如何决定放多少到RRSP？

[Anakin]

Damn, I am in the last tax bracket....

Tax Brackets 2013
Home > Useful tables > Quebec > Tax Brackets 2013
FEDERAL – 2013
$43,561 or less 15%
$43,562 – $87,123 $6,534 + 22% on next $43,562
$87,124 – $135,054 $16,118 + 26% on next $47,931
$135,055 and over $28,580 + 29% on excess

• 15% rate used for AMT.
• Quebec abatement is 16.5% of basic federal tax.
• Indexation rate of 2% for 2013.

QUEBEC – 2013
$41,095 or less 16%
$41,096 – $82,190 $6,575 + 20.00% on next $41,095
$82,191 – $100,000 $14,794 + 24.00% on next $17,810
$100,001 and over $19,069 + 25.75% on excess1

• 16% rate used for AMT.
• Indexation rate of 2.48% in 2013.

TAX CREDIT FOR DIVIDENDS FROM
CANADIAN CORPORATIONS – 20132
Eligible Dividends3 Ordinary Dividends4
Federal 15.02% 13.33%5
Quebec 11.90% 8.00%6
1 Since January 1, 2013 (24% before that date).
2 Rates applicable to grossed-up dividends.
3 38% gross-up.
4 25% gross-up (18% as of January 1, 2014).
5 11% as of January 1, 2014.
6 7.05% as of January 1, 2014.

 

[ccc]

还有一个省税的bracket。得放到一起考虑。一般能降到第二个bracket就OK了。降不到也不用着急，不差钱

Ontario
5.05% on the first $40,120 of taxable income, +
9.15% on the next $40,122, +
11.16% on the next $433,848, +
13.16 % on the amount over $514,090

Ontario
5.05% on the first $40,120 of taxable income, +
9.15% on the next $40,122, +
11.16% on the next $433,848, +
13.16 % on the amount over $514,090

Look closely at these two lines. Do you still think "省税的bracket。得放到一起考虑"?

 

[mooncake]

Ontario
5.05% on the first $40,120 of taxable income, +
9.15% on the next $40,122, +
11.16% on the next $433,848, +
13.16 % on the amount over $514,090

Look closely at these two lines. Do you still think "省税的bracket。得放到一起考虑"?

当然了，你以为没人earn that much money?

 

[ccc]

当然了，你以为没人earn that much money?

Not me. Do you?

不要忘记，RRSP是封顶的，不是你想扔进去多少就可以扔进去多少。

The maximum RRSP contribution limit for 2013 is $23,820.

省税的brackets还须要一起考虑么?

 

[ccc]

max out了还是top bracket怎么办

捐！

 

[ccc]

Remeber a few key points:
1) Once you put in RRSP, you expected to leave in there for a longer time, 5-10
2) Look at contribution and saving ratio, meaning when you contribute $100 into RRSP, how much you can get back?
3) When saving is less, consider put money into child(ren) RESP (that's immediate 20% return on first $2000 every year)
4) Consider some non-registered investment, or TFSA

Do them all!

2) Look at contribution and saving ratio, -- 超过$87,123那部分，如果有钱有额度就值得买。(刚注意到这个数字，提高了。)

 

[ccc]

Tax Brackets 2013
Home > Useful tables > Quebec > Tax Brackets 2013
FEDERAL – 2013
$43,561 or less 15%
$43,562 – $87,123 $6,534 + 22% on next $43,562
$87,124 – $135,054 $16,118 + 26% on next $47,931
$135,055 and over $28,580 + 29% on excess

• 15% rate used for AMT.
• Quebec abatement is 16.5% of basic federal tax.
• Indexation rate of 2% for 2013.

QUEBEC – 2013
$41,095 or less 16%
$41,096 – $82,190 $6,575 + 20.00% on next $41,095
$82,191 – $100,000 $14,794 + 24.00% on next $17,810
$100,001 and over $19,069 + 25.75% on excess1

• 16% rate used for AMT.
• Indexation rate of 2.48% in 2013.

TAX CREDIT FOR DIVIDENDS FROM
CANADIAN CORPORATIONS – 20132
Eligible Dividends3 Ordinary Dividends4
Federal 15.02% 13.33%5
Quebec 11.90% 8.00%6
1 Since January 1, 2013 (24% before that date).
2 Rates applicable to grossed-up dividends.
3 38% gross-up.
4 25% gross-up (18% as of January 1, 2014).
5 11% as of January 1, 2014.
6 7.05% as of January 1, 2014.

我算数不好。到底哪省税高，大约高多少？

 

[臭农民]

Not me. Do you?

不要忘记，RRSP是封顶的，不是你想扔进去多少就可以扔进去多少。

The maximum RRSP contribution limit for 2013 is $23,820.

省税的brackets还须要一起考虑么?

 

[ccc]

这是CFC讨论的一大特点。

 

[Anakin]

我算数不好。到底哪省税高，大约高多少？

你先把收入报上来，我帮你算算。。。

 

[ccc]

你先把收入报上来，我帮你算算。。。

58,888

 

[臭农民]

这是CFC讨论的一大特点。

出大科学家，哲学家，文学家，金融家和无产阶级革命家等等厉害的家

 

[mooncake]

Not me. Do you?

不要忘记，RRSP是封顶的，不是你想扔进去多少就可以扔进去多少。

The maximum RRSP contribution limit for 2013 is $23,820.

省税的brackets还须要一起考虑么?

你真不知道80,242到87124还有一个gap么？你是逗我玩了吧？

 

[Anakin]

58,888

光有这个还米法算，家里几口？其他收入多少，家里车是公司车不？等等。。。。要不这么样吧，你把T４／TWG的分红什么的一蓝子单据都贴出来，自然有人帮你算好贴CFC上。

 

[臭农民]

你真不知道80,242到87124还有一个gap么？你是逗我玩了吧？

so you do make $433,848, +