给孩子从RESP里提款孩子要交税吗？

[马甲甲]

孩子上了大学，从RESP提了2万，请问要给孩子名下交税吗？
孩子没有其它收入。
谢谢。

 

[liangzi]

yes

 

[马甲甲]

呵呵，就为了那20%的granted。
政府真会算啊。
谢谢LS的。

 

[heureux]

要的。 算孩子当年的收入。 但孩子交的学费+书本费啥的会有 education amount， 再加 personal amount, 算下来基本就不用交税了。

 

[liangzi]

假如你resp股票买得好长了几倍，你不用交capital gain。算在孩子收入上还是挺划算的

 

[冷笑9声]

要的。 算孩子当年的收入。 但孩子交的学费+书本费啥的会有 education amount， 再加 personal amount, 算下来基本就不用交税了。

你是说不用大人报税？

 

[mooncake]

只有盈利和政府补贴部分需要按income交税。
quote from CRA:

Income tax considerations
Students who receive money from an RESP must claim their Educational Assistance Payment as income. Since students typically have limited income while in school, however, they may not be required to pay any income tax on this amount. This depends on individual circumstances. YourRESP provider will issue the student a T4A slip for income tax purposes.

Educational Assistance Payments include the interest earned in the RESP as well as anyCanada Education Savings Grants, provincial grants and Canada Learning Bonds received. You can use this money to pay for post-secondary school expenses like tuition, books and transportation.

 

[heureux]

你是说不用大人报税？

应该在孩子名下报税了

 

[Ayin_Ottawa]

2W不全是grants plus gains吧？如果是，那么你投资太成功了。

如果不是，只是grants + gains才交税，本金不交税。

当然，这算孩子的收入。

 

[heureux]

只有盈利和政府补贴部分需要按income交税。
quote from CRA:

Income tax considerations
Students who receive money from an RESP must claim their Educational Assistance Payment as income. Since students typically have limited income while in school, however, they may not be required to pay any income tax on this amount. This depends on individual circumstances. YourRESP provider will issue the student a T4A slip for income tax purposes.

Educational Assistance Payments include the interest earned in the RESP as well as anyCanada Education Savings Grants, provincial grants and Canada Learning Bonds received. You can use this money to pay for post-secondary school expenses like tuition, books and transportation.

哦，YES。 报税都要根据 T4, T5, 等等表来报的

 

[mooncake]

小孩低年级用政府补贴和盈利比较好。等高年级有coop income了用自己的本金。

 

[马甲甲]

2W不全是grants plus gains吧？如果是，那么你投资太成功了。

如果不是，只是grants + gains才交税，本金不交税。

当然，这算孩子的收入。

Grant满打满算也就7千2，如果能涨到2W，的确如你所说：投资太成功了。

 

[liangzi]

在加拿大上大学4年要多少钱？5万够吗？

 

[马甲甲]

本地和外地区别太大了。

 

[Mikejia]

在加拿大上大学4年要多少钱？5万够吗？

想上哪个学校可以上该学校的网站看大概学费