[问题] RRSP是个什么东东？

[宝宝&囡囡]

RRSP完全是靠个人购买而慢慢积累的吗？
对第一次购房有什么帮助吗？

 

[Martin]

RRSP完全是靠个人购买而慢慢积累，用于购买RRSP的那部分收入暂时不需要交所得税（将来支取的时候再交）

第一次买房一个人可以支取$20k用于购房，暂时不用交所得税，但是支取的那些钱需要还回RRSP，好像是在挺长一段时间里面慢慢还。

主要的好处就是延后交税

纯属个人观点，仅供参考...俺也是外行看热闹

 

[人淡如菊]

如果你收入中等偏高（此定义为每年４月还要交税），无债务（如房贷，车贷，学生贷款，信用卡债），单身（主要是因为单身没有什么其他的避税方法），有余钱，买RRSP还是一个不错的选择。

我在Investors Group买了快３年了，交给agent管理，自己不用操心，也增长了百分之十几吧,觉得还行。不必买太多，每月小几百就可以，因为每年可以用来避税的RRSP有个limit，大约小几千的样子（根据收入来定的）。

 

[宝宝&囡囡]

如何买RRSP?
如何知道可购买额度？
购买多少？&经过多长时间？可以对第一购房有所帮助？

谢谢大家！

 

[开喜]

去投资理财那个论坛问问挺傻, 她是专家.

 

[人淡如菊]

最初由 宝宝&囡囡 发布
如何买RRSP?
如何知道可购买额度？
购买多少？&经过多长时间？可以对第一购房有所帮助？

谢谢大家！

1. You can buy it from your bank or investment companies.
2. You can call this number (1-800-959-8281) to find out what is your RRSP deduction limit, which will vary depending on your previous year's income. It will also show on your reassessment sheet what your next year's RRSP deduction limit is.
3. You can't buy more than $2000 over your RRSP deduction limit each year, or you will be penalized (having to pay tax on the extra amount that you buy).
4. You can take $20,000 max out of the RRSP account to use it towards your first home purchase whenever you want (but the money has to be in the account for 90 days or more), but remember when you do start buying RRSP that it is under the account that will be used for home purchasing, instead of for retirement (there's a penalty if you take money out of the retirement account for home purchasing).

 

[dxchen_ca]

最初由 人淡如菊 发布

1. You can buy it from your bank or investment companies.
2. You can call this number (1-800-959-8281) to find out what is your RRSP deduction limit, which will vary depending on your previous year's income. It will also show on your reassessment sheet what your next year's RRSP deduction limit is.
3. You can't buy more than $2000 over your RRSP deduction limit each year, or you will be penalized (having to pay tax on the extra amount that you buy).
4. You can take $20,000 max out of the RRSP account to use it towards your first home purchase whenever you want (but the money has to be in the account for 90 days or more), but remember when you do start buying RRSP that it is under the account that will be used for home purchasing, instead of for retirement (there's a penalty if you take money out of the retirement account for home purchasing----THIS STATEMENT IS NOT CORRECT! YOU CAN WITHDRAW LESS THAN $20K FROM YOUR ANY RRSP ACCOUNT EXCEPT FROM THE LOCK-IN RSP ACCOUNT WHICH WAS CONTRIBUTED BY YOUR EMPLOYER TO PENSION PLANS AND TRANSFERRED TO YOUR LOCK-IN RRSP WHEN YOU CHANGED EMPLOYMENT).

 

[dxchen_ca]

There is a booklet called RRSP by the Canada Revenue Agency. You can find all answers there. the booklet is available at any CRA office, one is located at Heron & riveside. You can also find most of the answers in the General Income Tax Guide, which you can pick up one at every post office with the tax forms.

 

[人淡如菊]

I talked to my financial advisor today and he told me that the guy who handled my account previously put my RRSP under the retirement account, and that I would have to take a percentage of penalty (3.2% initially, and declines 0.4% every year until it's penalty free) if I want to use the money in it for my first home purchase. That's why I pointed it out so that other people would clarify with their bank/advisor or whatever that they want to use their RRSP for home purchasing instead of retirement, to avoid this.

I'm not referring to contribution by employer at all, I'm only talking about RRSP in which you buy yourself.

You know caps are a bit rude, sounds like you are screaming.