非移民/非公民买Group RRSP合适吗？

[苦逼热狗]

公司有个Group RSP, 但是没有company match。
我就想知道非移民/非公民的我能够参加这个group rsp吗？
有什么需要注意的地方吗？谢谢

:thanks:

 

[dkwan]

You have to paid tax if you become resisdent of Canada. RSP is a way to defer tax payable. For what I can see, there is only advantage to you. Since you're working now, income must be higher, buy RSP will lower your net income and and reduce the tax you pay this year.
So, later, if you decided to leave Canada. Then you can withdraw from RSP and make the RSP withdraw as income for that year. Since the year you leaving will receive lesser income, then it is possible that you don't have to pay any tax at the year of your withdrawal.

 

[苦逼热狗]

thx for the replying.
RBC sent 2 agents for the Group RRSP session to my company today.
I probably will sign up for the plan tomorrow.
It's too bad that my chequing/saving/visa accounts are with TD bank.
Since all the contribution will be pre-tax, I guess I am better off at this situation.

 

[dkwan]

Yes, group RSP plan is always the best since all contributions are pre-tax.
It doesn't matter if your bank is TD or RBC.

 

[Flood]

thx for the replying.
RBC sent 2 agents for the Group RRSP session to my company today.
I probably will sign up for the plan tomorrow.
It's too bad that my chequing/saving/visa accounts are with TD bank.
Since all the contribution will be pre-tax, I guess I am better off at this situation.

Have you check out the new Tax free saving account.

It is for anyone as long as they file income tax. The fixed amount is $5000 per year per person. If you missed a year then the following year you can put in $10000. You can take the money out and put it back without losing the any rooms.

Also unlike RRSP you can still put money in your tax saving account even if you are 69 year old (at 69 you have to trun you RRSP to RRIF)

It is a new tax saving tool, and I am still learning about this. For more detail you can contact you bank.

Hope this help.

 

[苦逼热狗]

ya, I believe most of bank is offering pre-order of the tax free saving account now.

 

[dkwan]

Have you check out the new Tax free saving account.

It is for anyone as long as they file income tax. The fixed amount (Amount is fix for 2009, but 2010 could be increase to 5500 depends on CPI) is $5000 per year per person. If you missed a year then the following year you can put in $10000. You can take the money out and put it back without losing the any rooms. (This is not completely true, you can put back any withdraw next year, not immediately)

Also unlike RRSP you can still put money in your tax saving account even if you are 69 year old (at 69 you have to trun you RRSP to RRIF)

It is a new tax saving tool, and I am still learning about this. For more detail you can contact you bank.

Hope this help.

Please read any red for comment.

 

[ccc]

这完全是两码事。

一个是可以避免在收入高的时候按高税率交纳个人所得税；一个是把税后的钱拿来投资，投资所得免税。

如果公司不给分文，是否加入Group RRSP，意义不大。自己买一样。两件事情，可以自己同时做。