[TFSA] ÃâË°´¢Ð¿ÚTFSA ´æ¿îÉÏÏÞµ÷¸ß
ÃâË°´¢Ð¿ÚÔÚ09ÄêÉèÁ¢£¬Áª°îÕþ¸®Ëµ£¬ÔÚ¼ÆËãͨÕͺ󣬾ö¶¨µ÷Ôö´æ¿îÉÏÏÞ£¬½ñ´ÎÊÇ»§¿ÚÊ״ε÷Ôö´æ¿îÉÏÏÞ¡£
´óÔ¼820ÍòÃû¹úÃñ¿ªÉèÁËÃâË°´¢Ð¿Ú£¬ÔÚÈ¥Ä꣬ÓÐ250Íò¹úÃñ£¬¸÷×Ô´æÈë×î¸ßÏÞ¶î5000Ôª¡£
ÐÂÎÅ×ÊÁÏ£º
¹ØÓÚ¼ÓÄôóµÄÃâË°´¢ÐîÕË»§£¨TFSA£©µÄÏà¹Ø֪ʶ
“¼ÓÄôóµÄÃâË°´¢ÐîÕË»§£¨TFSA,¼´Tax-Free Savings Account£©ÊÇÒ»ÖÖÖØÒªµÄͶ×ÊÇþµÀ£¬Ã¿¸ö¼ÓÄôóÈ˶¼Ï£ÍûËü´ïµ½Ê¡Ç®²¢¾¡Á¿¼õÉÙË°ÊÕµÄÄ¿µÄ£¬”´÷ά˹˵£¬ËýÊǼÓÄôó»Ê¼ÒÒøÐеÄÍËÐÝÀí²Æ¹ËÎÊ¡£
´Ó2009Äê1Ô¿ªÊ¼ÊµÊ©µÄÃâË°´¢ÐîÕÊ»§(TFSA)ÔÚ¸Õ¿ªÊ¼Ê±²¢Ã»ÓÐÒýÆð´ó¼Ò×ã¹»µÄÖØÊÓ,ÔÒòÊÇͶ×ÊÊý¶î̫С,Ê¡Ë°ÓÐÏÞ,ÌرðÊÇͶ×ʵ½ÒøÐдæ¿î, Ò»ÄêÀûÏ¢Ò²¾Í$50-60,¾ÍËãÊ¡Ë°40%Ò²²Å$20¶à,×÷Óò»´ó¡£µ«Ëæ×ÅÿһÄ깩¿î¶îµÄÔö¼Ó, TFSAÕÊ»§µÄ¹¦Äܽ«Ô½À´Ô½Ç¿´ó¡£2010Ä꿪ʼÿÈËTFSAµÄ¶î¶È½«Ôö¼Ó$5000£¬·òÆÞ¶þÈËÒ»¹²¿ÉͶ×Ê$20£¬000¡£ËæͶ×ʹæÄ£µÄÔö´ó,ÒÔϼ¸µãÔÚ½øÐÐTFSAͶ×ʹ滮ʱֵµÃ¹Ø×¢¡£
TFSAÓ¦¸ÃͶ×ÊÒøÐдæ¿î»¹ÊÇ»ù½ð¹ÉƱ? ÓÉÓÚTFSAÕÊ»§ÄÚͶ×ÊÔö³¤²¿·ÖÃâË°£¬Ôö³¤Ô½¶à,ÏíÊܵÄË°ÎñÓŻݾÍÔ½´ó,´ÓÕâÒ»ÒâÒåÉϽ²,TFSAӦͶ×ÊÊÕÒæ¸ßµÄ²úÆ·¡£µ«ÊÕÒæ¸ßµÄ²úÆ·ÍùÍù·çÏÕÒ²´ó, ÈçºÎͶ×Ê»¹ÒªÈ¡¾öÓÚͶ×ÊÈ˵ķçÏÕ³ÐÊÜÁ¦¡£
TFSAÓ¦¸ÃͶ×ʼÓÄôó»¹ÊǾ³Íâ²úÆ·?
TFSAÓëRRSPͶ×ʲ»Í¬, ¸ù¾Ý¼ÓÄôóÓë¶à¹úÇ©ÊðµÄË°ÎñÐÒé, Ͷ×ÊÓÚRRSPµÈÍËÐݽð£¨Pension£©ÕÊ»§µÄº£ÍâͶ×ʲúÉúµÄÀûÏ¢¼°ºìÀû½«±»»íÃâ·Ç¾ÓÃñË° (Non-resident withholding taxes) £¬µ«ÓÉÓÚTFSA²¢²»ÊôÓÚPensionµÄ·¶³ë£¬ÐèÒª½»ÄɷǾÓÃñË°¡£±ÈÈç,ÄãµÄTFSAÕÊ»§ÓµÓÐÃÀ¹ú¹ÉƱ£¬Óзֺì$1000£¬ÓÉÓÚÓзǾÓÃñË°£¬Ë°ÂÊ°´ 15%¼Æ£¬Ä㽫ֻÄܵõ½$850¡£Äã¿ÉÒÔÏò¼ÓÄôóÕþ¸®ÉêÇë¹úÍâË°ÊÕÓŻݣ¨Foreign Tax Credit£©ÓÃÓÚ¼õÉÙ¸ÃͶ×ÊÔÚ¼ÓÄôóµÄÓ¦½»Ë°¡£
Ïà¹ØÎÊ´ð£º
ÔÚ¼ÓÄôóÈçºÎÂòÃÀ¹ÉºÍ¼Ó¹É£¿¼Ó̩֤ȯ(Questrade)£º½»Ò×Ó¶½ð×îµÍµÄ¼ÓÄôó±¾ÍÁȯÉÌ£¨ÌṩÖÐÎÄ·þÎñ£©
×ʽðÓÐÏÞTFSAºÍ RRSPÄÄÒ»¸öÏÈͶ×Ê? ÓÉÓÚ¹ºÂòRRSP¿ÉÒÔÓÃÓÚµÖ¼õӦ˰ÊÕÈ룬¶øTFSAÔò²»ÄÜ£»RRSPͶ×ÊÓÐÆÚÏÞ£¬ÔÚ3ÔÂ1ÈÕÇ°¹ºÂò²ÅÄÜÓÃÓÚµÖ¼õÉÏÒ»ÄêµÄÊÕÈë,TFSAûÓÐÏÞÖÆ,Ëæʱ¿ÉÒÔͶ×Ê,ËùÒÔÔÚ¼ÒÍ¥½ÚÓàÓÐÏÞµÄÇé¿öÏÂ,Ò»°ãÓ¦ÓÅÏÈ¿¼ÂÇRRSPͶ×Ê£¬¹ºÂòRRSPºóÍËË°ËùµÃÓÖ¿ÉͶÈëTFSAÕÊ»§¡£ÁíÍ⣬ÔÚÊÕÈëÌرðµÍµÄÄê·ÝÒ²¿É¿¼Âǽ« RRSPÈ¡³öÒ»²¿·ÖͶ×ÊTFSA¡£
ÄÜ·ñ¿ªÉèTFSAÁªÃûÕÊ»§£¬ÅäżTFSA»ò½¨Á¢TFSAСº¢ÐÅÍÐÕÊ»§£¿ÓëRRSP¼Æ»®²»Í¬, TFSAûÓÐÅäżTFSAÕâһ˵·¨, ҲûÓÐÁªÃûÕÊ»§ÕâÑùµÄÐÎʽ£¬Åäż±ØÐë¶À×Ô¿ªÁ¢×Ô¼ºµÄ¼Æ»®¡£µ«Äã¿ÉÒÔΪÅäż»ò18ËêÒÔÉϵijÉÄê×ÓÅ®¿ªÉèµÄTFSAÕÊ»§Ìṩ×ʽð,²úÉúµÄÊÕÒ潫²»»á»ØËݵ½ÄãÃûÏÂÄÉË°¡£ÓгÉÄê×ÓÅ®µÄ¼ÒÍ¥2010Äê¿É½«ÖÁÉٿɽ«2.5-3ÍòԪͶÈëTFSAÕÊ»§¡£
·ÖÏí: |
×¢£º | ÔÚ´ËÒ³ÖÐÔĶÁÈ«ÎÄ |