要多少RRSP的钱才能保证有很好的退休生活?

[terry]

看了一个加拿大FINACIAL ADVISER的一篇关于RRSP的文章，关于攒够多少钱在RRSP才能使退休后有DECENT的退休收入。由於不同的城市的消费和生活水平不一样，在不同城市它的要求也不一样。

当在RRSP里攒够如下数额，可以保证幸福的退休生活(相当于现在40000一年的生活)

VANCOUVER； 700000加币
ONTARIO 650000加币
ALBATA 450000加币
QEBEC 350000加币

看来我们只能到QEBEC去养老了。赶紧学法语吧。

 

[周生生]

350000,怎么攒啊？看了象天文数字。

 

[terry]

最初由 周生生 发布
350000,怎么攒啊？看了象天文数字。

她的计算MODEL是按现在40000元一年的退休收入。如果你觉得你退休后，10000一年也能过的话，就在那些数字上除以4吧(具体计算可能会复杂一些)

 

[不错]

http://www.csb.gc.ca/eng/resources_calculator_rrsp.asp

自己可以算一下，每年要存多少钱才够，结果发现主要还是看你想活多长。。。

 

[人淡如菊]

By that time, your house and car mortgages should have already been paid off, so you won't have as much expenses as you do now.

 

[不错]

最初由 人淡如菊 发布
By that time, your house and car mortgages should have already been paid off, so you won't have as much expenses as you do now.

You can finance your house to the bank and get your money back.

 

[Kent以东首帅哥]

最初由 人淡如菊 发布
By that time, your house and car mortgages should have already been paid off, so you won't have as much expenses as you do now.

By that time, your house needs a renov. and your car is on its last leg.

 

[terry]

最初由 Felix 发布
http://www.csb.gc.ca/eng/resources_calculator_rrsp.asp

自己可以算一下，每年要存多少钱才够，结果发现主要还是看你想活多长。。。

RRSP中有一点，可以说是抢钱，那些钱要到69岁才拿出来，如果估计自己的(寿命-69)这个DELTA少的话，要提前把钱拿出来合算。否则继承人就要上很重的遗产税了。

 

[haoren1]

The number is based on the assumption that you will live pass 80 years of age. The average Canadian life expectancy is 76 years of age for men and a few more years for women. If one can only live to the age of 66, one year after he retires, he only need 40,000 RRSP income. If one can only live to the age of 50, there is no need for RRSP. Therefore, you better figure out how long you are going to live

 

[Anakin]

俺自己买单独的保险去....要不然65-69岁之间...谁养俺啊?

 

[qwer]

不降低生活水平，现在退休的人有50万。
等我们退休是恐怕得300万？
还是现实一点，退休后降低生活水平吧

 

[吾言]

You don't need to wait till reaching 69 to start withdraw from your RRSP. 69 is the last year you can contribute to your RRSP. After, you have to transfer your RRSP into RRIP or withdraw in full.

 

[eis]

what is RRIP?

 

[oread]

看来在北电那点工资的确不顶事儿。

 

[周生生]

大家还买什么RSP呀，干脆现在享福算了，老了由政府养呢，我就不信拿政府的救济和自己拿RSP活的有多大区别。老了图的是热闹，以后大家都住一块，多好，还象现在一样share房子住。