RRSP究竟应该怎么买或不该买,请看这里

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

That's not true, you can designate your whole amount RRSP to some one else RRSP account when you passed away! That's totally non-taxable.

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.
 
well, people are comparing different products here.
RRSP is only a common name for retirement saving, and inside RRSP, there are different investment vechicle(s) to make your money grow(or not).

Whether the content will be taxed at death, its all depends on the type of investment vechicle INSIDE your RRSP, not RRSP in general!
 
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 :confused: :confused:

The best way to do is have a government reconized part-time self-employment professional as your income taxes claims. If you are just joining those *network-marketing* 直消. You need to keep every single detail for your business. The risk is just too much to handle unless you have an accountant that work with you all the way.

For me, I have a regular fulltime job, and a parttime self-employed professional. I can claims the following against my T4 income tax.
1) Car expenese ( license, insurance, gas )
2) Home cable, internet
3) Home hydro, telephone....etc

and all you need is to keep the receipt and government will not be as tight as those *fake* company
 
关于RRSP今后上税问题,偶觉得RRSP的受益人还是以指定自己的配偶为佳.一旦一方出现意外,RRSP是可以转到另一方的名字而可以DEFERR TAX的,直到配偶去世..
如果转让给子女或者其他人,作为遗产.就需要有PROBATE FEE发生.
如果子女未满18岁,那么就需要交给TRUST进行管理,就会涉及更多的费用.有些费用加起来能够达到RRSP的1/3.很不值得的.
 
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

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.

I am not against you and Xiaomimi. I just found out some of his suggestions are wrong obviously, like RRSP will be taxed if holder died. That's why I don't trust what he said even though some of the points he made may be valid.

If you are serious about your fiancial management, better check with some financial advisors or search online to find more accurate information. That's my suggestion for you. You don't have to believe what I said. The truth is out there for you to find out.
 
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 sean 发布
That's not true, you can designate your whole amount RRSP to some one else RRSP account when you passed away! That's totally non-taxable.


I feel that only spouse as beneficial won't invoke tax. Check the link I provided in an previous posting.
 
Don't speak English, your guys shoud try to speak Chinese as more as possible, please
 
后退
顶部