因为工作变动，多买了今年的RRSP,怎么办？

[appleapple]

我才买了今年的RRSP(2008),可却突然被告知离开岗位，也就是说我多买了今年的rrsp， 我该怎么办呢？

 

[挺傻]

可以多买两千。
如果超过了这个限额，需要到CRA填表申请取出来，不然要交罚款的。所以一定要计算一下。

 

[appleapple]

REPLY

我怎么知道2008年我可以买多少呢?

 

[appleapple]

REPLY

是不是在明年抱税前提出来就可以?

 

[挺傻]

是不是在明年抱税前提出来就可以?

你08 年买的额度应该是你 07 年 EMPLOYMENT INCOME的18%, 上线是16500 还是17500 我忘记了.

你越早拿出来越好.省得 CRA 找你麻烦.

 

[mortgagegopher]

我才买了今年的RRSP(2008),可却突然被告知离开岗位，也就是说我多买了今年的rrsp， 我该怎么办呢？

I don't understand your concern. It is Januray (the first month of 2008) only.

1. If you still have some contribution room for 2007 tax year, you can use this RRSP contribution (Jan 2008) for 2007 tax return when you file the income tax return this Feb/March.
i.e. The RRSP contribution in Jan or Feb current year can also be used for income tax RRSP deduction of last year.

or

2. If you find another job in the remaining of 2008, you will have income and more RRSP contribution room for 2008. Then, need not to worry.

or

3. If you haven't over-purchased more than $2000, you are fine and there is no penalty from CRA. Just mention this contribution in your '2008' tax return next year. Then, you can use this $2000 for the future RRSP deduction.

该怎么办呢?
- 1. don't worry
- 2. find a new job

 

[ell]

RRSP contribuion limit is based on last year's income..

I THINK even if you don't any income this year, you can still contribute to RRSP THIS year (based on last year's income), only thing is that you can not claim the RRSP deduction (for there is no income this year to deduce from)

 

[TinaZ]

如果你是一月份刚买的RRSP，那么这个是2007的RRSP Contribution，要在2007 T1里填上。
看一下你2006的Notice to assessment，你的RRSP deduction limit for 2007 (A) 和unused RRSP Contributions (B)是多少。
然后根据2007收入和RRSP算一下2007的 （A）和(B)。如果(B)-（A）不超过$2，000，就没关系。如果超过了，从CRA网站上下载一张T1-OVP和withdraw unused RRSP Contribution。T1-OVP一份，WURC一式4份填好了，寄到CRA，他们会填一些内容（表示同意你从RRSP取钱）寄回3份给你。你拿着这3份到你的RRSP broker，ta 就会把你多交的部分退给你，而且不会withhold tax。

 

[noon]

I don't understand your concern. It is Januray (the first month of 2008) only.

1. If you still have some contribution room for 2007 tax year, you can use this RRSP contribution (Jan 2008) for 2007 tax return when you file the income tax return this Feb/March.
i.e. The RRSP contribution in Jan or Feb current year can also be used for income tax RRSP deduction of last year.

or

2. If you find another job in the remaining of 2008, you will have income and more RRSP contribution room for 2008. Then, need not to worry.

or

3. If you haven't over-purchased more than $2000, you are fine and there is no penalty from CRA. Just mention this contribution in your '2008' tax return next year. Then, you can use this $2000 for the future RRSP deduction.

该怎么办呢?
- 1. don't worry
- 2. find a new job

不错不错! 既做了分析又给了答案还有选择.

 

[mortgagegopher]

不错不错! 既做了分析又给了答案还有选择.

谢谢