真的假的：刚朋友电我，取RRSP要手续费了$100

[lilidoo]

她说以前不要，新政策

 

[BRJ]

no cost for withdrawal....but there's some withholding tax...under $5K, 10%...



if you transfer rsp to another financial institution, there will be some cost...FYI

 

[sophia2005]

是真的.我取时,找我要了50还加了税.

 

[urus]

什么叫withholding tax ？ 难道不是取出来以后再算当年收入，然后按照收入等级缴税的吗？

 

[ccc]

什么叫withholding tax ？ 难道不是取出来以后再算当年收入，然后按照收入等级缴税的吗？

代政府预收税。

Transfers Between RRSPs
You may open as many RRSPs as you wish. You are free to transfer your RRSPs between financial institutions at any time without being subject to tax. You can also move some or all of your money between eligible investments within your RRSP.

Withholding Taxes
Funds withdrawn from an RRSP will be charged withholding taxes. This amount must be held back by the plan administrator and remitted to the government on your behalf.

Effective January 1, 2005, the following withholding tax rates apply:

Amount of RRSP Withdrawal All Provinces Except Quebec/Quebec
Up to and including $5,000 10%/21%
$5,000.01 to $15,000 20%/26%
More than $15,000 30%/31%

You will receive a T4 RRSP receipt for any funds withdrawn during the year showing the amount to be included in your taxable income and the credit for the withholding tax.

 

[New Person]

See the link for the rate:
http://www.cra-arc.gc.ca/tx/ndvdls/tpcs/rrsp-reer/wthdrwls/rts-eng.html

and see the link for tax reduction:
http://www.cra-arc.gc.ca/tx/ndvdls/tpcs/rrsp-reer/wthdrwls/yrwn-eng.html

 

[ccc]

是真的.我取时,找我要了50还加了税.

你取出来多少？$500?

 

[sophia2005]

你取出来多少？$500?

我取了4400.加上10%政府Hold是5000以下.TD说如果是5000以上,要Hold20%.

 

[江上月影]

好像是取GIC的RRSP要手续费（不懂为什么），取基金的RRSP不要。刚刚取过，没要手续费只是扣了10%的税而已。

 

[OTTCHIN]

她说以前不要，新政策

这是哪家银行的规矩?扣税是有规定的,但不应该额外收费.

 

[江上月影]

真的假的：刚朋友电我，取RRSP要手续费了$100


她说以前不要，新政策

那就不取，转入mutual fund RRSP存三个月再取，手续费$100就免了。

 

[lilidoo]

一朋友丢了工作，去RRSP,原来几个月按月取没事，这次收100手续费，她就一次取几个月，再存到check账号去。