RRSP有关问题请教

[Teddy]

Use your limit room, then deduct it from your current year,s income. BAsically, save some retirement money for spouse, who will pay taxes instead of after certain years (5?)

刚明白点儿,现在又糊涂了.给配偶买RRSP ?如果配偶没工作,即没有RRSP的指标，怎么会给配偶买呢？还是可以用本人的RRSP指标？

 

[buybook]

就是用本人的RRSP指标

刚明白点儿,现在又糊涂了.给配偶买RRSP ?如果配偶没工作,即没有RRSP的指标，怎么会给配偶买呢？还是可以用本人的RRSP指标？

 

[东邪西毒]

如果配偶没有RRSP的指标，当然不能替配偶买了.

 

[ottawa_it_blue_collar]

如果配偶没有RRSP的指标，当然不能替配偶买了.

误导啊。

 

[linda1810]

If you really trust your wife and you have higher tax rate it is a good way for saving taxes.Of course use your RRSP limit room.Once something happen, the money is going to belong to your wife, not yours.

 

[Teddy]

haaaa... a kind reminder

If you really trust your wife and you have higher tax rate it is a good way for saving taxes.Of course use your RRSP limit room.Once something happen, the money is going to belong to your wife, not yours.

 

[abacada]

I contributed $17,000 RRSP in 2011 but only deducted $7000 in 2011 which means there is a $10,000 unused contribution. My 2011 tax assessment says I have RRSP contribution room of $22,000 for 2012. My question is: can I contribute $22,000 in total before March 1, 2013, or I should only contribute $12,000 because of the unused contribution last year?

$12,000.

 

[ccc]

$12,000.

为什么？　

 

[CanChn]

I contributed $17,000 RRSP in 2011 but only deducted $7000 in 2011 which means there is a $10,000 unused contribution. My 2011 tax assessment says I have RRSP contribution room of $22,000 for 2012. My question is: can I contribute $22,000 in total before March 1, 2013, or I should only contribute $12,000 because of the unused contribution last year?

I think you could still contribute $22,000 and CLAIM $22,000 for 2012. You could not claim $32,000.

 

[ccc]

I think you could still contribute $22,000 and CLAIM $22,000 for 2012. You could not claim $32,000.

“My 2011 tax assessment says I have RRSP contribution room of $22,000 for 2012. ”　

 

[liujiejie]

买12000。

I contributed $17,000 RRSP in 2011 but only deducted $7000 in 2011 which means there is a $10,000 unused contribution. My 2011 tax assessment says I have RRSP contribution room of $22,000 for 2012. My question is: can I contribute $22,000 in total before March 1, 2013, or I should only contribute $12,000 because of the unused contribution last year?

NOA上unused RRSP contribution 是包含在RRSP deduction limit 中的，也就是说你再买12000加上以前的10000，正好22000，再多买又成了unused，又得carry forward to 下一年，那是何苦呢？
另外，NOA上从来没有RRSP contribution room这个字眼，你混淆大家了。
你说的是your RRSP deducition limit for 2012 有$22000, 对吗？
自己做算数填一下schedule 7，就明白了。

 

[Morningcoffee]

You are right -- in NOA "Your RRSP deduction limit for 2012" is $22,293 (A). It also says "you have $10,000 (B) unused RRSP contributions.

My financial advisor'a comments are:
"Unless you made other contributions to RRSPs between March 1st 2012 and today, you can contribute up to $22,293 for 2012 (plus about an extra $7K of additional room that you should earn because of your income in 2012). So the answer is yes, you can contribute up to $22K before March 1st 2013, and recognize that contribution and the $10K contribution you did not recognize last year (to write down income and minimize any taxes that might be payable on the capital gain you made selling the rental property)."

I sold a rental property in 2012 and wish to apply maximum deduction allowed but kind of confused now.

NOA上unused RRSP contribution 是包含在RRSP deduction limit 中的，也就是说你再买12000加上以前的10000，正好22000，再多买又成了unused，又得carry forward to 下一年，那是何苦呢？
另外，NOA上从来没有RRSP contribution room这个字眼，你混淆大家了。
你说的是your RRSP deducition limit for 2012 有$22000, 对吗？
自己做算数填一下schedule 7，就明白了。