不少人發現自己RRSP的投資收益非常不錯，一些相關規則每個人都需要了解。
1，退休前從RRSP取錢時不計稅的只有兩個計劃！首次購房者計劃和終身學習計劃（first-time homebuyers’ plan and lifelong learning plan）。提款用于這兩項計劃，取出來的錢將不計入收入，沒有稅務問題。但是你必須按規定在一段時間內償還這筆錢。
You’re young – retirement planning may seem far-off. But being young is a benefit when planning for the future.
A registered retirement savings plan (RRSP) offers the benefits of compound interest and tax-deferred saving.
If you start contributing to an RRSP now, before the?March 1?deadline,?? you could save much more than if you start saving five years from now. There are several saving strategies we can look at together. No matter what your age, the best time to start saving is today.
2，對于沒有公司養老金的人來說，你的最高RRSP額度是上一年收入的 18%，2017年的上限為$26,010，如果你有往年沒有使用完的額度，也能補繳。
You know it’s important to save regularly to achieve your financial goals, but it can be hard with other priorities.
What if you could speed up your current savings strategy? A pre-authorized contribution to your RRSP can make saving easier.
Pre-authorized chequing (PAC) contributions can help you reach your financial goals by helping you contribute regularly, automatically and directly from your bank account. And if you increase the frequency of your RRSP contributions before the?March 1?deadline, you could save much more.
3，如果你的公司給你配比了RRSP，那么你能自己交的額度就少了很多，很多公司的待遇非常好，不僅工資高，養老金計劃也非常棒，所以對于這樣的人群，RRSP的延稅顯然明顯不夠。
As the?March 1?RRSP deadline approaches, it’s the right time to check if you’re on track to meet your retirement goals.
Catching up on RRSP contributions make sense.?
I can help you make up for lost time with a RRSP catch-up loan. It could help you use your unused contribution room and provide you with an income tax deduction*. This could give you a tax refund (depending on your personal income tax situation) that can help pay down the RRSP loan.
Contact me today to set up a meeting at 705-808-3688.
不少人發現自己RRSP的投資收益非常不錯，一些相關規則每個人都需要了解。
1，退休前從RRSP取錢時不計稅的只有兩個計劃！首次購房者計劃和終身學習計劃（first-time homebuyers’ plan and lifelong learning plan）。提款用于這兩項計劃，取出來的錢將不計入收入，沒有稅務問題。但是你必須按規定在一段時間內償還這筆錢。
You’re young – retirement planning may seem far-off. But being young is a benefit when planning for the future.
A registered retirement? ? savings plan (RRSP) offers the benefits of compound interest and? ? tax-deferred saving.
If? ? you start contributing to an RRSP now, before theMarch 1deadline,? ? you could save much more than if you start saving five years from now.? ? There are several saving strategies we can look at together. No matter what? ? your age, the best time to start saving is today.
Let’s build a savings plan together.
Contact me today to set up a meeting.
2，對于沒有公司養老金的人來說，你的最高RRSP額度是上一年收入的 18%，2017年的上限為$26,010，如果你有往年沒有使用完的額度，也能補繳。
Insert photo 2,
3，如果你的公司給你配比了RRSP，那么你能自己交的額度就少了很多，很多公司的待遇非常好，不僅工資高，養老金計劃也非常棒，所以對于這樣的人群，RRSP的延稅顯然明顯不夠。
Insert photo 3,
4，不管怎么樣，你都要注意自己放了多少錢在RRSP中，不要超額！加拿大人在其一生中可以超放$2000，超出這一數額的多交部分則會按每月1％罰款。一定要小心，否則來年收到稅單，原本延稅的工具反而給自己帶來了巨大的稅務負擔。
