RRSP究竟应该怎么买或不该买，请看这里

[嘀嘀叭叭wuuu]

Re: Re: Re: Re: Re: Re: Re: RRSP到底是不是必须买？？好不好？？

最初由 Xiaomimi 发布
We are only talking about income between $35,000 ~ $61,000, the Ontario marginal tax rate at that range is 31% in 2004. So, in some future years, if your marginal tax rate is lower than 31%, you gained. Otherwise you lose.

Don't be upset, I've been decided at what you said since yesterday.
In addition, I am wondering what's the Marginal Tax Rate, does it indicate a RRSP buyer gain or lose above? In case of Yes, who cares, who can pridicts the furture, even if tomorrow.

 

[lifeisfun]

Re: Re: Re: Re: Re: Re: Re: Re: RRSP到底是不是必须买？？好不好？？

最初由 嘀嘀叭叭wuuu 发布

Don't be upset, I've been decided at what you said since yesterday.
In addition, I am wondering what's the Marginal Tax Rate, does it indicate a RRSP buyer gain or lose above? In case of Yes, who cares, who can pridicts the furture, even if tomorrow.

Sure, if you don't care for the future, better not to buy RRSP but spend money ASAP. If that's the case, then I won't waste time to persuade you to buy RRSP at all.

If you cann't predit the future, then maybe you should not only spend your money today, but also borrow money to spend today.

Anyway, it's your choice and you decide.

 

[Xiaomimi]

Re: Re: Re: Re: Re: Re: Re: Re: Re: RRSP到底是不是必须买？？好不好？？

最初由 lifeisfun 发布
Sure, if you don't care for the future, better not to buy RRSP but spend money ASAP. If that's the case, then I won't waste time to persuade you to buy RRSP at all.

If you cann't predit the future, then maybe you should not only spend your money today, but also borrow money to spend today.

Anyway, it's your choice and you decide.

One fact about future: 36% of 25 years old Canadian will die before 65.

This is a good argument for spending all the money you own and all the money you can borrow today.

 

[Xiaomimi]

Re: Re: Re: Re: Re: Re: Re: Re: RRSP到底是不是必须买？？好不好？？

最初由 嘀嘀叭叭wuuu 发布
Don't be upset, I've been decided at what you said since yesterday.
In addition, I am wondering what's the Marginal Tax Rate, does it indicate a RRSP buyer gain or lose above? In case of Yes, who cares, who can pridicts the furture, even if tomorrow.

You think too much about future which you can't predict.

Do this:

1) Pay as much as you can into mortgage if you have one.

2) Buy RRSP to reduce your taxable income to 35,000, but no more.

Most likely you will benefit a little from this purchase, but there is a real chance that you may not benefit.

 

[某某]

Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: RRSP到底是不是必须买？？好不好？？

最初由 Xiaomimi 发布


One fact about future: 36% of 25 years old Canadian will die before 65.

This is a good argument for spending all the money you own and all the money you can borrow today.

Then it is a greater chance (64%) that these people WILL LIVE after age of 65.

Think not only of yourself, but also of your family.

 

[lifeisfun]

Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: RRSP到底是不是必须买？？好不好？？

最初由 某某 发布


Then it is a greater chance (64%) that these people WILL LIVE after age of 65.

Think not only of yourself, but also of your family.

Good point.If you have a family of four, you are that 35%, who would die before 65. Then rest of your family could live beyond 65. RRSP can be used not only for yourself but also your family.

Well, if you are single, sure you don't have worry too much.

 

[Xiaomimi]

Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: RRSP到底是不是必须买？？好不好？？

最初由 某某 发布
Then it is a greater chance (64%) that these people WILL LIVE after age of 65.

Think not only of yourself, but also of your family.

For your family, don't buy RRSP !

At the year of death, your all remaining RRSP will be taxed at once, at a much higher rate. See if you accumulated 200,000 RRSP at your death, this will be taxed at 46%.

This is an argument against contribute at 31% level.

 

[某某]

Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: RRSP到底是不是必须买？？好不好？？

最初由 Xiaomimi 发布


For your family, don't buy RRSP !

At the year of death, your all remaining RRSP will be taxed at once, at a much higher rate. See if you accumulated 200,000 RRSP at your death, this will be taxed at 46%.

This is an argument against contribute at 31% level.

what do you say about the 64% people who WILL LIVE after 65 then?

 

[xixili]

请用中文回答问题

请用中文回答问题，理解起来更清晰

 

[andy0]

Re: 请用中文回答问题

最初由 xixili 发布
请用中文回答问题，理解起来更清晰

IT精英一般不屑用中文回答.

 

[嘀嘀叭叭wuuu]

Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: RRSP到底是不是必须买？？好不好？？

最初由 Xiaomimi 发布
For your family, don't buy RRSP !

At the year of death, your all remaining RRSP will be taxed at once, at a much higher rate. See if you accumulated 200,000 RRSP at your death, this will be taxed at 46%.
This is an argument against contribute at 31% level.

Applause, I knew you are right.

Every year at this time, lots of ads for purchase RRSP, sounds like no RRSP, no save, no life and no money, so this question bother me for 3 years, now I got a deep relief.
I care about the furture, that's why I am here for the anwsers, I just don't care the unknew factors of the future.

So someone who hesitates whether should buy RRSP or not, please take Xiaomimi' reference on this topics.

Thanks again, Xiaomimi, your name sounds pretty good.

 

[lifeisfun]

Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: RRSP到底是不是必须买？？好不好？？

最初由 嘀嘀叭叭wuuu 发布

Applause, I knew you are right.

Every year at this time, lots of ads for purchase RRSP, sounds like no RRSP, no save, no life and no money, so this question bother me for 3 years, now I got a deep relief.
I care about the furture, that's why I am here for the anwsers, I just don't care the unknew factors of the future.

So someone who hesitates whether should buy RRSP or not, please take Xiaomimi' reference on this topics.

Thanks again, Xiaomimi, your name sounds pretty good.

You guys sounds like a pair. If you trust that guy, why borther to ask here.

 

[lifeisfun]

Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: RRSP到底是不是必须买？？好不好？？

最初由 Xiaomimi 发布


For your family, don't buy RRSP !

At the year of death, your all remaining RRSP will be taxed at once, at a much higher rate. See if you accumulated 200,000 RRSP at your death, this will be taxed at 46%.

This is an argument against contribute at 31% level.

You are wrong, go to the following link:

http://www.aimtrimark.com/AIM/Resources/Taxes/Tax_Bulletins/TBESTAE.pdf

and you will know that if your RRSP beneficial is your spouse, she/he can transfer those RRSP into her/his RRSP and is have tax deferred.

Come on, don't come here to say something not accurate. You'd better to do some inevstigation before saying that.

 

[嘀嘀叭叭wuuu]

Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: RRSP到底是不是必须买？？好不好？？

最初由 lifeisfun 发布
You guys sounds like a pair. If you trust that guy, why borther to ask here.

You are false, my friend.

I do hope I am a pair with him/her so that I had extensive knowledge on RRSP and finance as well, unfortunitely, I am so stupid on finance stuff.

Maybe on some points you are right, but may not fit my situations.

Ok, let's talk about income $45,000, please estimate what's the approx. benefits on RRSP when you 35 to 60, and compare with non-RRSP (instead of RRSP saving in the bank or put into mortgage).

This is my point, just comapre on tax rates.

 

[Xiaomimi]

Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: RRSP到底是不是必须买？？好不好？？

最初由 嘀嘀叭叭wuuu 发布
I do hope I am a pair with him/her so that I had extensive knowledge on RRSP and finance as well, unfortunitely, I am so stupid on finance stuff.

Maybe on some points you are right, but may not fit my situations.

Ok, let's talk about income $45,000, please estimate what's the approx. benefits on RRSP when you 35 to 60, and compare with non-RRSP (instead of RRSP saving in the bank or put into mortgage).

This is my point, just comapre on tax rates.

Most people seems to believe in buying RRSP above $35,000 at tax rate of 31%. I have some doubt but won't insist on this.

Just don't buy it under $35,000. It's not worth it.

The 100% capital gain inclusion rate inside RRSP is also bad.