本帖由 ccc 于 2019-01-04 发布。版面名称：渥太华华人论坛
If you’ve never opened a TFSA, you can contribute up to $57,500 today: $5,000 for each year from 2009 to 2012; $5,500 for each of 2013 and 2014; $10,000 for 2015 and $5,500 for each of 2016, 2017 and 2018. Plus, you never lose contribution room, regardless of your age (unless you are a non-resident of Canada for an entire year, during which time you will not accumulate contribution room). And speaking of age, you must be at least 18 (and have a valid social insurance number) to open a TFSA.
You may not have money today, but many Canadians will reap a mid-life windfall from an inheritance, downsizing a home, severance or insurance payouts. Putting such proceeds into a TFSA (provided they do not exceed the available contribution room) can help shield their future growth from income tax.
“Unused contributions from each year can be carried forward, and withdrawals will [usually] result in new contribution room,” notes Krystal Yee, personal finance blogger at Give Me Back My Five Bucks. So if you withdraw $40,000 from your TFSA this year to put towards the down payment on a home, you will have $45,500 in contribution room next year (the $40,000 you took out plus another $5,500 for 2018). “It can be really confusing because we’ve never had a savings vehicle like this before.”
Read more about TFSA contributions and withdrawals
you can contribute up to $57,500 today:
Unused contribution room can be carried forward to future years such that the cumulative limit for someone who has never contributed can be as high as $57,500 today. In other words, if you were at least 18 years of age in 2009 and resident of Canada throughout that period and have never opened up a TFSA before, you could contribute the entire $57,500 to your TFSA today.
Yes, but not really. It all depends.
For RRSP, not the more the better.
TFSA难道一年赚不到3% - 5%？