什么情况？RRSP Meltdown?

周五听两同事聊天，谈到RRSP Meltdown，不知道什么情况？就两普通工薪阶层，还在担心RRSP里钱太多？听着他们其中一位还挺着急，说什么今年六十了，再不考虑就来不及了。辞掉工作又可惜，不辞有没有好的办法。怎么这世上还有这么幸福的问题让人着急？

 

退休以后不想交太多的税罢了

 

退休后要及时行乐
https://www.moneysense.ca/save/retirement/the-great-escape/
"The people who get swiped the hardest are diligent savers. They’re so successful at preparing for retirement that they don’t need to tap their RRSPs the moment they hit 65. They just let their money sit there. Then they’re surprised to discover that when you turn 71, the government forces you to start withdrawing money from your RRSP, whether you want to or not.

What really stings is that you have to pay taxes on the money you withdraw. If you have a seven-figure RRSP, or if your total income is high because of other investments, you could lose more than 40% of your hard-earned RRSP savings to the tax man. Nothing incenses a 71-year-old more."

 

One of the strategies is to stop working earlier, then go back to work after turning 70

 

我一个同事，已经开始拿老人金和养老金，还在继续工作拿工资，还在买R R S P。她也不着急。
其实她也不缺钱，就是需要上班填补空虚。

 

万一早挂了，就是另一码事。我一个同事65岁退了，半年后就去世了。

 

RRSP 是个人买的，没有统一存放管理地方，怎么会melt down?
你是说政府大学学校等退休金吗？还是CPP？

 

我听到的意思是，那哥们需要在拿CPP之前拿出很大一部分RRSP, 因为太多。
然后又收入太高，还不如退下来，全靠RRSP收入。
然后又不知道RRSP收入是不是需要个人交全部的CPP contributes, 那将太高。要知道有工作的人只交一半。
结果一桌人全都朦B，没有一个人知道答案。

 

应该是在70岁拿CPP会多一些，OAS应该是一样的。

 

CPP 和OAS 到底有关还是没关啊？
一会有关，一会又无关。

 

CPP跟收入无关。OAS跟收入有关。12、3万年收入的就没有OAS了。