Resp RRSP mortgage

[XINGHAIPARK]

5万一年。是买3000的rrsp合适还是3000的RESP合适？或是房贷合适？200k left。利率2.1
。

 

[猫胖胖]

5万一年。是买3000的rrsp合适还是3000的RESP合适？或是房贷合适？200k left。利率2.1
。

RESP是给娃的教育基金，你有娃吗？

 

[dkwan]

5万一年。是买3000的rrsp合适还是3000的RESP合适？或是房贷合适？200k left。利率2.1
。

3000 RRSP, get tax refund, then repay mortgage and RESP

 

[XINGHAIPARK]

谢谢回复。前二者比较有计算公式吗？再次感谢

 

[Mikejia]

1000 RRSP, 1000RESP, 1000 mortgage

 

[Kay007]

3000 RRSP, get tax refund, then repay mortgage and RESP

agree.
Get refund to buy RESP. Mortgage rate is very low now, don't need to hurry to pay off at this moment. Stock market is good now.

 

[shgcn]

3000 RRSP，退不回那么多税吧

 

[mooncake]

你有pension么？cpp/qpp不算

 

[b4w]

2500 RESP，毕竟能拿到政府$550奖励，你属于中低收入家庭(假设家庭收入低于87123)，比别人多拿50，先拿着。剩下钱随便存
http://www.cra-arc.gc.ca/tx/ndvdls/tpcs/resp-reee/cesp-pcee/csg-eng.html

 

[JX]

Of course rasprasp

 

[cy25915]

这要取决于5W是不是家庭总收入，夫妻双方，还有几个孩子。

 

[Chiffon]

这点钱就不用RRSP了，RRSP的额度可以累积，等以后挣得多时再用吧。现在的边际税率也不大。RESP可买，看孩子情况。

 

[十二少]

3000 RRSP，退不回那么多税吧

是呀，还是TOP UP 2500/yr RESP，拿政府的20% MATCH UP.

 

[xianjohn]

If your child is still in elementary school. it may be the best to use the money to pay your mortgage because you can buy back the years for the RESP when your child is in high middle/high school. This will let you pay less interest for your mortgage. For RRSP, You can buy RRSP anytime when you finish your mortgag and have higher salary that will let you get more refund in the future.

 

[CastleCode]

$2500resp, $500beer or wine