5000是TFSA, 是税后的, 只是他的CAPITAL GAIN AND INTEREST是不要交税. RRSP是税前的, 每年你的NOTICE OF ASSESSMENT FROM CRA会告诉你你的RRSP REDUCTION LIMIT. WHICH WAS CALCULATED BASED ON YOUR INCOME. 用不完的, 可以一直累积. 比如, 你2008年INCOME是$50000, 那你2009年的RRSP REDUCTION就是50000X18%, = $9000. 但有最高限额, 每年的限额是增加的, 如2010年是$22000. 假如你今年没有买$9000, 那没用完的余额可以留到将来用. (等$10万年薪时用不更好 ) 作者: lloydli 时间: 2010-1-20 12:43 标题: 回复 10# 的帖子
RRSP是“Registered Retirement Saving Plan”的首字母缩写。官方的定义“A registered retirement savings plan (RRSP) is an arrangement between an individual and an issuer (an insurance company, a trust company or a bank) under which retirement income commences at maturity. Contributions are made by individuals and are deductible under the Income Tax Act. Earnings in the plan remain tax-free and payments out of an RRSP are taxable on receipt.” 如果取出用钱的话,有HBP和LLP可以利用。
TFSA是“Tax-Free Saving Accounting"的首字母缩写。官方的定义是“
The TFSA was introduced in Budget 2008. Since January 1, 2009, Canadian residents who are 18 years of age or older are eligible to contribute up to $5,000 annually to a TFSA. The TFSA is a flexible, registered, general purpose account that allows Canadians to maximize their savings by earning tax-free investment income. Contributions to a TFSA are not tax-deductible, but investment income earned in a TFSA, as well as TFSA withdrawals, are tax-free.”