RRSP究竟应该怎么买或不该买，请看这里

[juan]

The Canadian Retirement Income Calculator (http://www.sdc.gc.ca/asp/gateway.asp?hr=en/isp/common/cricinfo.shtml&hs=cpr)

 

[嘀嘀叭叭wuuu]

最初由 嘀嘀叭叭wuuu 发布
另外，就我这点财务知识大家别见笑，但我一位朋友告诉我一个经验: 注册一个公司，将自己employment的收入滚在公司的亏损中，可以直接大幅地refund employment income tax paid.
但我从没有试过，也不知合理不。如果这样合法合理，那么这应该是减少工资收入税最有效的办法。

感觉这好像是个敏感或模糊的问题，所以大家都不回答了

 

[嘀嘀叭叭wuuu]

我厚着脸皮再最后问一次：
有工作收入的人，注册一个公司，将自己employment的收入滚在公司的亏损和费用中，来直接大幅度地refund employment income tax paid， 减少工资收入税，这样做究竟合法合理吗

 

[笑傲江湖]

If your income is between 35000-70000, I personally think you should buy RRSP if you have money on hand.

 

[冰激凌]

Re: Re: Re: RRSP到底是不是必须买？？好不好？？

最初由 sean 发布
Plus, 没有房子，想但想房子的，35，000 up的，买！

我认为买RRSP 有好处。一可以减税，或多退税。买了RRSP后可按个人承受能力来分配投资计划。二是买房时可用作downpayment，and tax free.(但15 年内必须还清所有款项回RRSP)。

 

[xyd88]

最初由 嘀嘀叭叭wuuu 发布
我厚着脸皮再最后问一次：
有工作收入的人，注册一个公司，将自己employment的收入滚在公司的亏损和费用中，来直接大幅度地refund employment income tax paid， 减少工资收入税，这样做究竟合法合理吗

应该可以，有朋友做直销，把亏本从employment的收入中抵消。但是据说亏本只可以
2, 3 年。

 

[牧歌]

最初由 嘀嘀叭叭wuuu 发布
我厚着脸皮再最后问一次：
有工作收入的人，注册一个公司，将自己employment的收入滚在公司的亏损和费用中，来直接大幅度地refund employment income tax paid， 减少工资收入税，这样做究竟合法合理吗

这应该把你的工资收入变成你公司的收入.除非你现在的雇主同意和你改合同,否则没有戏.其实如果公司能同意和你改合同的话,还应该有更好(稳妥)的方法来处理避税问题.

 

[陨石]

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

最初由 Xiaomimi 发布


You can save for your retirement inside or outside of RRSP. The only difference between RRSP and non-RRSP is the timing of taxation.

Remember, with RRSP, you don't reduce your tax, you just delay it. But unfortunately you won't know now the following:

1)Whether your income will be higher now or in the future.
2)Whether Canadian tax will be higher now or in the future.

So you can only base your decision on what you know now, like how much you make in 2004.

Do a google search on OAS and CPP, those are goverment plan for seniors.

In addition, if you lose your job sometime before you are 65, you can take RRSP out right away. Your income in that years when you do not have jobs should be lower. This reduce the risk that you will have higher income after you are 65.

 

[陨石]

最初由 嘀嘀叭叭wuuu 发布
我厚着脸皮再最后问一次：
有工作收入的人，注册一个公司，将自己employment的收入滚在公司的亏损和费用中，来直接大幅度地refund employment income tax paid， 减少工资收入税，这样做究竟合法合理吗

This is very risky.
CCRA will pay special attention to your tax files

 

[lifeisfun]

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

最初由 Xiaomimi 发布


You can save for your retirement inside or outside of RRSP. The only difference between RRSP and non-RRSP is the timing of taxation.

Remember, with RRSP, you don't reduce your tax, you just delay it. But unfortunately you won't know now the following:

1)Whether your income will be higher now or in the future.
2)Whether Canadian tax will be higher now or in the future.

So you can only base your decision on what you know now, like how much you make in 2004.

Do a google search on OAS and CPP, those are goverment plan for seniors.

I don't think you are right by saying that buying RRSP is simply delaying tax not reducing tax.

You reduce your tax when buying RRSP. If you consider that when you retire, you don't have income, then withdrawing from your RRSP won't pay or pay little tax, so overall it's not to delay but to reduce tax

 

[lifeisfun]

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

从来还没有人给我说得如此清晰，我的收入正好在这个范围，我一直没有买的原因主要是RRSP规定太多搞不懂，现在我决定完全不买了。
至于股票我不会玩那个。
另外还有最后一个问题，RRSP是个退休计划，如果我完全不买RRSP，那么今后的退休生活是否只能依靠自己的存款？或者政府还有些其他的老年退休福利，对于我们这种情况？

Don't listen to him as I found his understanding is not complete correct. You should buy RRSP and the rule is quite simple. Even if you don't live here in the future, you can still leave your RRSP in Canada and you can come back to use it when you retire. You can also withdraw RRSP when you don't have income before you retire, as at that time, your income is low and you won't pay or pass less tax on RRSP (plus the interest, or capital gain).

If you don't buy RRSP, you will reply solely on government's CPP plan, which I am not sure will still be there when you retire. So buy some RRSP for yourself just in case. Even if the CPP is still there,
then if you have RRSP, you can retire early, say, at age of 60, and start to withdraw money from RRSP. When you use up your RRSP and reach 65, then you can still apply for CPP.

 

[lifeisfun]

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



I don't think you are right by saying that buying RRSP is simply delaying tax not reducing tax.

You reduce your tax when buying RRSP. If you consider that when you retire, you don't have income, then withdrawing from your RRSP won't pay or pay little tax, so overall it's not to delay but to reduce tax

Plus your interest or capital gain from RRSP is not taxable until withdraw, and if you don't have income at that time, then you don't pay tax on it.

 

[lifeisfun]

最初由 嘀嘀叭叭wuuu 发布
我厚着脸皮再最后问一次：
有工作收入的人，注册一个公司，将自己employment的收入滚在公司的亏损和费用中，来直接大幅度地refund employment income tax paid， 减少工资收入税，这样做究竟合法合理吗

I feel that you can claim your income as loss at the first several years if the income is from the same company, not from other resource. And you could only claim the loss for first several years as after that, the CCRA will suspect you and check your book.

Never heard if you can claim your other income to a company you register. For sure you can claim some utility usage if you have a peronal business at home outside your normal job.

 

[Xiaomimi]

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

最初由 lifeisfun 发布
Don't listen to him as I found his understanding is not complete correct. You should buy RRSP and the rule is quite simple. Even if you don't live here in the future, you can still leave your RRSP in Canada and you can come back to use it when you retire. You can also withdraw RRSP when you don't have income before you retire, as at that time, your income is low and you won't pay or pass less tax on RRSP (plus the interest, or capital gain).

If you don't buy RRSP, you will reply solely on government's CPP plan, which I am not sure will still be there when you retire. So buy some RRSP for yourself just in case. Even if the CPP is still there,
then if you have RRSP, you can retire early, say, at age of 60, and start to withdraw money from RRSP. When you use up your RRSP and reach 65, then you can still apply for CPP.

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.

So to benefit, you must make sure that before 65, you have a few years where your top marginal rate is less than 31%. That depends on you and Canadian government (how much they would tax in the future).

People can buy RRSP with income between 35000 ~ 61,000. But there is real chance they may not benefit from it.

 

[某某]

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.

So to benefit, you must make sure that before 65, you have a few years where your top marginal rate is less than 31%. That depends on you and Canadian government (how much they would tax in the future).

People can buy RRSP with income between 35000 ~ 61,000. But there is real chance they may not benefit from it.

There is a chance that when the person is withdrawing from RRSP, the total annual income is still lower than, say, $35,000 if one choose to. In this case, you will not only defer your tax but also decrease it. But again, that is personal choice. One may choose to do this since he does not believe he have the need to use that much money per year when he retires. By the time one retires, most likely the mortgage is all paid off, all he has to spend on is food, clothing, transportation and some entertainment expenses. Though to some other people, they may think they need more than the bare necessity.

So, one may choose to put money away in RRSP, to delay the tax payment, and possiblely use the tax amount saved to do more investing to earn even more. Plus the personal choice of reducing the tax when he does start to withdraw from RRSP.

Or, one could choose not to get RRSP, pay full tax up front, loose the opportunity to invest with the money he could have kept for a while, and loose the chance of withdrawing from RRSP at a lower tax rate by his own choice.