[ZT]加拿大华人感叹：我们年收入在5至10万加元的家庭最吃亏

[Rapunzel]

这是指个人收入还是家庭收入啊？

 

[向问天]

卖肉
只要是中国人来买我都给半价

卖肉的，危险行业，到我这里买份人寿保险吧？

 

[*一生一世*]

华人双职工家庭收入超过10万的多了去了吧，各个都勤奋努力的。

 

[西西妈]

双职工四口之家，十万真的不多
不过坛子里很多IT加会计或者双IT的夫妻组合，都是奔20万去的吧
应该会觉得好很多

ps.顺便问个比较白痴的问题，我跟我老公今天讨论了一下，发现我们对加拿大的很多政策都不了解。。。
配偶买的rrsp，如果一方去世了，这个钱算是配偶的遗产么？要交遗产税还是交当年的收入税？或者是不是可以并作配偶的rrsp里面去？

我不懂啊，乱猜一下。
RRSP & spousal RRSP 反正都是一样避税放谁名头下而已，而且到退休的时候两口能split income，两人共同财产吧，不算是遗产不交遗产税收入税？:blink:

 

[向问天]

我不懂啊，乱猜一下。
RRSP & spousal RRSP 反正都是一样避税而且到退休的时候能split income，两人共同财产吧，不算是遗产不交遗产税收入税？:blink:

谁挂的时候，谁名下的RRSP得全部取出来，算作TA当年收入报税。

 

[西西妈]

谁挂的时候，谁名下的RRSP得全部取出来，算作TA当年收入报税。

真看到软件里有个选项是给刚死了的人报税，真的么

那屯好几吨银子在RRSP里准备工作百分之几百退休收入的还死不得了？

Pension 还可以50%发给配偶到去世来

 

[向问天]

真看到软件里有个选项是给刚死了的人报税，真的么

纸质税表里也有这一项啊。人可以死，当年的税还得交

 

[ccc]

双职工四口之家，十万真的不多
不过坛子里很多IT加会计或者双IT的夫妻组合，都是奔20万去的吧
应该会觉得好很多

ps.顺便问个比较白痴的问题，我跟我老公今天讨论了一下，发现我们对加拿大的很多政策都不了解。。。
配偶买的rrsp，如果一方去世了，这个钱算是配偶的遗产么？要交遗产税还是交当年的收入税？或者是不是可以并作配偶的rrsp里面去？

夫妻两人的RRSP须把对方列为beneficiary。这样就没有问题了。

Death of a RRSP Plan Holder
In the event of death, the proceeds of your RRSP are distributed to whoever was named as your beneficiary or to your estate, if no beneficiary has been designated. This designation can be specified in either your RRSP or in your will. Quebec residents must make the designation by will or marriage contract for most plans.

The proceeds of the RRSP will remain tax-sheltered if one of these situations applies:

- Your surviving spouse is the beneficiary, and the proceeds are transferred into an RRSP or a Registered Retirement Income Fund (RRIF) in his/her name;
- You have no surviving spouse, but you have children or grandchildren who are minors named as your beneficiaries. They are dependent on your estate for financial support and will have the proceeds transferred to a term annuity registered in their names; or
- Children or grandchildren, regardless of age, who are financially dependent because of physical or mental infirmity. The RRSP proceeds will be transferred to an RRSP or RRIF registered in their names, or used to purchase an annuity.

In all other situations, the balance of the RRSP at the date of death is included as income on the plan holder's final tax return.

 

[xiaoyoyo]

google了一下：
一般来说，RRSP或RRIF资金可根据其遗嘱或事先确定的RRSP或RRIF受益人计划，没有任何税务处罚地转入其在世配偶的已有的或新开的RRSP或RRIF帐号。所以，应该把配偶或未成年子女或孙子女立为RRSP或RRIF受益人，而不是把RRSP或RRIF列入遗产中。

 

[xiaoyoyo]

夫妻两人的RRSP须把对方列为beneficiary。这样就没有问题了。

Death of a RRSP Plan Holder
In the event of death, the proceeds of your RRSP are distributed to whoever was named as your beneficiary or to your estate, if no beneficiary has been designated. This designation can be specified in either your RRSP or in your will. Quebec residents must make the designation by will or marriage contract for most plans.

The proceeds of the RRSP will remain tax-sheltered if one of these situations applies:

- Your surviving spouse is the beneficiary, and the proceeds are transferred into an RRSP or a Registered Retirement Income Fund (RRIF) in his/her name;
- You have no surviving spouse, but you have children or grandchildren who are minors named as your beneficiaries. They are dependent on your estate for financial support and will have the proceeds transferred to a term annuity registered in their names; or
- Children or grandchildren, regardless of age, who are financially dependent because of physical or mental infirmity. The RRSP proceeds will be transferred to an RRSP or RRIF registered in their names, or used to purchase an annuity.

In all other situations, the balance of the RRSP at the date of death is included as income on the plan holder's final tax return.

村长我俩同时发了贴。。。哈哈
谢谢

 

[ccc]

谁挂的时候，谁名下的RRSP得全部取出来，算作TA当年收入报税。

Not really.

 

[ccc]

村长我俩同时发了贴。。。哈哈
谢谢

夫妻两人的RRSP互相把对方列为beneficiary就可以了。(河北人例外。)

这个我知道。贴个全面点的信息大家自己看比我说得准确。

 

[向问天]

Not really.

呵呵，看来我得改遗嘱了

 

[ccc]

呵呵，看来我得改遗嘱了

RRSP不用遗嘱。在你的RRSP计划里面加上beneficiary就可以了。(河北人例外。)

 

[xiee]

作者: ccc
Not really.

呵呵，看来我得改遗嘱了

啊～， 都给村长