如何决定放多少到RRSP？

[ccc]

你真不知道80,242到87124还有一个gap么？你是逗我玩了吧？

I didn't know. See what you posted:

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

 

[mooncake]

尼玛，磕瓜子还磕出个臭虫来。

 

[mooncake]

I didn't know. See what you posted:

还有一个省税的bracket。得放到一起考虑。
anything wrong?

 

[Jalise]

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

You can give us free car services to lower your tax bracket!

 

[ccc]

还有一个省税的bracket。得放到一起考虑。
anything wrong?

Nothing wrong, but no need to.

And I hereby repeat what I said earlier:

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.

 

[dkwan]

You can give us free car services to lower your tax bracket!

I mean this last

Ontario
5.05% on the first $40,120 of taxable income

 

[臭农民]

Nothing wrong, but no need to.

 

[urus]

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

BSO

 

[reine02]

不想放太多到RRSP，只想放一个刚好的数目把税率降到下一档。
请问有guidence或者worksheet之类的东西可以根据个人家庭情况（如小孩等）来帮助计算的吗？

这个问题挺复杂的，需要精算。不仅要考虑降当年的税，还要考虑退休后收入怎样少交税。

 

[Anakin]

You can give us free car services to lower your tax bracket!

我觉得到着LEVEL的收入是可以考虑慈善的，比如搞个CFC＋阳葱免费修车日一类的，前提是给低收入家庭。

别开着BBA去麻烦人老板。

 

[ccc]

这个问题挺复杂的，需要精算。不仅要考虑降当年的税，还要考虑退休后收入怎样少交税。

天啊，还精算。
没有钱，需要算计。有钱丢进去的话，还算什么啊。
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.

退休后，你的收入还会超过现在的收入么？如果会，那一分都别投入到RRSP去。

 

[mooncake]

Nothing wrong, but no need to.

And I hereby repeat what I said earlier:

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.

How is that impossible for someone to put 7000 more so he/she can reach 2nd provincial tax bracket?

 

[dkwan]

我觉得到着LEVEL的收入是可以考虑慈善的，比如搞个CFC＋阳葱免费修车日一类的，前提是给低收入家庭。

别开着BBA去麻烦人老板。

Considering.... maybe at our anniversary
We can have a community day/weekend for all people that comes in.

 

[ccc]

How is that impossible for someone to put 7000 more so he/she can reach 2nd provincial tax bracket?

不明白你在说什么。
我历来认为，如果有RRSP额度、手头有钱，参照FED的税率brackets决定足以。
其他都是多余的。
理由很简单，RRSP额度是有封顶的。

别钻牛角尖。

 

[urus]

How is that impossible for someone to put 7000 more so he/she can reach 2nd provincial tax bracket?

How is that impossible
还是
How is that possible ？？