u635f\u6216\u662f\u5728\u8fc7\u53bb\u76843\u5e74\u4f7f\u7528\u8be5\u4e8f\u635f\u7684\u8bdd\uff0c\u4f60\u7684\u4e70\u5356\u4ea4\u6613\u5b8c\u6210\u7684\u65e5\u671f\u5e94\u8be5\u57282017\u5e74\u7684\u5e74\u5185\u3002\u5982\u5e0c\u671b\u8ffd\u6eaf\u5230\u8fc7\u5f80\u4e09\u5e74\u5185\uff082014\u30012015\u548c2016\u5e74\uff09\u4f7f\u75282017\u5e74\u7684\u8d44\u672c\u4e8f\u635f\uff0c\u6240\u9700\u586b\u5199\u7684\u7a0e\u8868\u4e3aT1A\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #000000;\"><strong>\u8868\u9762\u635f\u5931\uff08<\/strong><strong>Superficial Loss<\/strong><strong>\uff09<\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\"><strong>\u00a0<\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\">\u5982\u679c\u4f60\u6253\u7b97\u91cd\u65b0\u4e70\u56de\u5df2\u53d8\u5356\u7684\u4e8f\u635f\u6295\u8d44\uff0c\u4e00\u5b9a\u8981\u6ce8\u610f\u4e0d\u8981\u88ab\u7a0e\u52a1\u5c40\u8ba4\u5b9a\u662f\u201c\u8868\u9762\u4e8f\u635f\u201d:\u00a0\u5982\u679c\u4f60\u6216\u662f\u4f60\u7684\u5173\u8054\u4eba\uff0c\u6bd4\u5982\u4f60\u7684\u914d\u5076\uff0c\u4f60\u548c\u4f60\u7684\u914d\u5076\u7684\u516c\u53f8\u6216\u662f\u4fe1\u6258\uff0c\u5728\u51fa\u552e\u540c\u4e00\u4e2a\u6295\u8d44\u7684\u524d30\u5929\u6216\u540e30\u5929\u91cc\u5c06\u5b83\u8d2d\u56de\uff0c\u90a3\u4e48\u201c\u8868\u9762\u4e8f\u635f\u201d\u5c31\u4f1a\u88ab\u8ba4\u5b9a\u6210\u7acb\u3002\u5982\u679c\u201c\u8868\u9762\u4e8f\u635f\u201c\u6761\u6b3e\u88ab\u6267\u884c\uff0c\u4f60\u5b9e\u73b0\u7684\u635f\u5931\u5c06\u4e0d\u80fd\u7528\u4e8e\u62b5\u7a0e\uff0c\u76f4\u5230\u4f60\u771f\u6b63\u5c06\u8fd9\u4e2a\u8d44\u4ea7\u5356\u6389\u4e3a\u6b62\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #000000;\"><strong>\u8f6c\u79fb\u548c\u4e92\u6362\uff08<\/strong><strong>Transfers and swaps<\/strong><strong>\uff09<\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\">\u6709\u7684\u4eba\u60f3\u5c06\u81ea\u5df1\u635f\u5931\u7684\u6295\u8d44\u8f6c\u79fb\u5230\u81ea\u5df1\u7684RRSP\u6216TFSA\u8d26\u6237\u91cc\uff0c\u4ee5\u81f3\u4e8e\u5728\u4e0d\u53d8\u5356\u8fd9\u4e9b\u6295\u8d44\u7684\u540c\u65f6\u5b9e\u73b0\u8d44\u672c\u635f\u5931\uff0c\u8fd9\u79cd\u65b9\u6cd5\u662f\u88ab\u4e25\u683c\u7981\u6b62\u7684\u3002\u8fd8\u6709\u5c31\u662f\uff0c\u67d0\u4eba\u82e5\u60f3\u5c06\u672a\u6ce8\u518c\u8d26\u6237\u7684\u6295\u8d44\u4e92\u6362\u5230\u6ce8\u518c\u8d26\u6237\u91cc\u4ee5\u8c0b\u53d6\u73b0\u91d1\u6216\u5176\u4ed6\u4ef7\u503c\u65f6\uff0c\u4e5f\u4f1a\u53d7\u5230\u4e25\u5389\u7684\u5904\u7f5a\u3002\u82e5\u60f3\u907f\u514d\u7c7b\u4f3c\u60c5\u51b5\u7684\u53d1\u751f\uff0c\u4f60\u53ef\u4ee5\u5c06\u4e8f\u635f\u7684\u6295\u8d44\u53d8\u5356\uff0c\u518d\u5c06\u5f97\u5230\u7684\u73b0\u91d1\u653e\u5165\u4f60\u7684RRSP\u6216TFSA\u4e2d\u3002\u5982\u679c\u4f60\u613f\u610f\u7684\u8bdd\uff0c\u4f60\u4ecd\u53ef\u4ee5\u572830\u5929\u754c\u9650\u540e\u7528\u4f60\u7684RRSP\u6216TFSA\u4e70\u56de\u4e4b\u524d\u53d8\u5356\u7684\u6295\u8d44\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #800000;\"><strong><u>2017<\/u><\/strong><strong><u>\u5e74<\/u><\/strong><strong><u>\u00a012<\/u><\/strong><strong><u>\u6708<\/u><\/strong><strong><u>31<\/u><\/strong><strong><u>\u65e5<\/u><\/strong><strong><u>\u4e3a\u6b62<\/u><\/strong><strong><u>\u4ed8\u6b3e\u7684\u9879\u76ee<\/u><\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\"><strong>\u6148\u5584\u6350\u6b3e\uff1a<\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\">\u4f60\u5982\u679c\u60f3\u7528\u6148\u5584\u6350\u6b3e\u7684\u9876\u7a0e\u91d1\u62b5\u51cf2017\u5e74\u7684\u7a0e\uff0c\u90a3\u4f60\u5fc5\u987b\u572812\u6708\u00a031\u65e5\u524d\u5b8c\u6210\u6350\u6b3e\u7684\u7a0b\u5e8f\u3002\u503c\u5f97\u6307\u51fa\u7684\u662f\uff0c\u73b0\u5728\u8bb8\u591a\u6148\u5584\u673a\u6784\u90fd\u63a5\u53d7\u7f51\u4e0a\u7684\u6350\u8d60\u5e76\u4e14\u53d1\u9001\u7535\u5b50\u7248\u7684\u6148\u5584\u6350\u6b3e\u6536\u636e\u3002<\/span><\/p>\n<p><span style=\"color: #000000;\">\u8054\u90a6\u548c\u7701\u653f\u5e9c\u90fd\u63d0\u4f9b\u6148\u5584\u6350\u6b3e\u9876\u7a0e\u91d1\uff0c\u52a0\u5728\u4e00\u8d77\u51cf\u7a0e\u989d\u53ef\u4ee5\u9ad8\u8fbe\u63a5\u8fd1\u4f60\u7684\u6350\u6b3e\u989d\u7684\u4e00\u534a\u3002\u5982\u679c\u4f60\u548c\u4f60\u7684\u914d\u5076\u5728\u4ee5\u524d\u7684\u5341\u5e74\u91cc\u4ece\u6765\u6ca1\u6709\u4f7f\u7528\u8fc7\u6148\u5584\u6350\u6b3e\u9876\u7a0e\u91d1\uff0c\u4f60\u5c31\u7b26\u5408\u7b2c\u4e00\u6b21\u6350\u8d60\u8005\u7684\u6761\u4ef6\uff0c\u4f60\u57281000\u52a0\u5e01\u4ee5\u4e0b\u7684\u6350\u6b3e\u90e8\u5206\u8fd8\u53ef\u80fd\u591a\u5f97\u523025%\u7684\u9876\u7a0e\u91d1\u3002<\/span><\/p>\n<p><span style=\"color: #000000;\"><strong>\u00a0\u00a0\u00a0\u00a0\u00a0<\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\"><strong>\u533b\u7597\u8d39\u7528<\/strong>\uff1a<\/span><\/p>\n<p><span style=\"color: #000000;\">\u4f60\u53ef\u4ee5\u4e3a2017\u5e74\u5ea6\u4ee5\u5185\u7ed3\u675f\u7684\u4efb\u4f55\u4e00\u4e2a12\u4e2a\u6708\u7684\u671f\u95f4\u7533\u8bf7\u533b\u7597\u8d39\u9876\u7a0e\u91d1\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #000000;\"><strong>\u5176\u4ed6\u8d39\u7528\uff1a<\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\">\u8fd8\u6709\u5176\u4ed6\u8d39\u7528\u5fc5\u987b\u8981\u57282017\u5e74\u5e74\u5e95\u524d\u652f\u4ed8\uff0c\u5982\u679c\u4f60\u5e0c\u671b\u57282017\u5e74\u7684\u7a0e\u5355\u4e0a\u62b5\u7a0e\u3002\u6bd4\u5982\u8bf4\uff0c\u4f60\u7684RRSP\u7684\u4f9b\u6b3e(2018\u5e742\u670828\u65e5\u524d\u4f9b\u6b3e\u4fbf\u53ef\uff09\uff0c\u8d37\u6b3e\u6295\u8d44\u7684\u5229\u606f\u652f\u51fa\uff0c\u4f60\u4e3a\u6295\u8d44\u6240\u652f\u4ed8\u7684\u54a8\u8be2\u8d39\uff0c\u5c0f\u5b69\u770b\u62a4\u8d39\u7528\uff0c\u5b66\u751f\u8d37\u6b3e\u7684\u5229\u606f\uff0c\u7ed9\u914d\u5076\u652f\u4ed8\u7684\u751f\u6d3b\u8d39\u7b49\u7b49\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #800000;\"><strong><u>\u7528\u8d37\u6b3e\u5b9e\u73b0\u6536\u5165\u5206\u644a\uff08<\/u><\/strong><strong><u>Use a prescribed rate loan for income-splitting<\/u><\/strong><strong><u>\uff09<\/u><\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\">\u5982\u679c\u4f60\u662f\u4f60\u4eec\u5bb6\u7a0e\u7387\u6700\u9ad8\u7684\u6210\u5458\uff0c\u4f60\u53ef\u4ee5\u8003\u8651\u5c06\u4f60\u7684\u4e00\u90e8\u5206\u7a0e\u540e\u6536\u5165\u653e\u5230\u4f60\u4eec\u5bb6\u7a0e\u7387\u4f4e\u7684\u6210\u5458\u90a3\u91cc\u53bb\u6295\u8d44\uff0c\u4ee5\u964d\u4f4e\u6574\u4f53\u5bb6\u5ead\u7a0e\u52a1\u8d1f\u62c5\u3002\u7136\u800c\uff0c\u7531\u4e8e\u201c\u5f52\u5c5e\u539f\u5219\u201d\u7684\u4f5c\u7528\uff0c\u5982\u679c\u4f60\u53ea\u662f\u5355\u7eaf\u7684\u628a\u94b1\u76f4\u63a5\u7ed9\u4ed6\u4eec\u505a\u6295\u8d44\uff0c\u6295\u8d44\u6323\u5f97\u7684\u94b1\u8fd8\u662f\u6709\u53ef\u80fd\u8981\u56de\u5230\u4f60\u540d\u4e0b\u7f34\u7a0e\u3002\u4e3a\u4e86\u907f\u514d\u8fd9\u79cd\u60c5\u51b5\u7684\u51fa\u73b0\uff0c\u4f60\u53ef\u4ee5\u7528\u7a0e\u52a1\u5c40\u7684\u89c4\u5b9a\u8d37\u6b3e\u5229\u7387<a style=\"color: #000000;\" href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/prescribed-interest-rates.html\">\uff082017\u5e74\u4e3a1%\uff09<\/a>\u5c06\u8d44\u91d1\u501f\u8d37\u7ed9\u4f60\u7684\u5bb6\u4eba\u3002\u5982\u679c\u4f60\u57282017\u5e74\u5e95\u524d\u75281%\u7684\u5229\u7387\u501f\u6b3e\u7ed9\u4f60\u7684\u5bb6\u4eba\uff0c\u5373\u4f7f\u5728\u4eca\u540e\u5e74\u4efd\u91cc\u7684\u89c4\u5b9a\u5229\u7387\u5347\u9ad8\u4e86\uff0c\u501f\u6b3e\u671f\u95f4\u7684\u5229\u7387\u4e5f\u5c06\u4f1a\u88ab\u4e00\u76f4\u9501\u5b9a\u4e3a1%\u3002\u8981\u6ce8\u610f\u7684\u662f\uff0c\u5728\u4eca\u540e\u6bcf\u5e74\u76841\u670830\u65e5\u4e4b\u524d\uff0c\u501f\u6b3e\u4eba\u90fd\u9700\u8981\u5411\u4f60\u4ea4\u7eb3\u524d\u4e00\u5e74\u7684\u5229\u606f\uff0c\u800c\u4e14\u4f60\u8981\u628a\u8fd9\u7b14\u5229\u606f\u6536\u5165\u653e\u5230\u4f60\u5f53\u5e74\u7684\u7a0e\u8868\u91cc\u9762\u7533\u62a5\uff0c\u8fd9\u6837\u5c31\u53ef\u4ee5\u89c4\u907f\u201c\u5f52\u5c5e\u539f\u5219\u201d \u3002<\/span><\/p>\n<p><span style=\"color: #000000;\">\u5f53\u5bb6\u5ead\u6210\u5458\u7528\u501f\u6b3e\u65b9\u5f0f\u6295\u8d44\u7684\u65f6\u5019\uff0c\u6295\u8d44\u7684\u9009\u62e9\u4e5f\u4f1a\u5f71\u54cd\u5230\u8981\u4ed8\u7684\u7a0e\u6b3e\u7684\u591a\u5c11\u3002\u5f88\u503c\u5f97\u8003\u8651\u7684\u6295\u8d44\u54c1\u79cd\u662f\u52a0\u62ff\u5927\u9ad8\u5206\u7ea2\u578b\u7684\u80a1\u7968\u548c\u57fa\u91d1:\u00a0\u56e0\u4e3a\u52a0\u62ff\u5927\u7684\u516c\u53f8\u5df2\u7ecf\u7ed9\u653f\u5e9c\u4ea4\u7eb3\u4e86\u4e00\u6b21\u516c\u53f8\u7a0e\uff0c\u4e3a\u4e86\u907f\u514d\u53cc\u91cd\u5f81\u7a0e\uff0c\u52a0\u62ff\u5927\u516c\u53f8\u7684\u5206\u7ea2\u6536\u5165\u7684\u7a0e\u7387\u5c31\u5f88\u4f18\u60e0\uff0c\u6bd4\u4e00\u822c\u6536\u5165\u7684\u7a0e\u7387\u8981\u4f4e\u4e0d\u5c11\u3002\u5177\u4f53\u6765\u8bf4\uff0c\u5982\u679c\u4f60\u7684\u5c45\u4f4f\u5728\u5351\u7701\u5bb6\u5ead\u6210\u5458\u6ca1\u6709\u4efb\u4f55\u5176\u5b83\u6536\u5165\uff0c2017\u5e74\uff0c\u5982\u679c\u5979\u6536\u5230$51,635\u52a0\u62ff\u5927\u7684\u5927\u516c\u53f8\u5206\u6d3e\u7684\u80a1\u606f\u6536\u5165(Eligible Dividend)\uff0c\u90a3\u4e48\u5728\u5979\u4e2a\u4eba\u540d\u4e0b\uff0c\u4e00\u5206\u94b1\u7684\u7a0e\u90fd\u4e0d\u7528\u4e0a\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #800000;\"><strong><u>\u9000\u4f11\u8003\u8651\u7684\u8ba1\u5212\uff08<\/u><\/strong><strong><u>Retirement Considerations<\/u><\/strong><strong><u>\uff09<\/u><\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\">\u5982\u679c\u4f60\u57282017\u5e74\u5e74\u5e95\u524d\u6ee171\u5c81\uff0c\u4f60\u5fc5\u987b\u572812\u670831\u65e5\u524d\u5173\u6389\u4f60\u7684RRSP\u8d26\u6237\u3002\u4f60\u53ef\u4ee5\u5c06RRSP\u5168\u90e8\u53d6\u51fa\u00a0(\u5f53\u7136\uff0c\u4f60\u5c31\u9700\u8981\u5c06\u8fd9\u7b14\u94b1\u7b97\u4f5c\u4f602017\u5e74\u7684\u6536\u5165\u800c\u4e3a\u4e4b\u4e0a\u7a0e)\uff0c\u4f60\u53ef\u4ee5\u5c06RRSP\u8f6c\u6362\u6210RRIF\uff0c\u4f60\u4e5f\u53ef\u4ee5\u7528RRSP\u91cc\u7684\u94b1\u8d2d\u4e70\u5e74\u91d1\u3002<\/span><\/p>\n<p><span style=\"color: #000000;\">\u5982\u679c\u4f60\u5728\u524d\u4e9b\u5e74\u6ca1\u6709\u7528\u5c3d\u4f60\u7684RRSP\u989d\u5ea6\uff0c\u4f60\u53ef\u4ee5\u5728\u4f60\u5173\u95edRRSP\u8d26\u6237\u4ee5\u524d\u5c06\u8fc7\u53bb\u5269\u4e0b\u7684\u989d\u5ea6\u90fd\u4e00\u6b21\u6027\u5730\u4f9b\u6b3e\u8fdb\u53bb\uff0c\u7136\u540e\u53ef\u4ee5\u5728\u4eca\u540e\u7684\u5e74\u4efd\u91cc\u6162\u6162\u7684\u4f7f\u7528\u8fd9\u4e9b\u989d\u5ea6\u62b5\u7a0e\u3002\u5982\u679c\u4f60\u6ca1\u6709\u4ece\u4ee5\u524d\u5e74\u4efd\u5269\u4e0b\u7684RRSP\u7a7a\u95f4\uff0c\u800c\u4f60\u5728\u6ee171\u5c81\u7684\u8fd9\u4e00\u5e74\u53c8\u6709\u6bd4\u8f83\u9ad8\u7684\u6536\u5165\u9700\u8981\u7528RRSP\u51cf\u7a0e\uff0c\u90a3\u4f60\u53ef\u4ee5\u5728\u4f60\u5173\u6389RRSP\u8d26\u6237\u4ee5\u524d\u63d0\u524d\u5c062018\u5e74\u7684\u989d\u5ea6\u4f9b\u8fdb\u53bb\u3002\u8fd9\u6837\uff0c\u4f60\u5c06\u4f1a\u9762\u4e34\u6bcf\u4e2a\u67081%\u7684\u7f5a\u6b3e\uff0c\u4e0d\u8fc7\u8fd9\u4e2a\u7f5a\u6b3e\u57282018\u5e741\u67081\u65e5\u4f60\u76842018\u5e74RRSP\u989d\u5ea6\u751f\u6548\u540e\u5c31\u6ca1\u6709\u4e86\u3002<\/span><\/p>\n<p><span style=\"color: #000000;\">\u5982\u679c\u4f60\u5df2\u7ecf\u5e74\u6ee171\u5c81\u5e76\u4e14\u6709\u6536\u5165\u548c\u672a\u4f7f\u7528\u7684RRSP\u7a7a\u95f4\uff0c\u800c\u4f60\u7684\u914d\u5076\u8fd8\u6ca1\u6709\u6ee171\u5c81\uff0c\u4f60\u53ef\u4ee5\u5728\u5979\/\u4ed6\u6ee171\u5c81\u4ee5\u524d\u4f9b\u6b3e\u5230\u914d\u5076RRSP\u91cc\u9762\uff0c\u8fd9\u6837\u4f60\u5728\u4eca\u540e\u7684\u5e74\u4efd\u90fd\u53ef\u4ee5\u4f7f\u7528\u8fd9\u4e2aRRSP\u7684\u989d\u5ea6\u62b5\u51cf\u4f60\u7684\u4e2a\u4eba\u6240\u5f97\u7a0e\u3002<\/span><\/p>\n<p><span style=\"color: #000000;\">\u5982\u679c\u4f602017\u5e74\u572860\u5c81\u523064\u5c81\u4e4b\u95f4\u800c\u4e14\u8003\u8651\u5f00\u59cb\u4eceCPP\u4e2d\u63d0\u53d6\u9000\u4f11\u91d1\uff0c\u4f60\u6700\u597d\u57282017\u5e7412\u670831\u65e5\u4e4b\u524d\u7533\u8bf7\u3002\u5982\u679c\u4f60\u57282017\u5e74\u5f00\u59cb\u63d0\u524d\u9886\u53d6CPP\uff0c\u4e0e65\u5c81\u65f6\u5f00\u59cb\u9886\u53d6\u76f8\u6bd4\uff0c\u6bcf\u63d0\u524d\u4e00\u4e2a\u6708\uff0c\u4f60\u7684\u9000\u4f11\u91d1\u5c06\u6309\u6bd4\u4f8b\u76f8\u5e94\u51cf\u5c11\u4e00\u70b9\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #800000;\"><strong><u>\u514d\u7a0e\u50a8\u84c4\u8d26\u6237\uff08<\/u><\/strong><strong><u>Tax Free Saving Account<\/u><\/strong><strong><u>\uff09<\/u><\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\">\u00a0\u00a0\u5982\u679c\u4f60\u5728\u8003\u8651\u4eceTFSA\u4e2d\u53d6\u94b1\uff0c\u53d6\u94b1\u7684\u65f6\u95f4\u5f88\u91cd\u8981\u3002\u6211\u4eec\u90fd\u77e5\u9053\uff0c\u4eceTFSA\u53d6\u7684\u94b1\u90fd\u662f\u514d\u7a0e\u7684\uff0c\u4f46\u662f\u8bf7\u6ce8\u610f\uff1a\u4f60\u5f53\u5e74\u4ece\u8fd9\u4e2a\u8d26\u6237\u4e2d\u63d0\u53d6\u7684\u94b1\u5982\u679c\u5728\u540c\u4e00\u5e74\u53c8\u653e\u56de\u53bb\uff0c\u8fd9\u7b14\u94b1\u4f1a\u88ab\u5f53\u4f5c\u65b0\u7684\u4f9b\u6b3e\u5360\u6709\u4f60\u7684TFSA\u7684\u603b\u989d\u5ea6\u800c\u53ef\u80fd\u9020\u6210\u4f60\u8d85\u989d\u4f9b\u6b3e\uff0c\u800c\u8d85\u989d\u4f9b\u6b3e\u7684\u7f5a\u6b3e\u662f\u6bcf\u4e2a\u67081%\u3002\u6240\u4ee5\uff0c\u5982\u679c\u4f60\u8981\u4eceTFSA\u4e2d\u53d6\u94b1\uff0c\u6700\u597d\u57282017\u5e74\u768412\u670831\u65e5\u524d\u63d0\u53d6\uff0c\u8fd9\u6837\u8fc7\u4e862018\u5e74\u76841\u67081\u65e5\uff0c\u4f60\u4efb\u4f55\u65f6\u5019\u90fd\u53ef\u4ee5\u653e\u56de\u53bb\u800c\u6ca1\u6709\u7f5a\u6b3e\u3002<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"color: #800000;\"><strong><u>\u63d0\u524d\u8d2d\u4e70<\/u><\/strong><strong><u>\u7528\u4e8e<\/u><\/strong><strong><u>\u751f\u610f<\/u><\/strong><strong><u>\u56fa\u5b9a<\/u><\/strong><strong><u>\u8d44\u4ea7<\/u><\/strong><\/span><\/p>\n<p><span style=\"color: #000000;\">\u00a0\u00a0\u5982\u679c\u4f60\u662f\u81ea\u96c7\uff0c\u4f60\u5e94\u8be5\u8003\u8651\u5c06\u4f60\u6253\u7b97\u57282018\u5e74\u8d2d\u4e70\u7684\u7528\u4e8e\u751f\u610f\u7684\u5bb6\u5177\uff0c\u7535\u8111\uff0c\u673a\u5668\u7b49\u9700\u8981\u6298\u65e7\u7684\u56fa\u5b9a\u8d44\u4ea7\u63d0\u524d\u52302017\u5e74\u5e95\u8d2d\u4e70\u3002\u6839\u636e\u6298\u65e7\u7684\u201c\u534a\u5e74\u539f\u5219\u201d\uff0c\u4f60\u5728\u6dfb\u7f6e\u65b0\u7684\u56fa\u5b9a\u8d44\u4ea7\u7684\u90a3\u4e00\u5e74\u53ea\u670950%\u53ef\u4ee5\u7528\u4e8e\u6298\u65e7\uff0c\u4e0d\u7ba1\u4f60\u662f1\u67081\u65e5\u8d2d\u4e70\u7684\u8fd8\u662f12\u670831\u65e5\u8d2d\u4e70\u7684\u3002\u5982\u679c\u4f60\u57282017\u5e74\u5e74\u5e95\u8d2d\u4e70\u4e86\u8fd9\u4e2a\u56fa\u5b9a\u8d44\u4ea7\uff0c\u4f60\u57282018\u5e74\u5c31\u53ef\u4ee5100%\u6298\u65e7\u4e86\u3002<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4f5c\u8005\uff1aStella Wei \u52a0\u62ff\u5927\u6ce8\u518c\u4f1a\u8ba1\u5e08 2017\u5e7411\u670830\u65e5 \u00a0\u5982\u9700\u8f6c\u8f7d\uff0c\u8bf7\u5148\u5411\u4f5c\u8005\u7533\u8bf7\u540c\u610f\uff0c\u8c22\u8c22\uff01  [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[3],"tags":[],"_links":{"self":[{"href":"http:\/\/accountantwei.com\/cn\/wp-json\/wp\/v2\/posts\/137"}],"collection":[{"href":"http:\/\/accountantwei.com\/cn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/accountantwei.com\/cn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/accountantwei.com\/cn\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/accountantwei.com\/cn\/wp-json\/wp\/v2\/comments?post=137"}],"version-history":[{"count":5,"href":"http:\/\/accountantwei.com\/cn\/wp-json\/wp\/v2\/posts\/137\/revisions"}],"predecessor-version":[{"id":146,"href":"http:\/\/accountantwei.com\/cn\/wp-json\/wp\/v2\/posts\/137\/revisions\/146"}],"wp:attachment":[{"href":"http:\/\/accountantwei.com\/cn\/wp-json\/wp\/v2\/media?parent=137"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/accountantwei.com\/cn\/wp-json\/wp\/v2\/categories?post=137"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/accountantwei.com\/cn\/wp-json\/wp\/v2\/tags?post=137"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}