再问RRSP，可以用配偶的额度吗？

[joe_xj]

[FONT=宋体]如果自己的[/FONT]RRSP[FONT=宋体]限额已经买完了，可以用配偶剩下的额度吗？[/FONT]

[FONT=宋体]看了下税表，还没找到这部分[/FONT]transfer[FONT=宋体]的地方；[/FONT]

[FONT=宋体]只在[/FONT] Schedule7[FONT=宋体]里看到一句：[/FONT]total contributions made to your RRSP or your spouse's RRSP from what time. [FONT=宋体]这是不是只是说可以彼此在银行等金融机构里用同一个帐户？[/FONT] [FONT=宋体]不是指可以[/FONT]transfer[FONT=宋体]的意思吧？[/FONT]

[FONT=宋体]谢谢指导[/FONT]

 

[stevenw]

Spouse RSP account is designed for this. If spouse has high income (tax rate > 40%) then you could conside to use it.

 

[df9575]

用[FONT=宋体]配偶的额度，不管是给你买（Spouse RSP）还是给配偶自己买，都是抵配偶的当年收入。[/FONT]

 

[joe_xj]

看来我没太表达清楚。
简化如下：我的去年TAX STATEMENT显示允许我买的RRSP为３０００，我已经都买了； 我爱人去年TAX STATEMENT显示允许他买的RRSP为5000，他今年没什么工作收入，就不打算买RRSP来抵税了。
我的问题是我可以买他那5000吗？（只是为了抵我的税，不为投资。）

 

[df9575]

看来我没太表达清楚。
简化如下：我的去年TAX STATEMENT显示允许我买的RRSP为３０００，我已经都买了； 我爱人去年TAX STATEMENT显示允许他买的RRSP为5000，他今年没什么工作收入，就不打算买RRSP来抵税了。
我的问题是我可以买他那5000吗？（只是为了抵我的税，不为投资。）

是的，我明白你的意图。但买他那5000，不管进你的RRSP还是他的RRSP账号，都是减他的当年收入，只能抵他的税，不可能抵你的税。买RRSP与你想投不投资无关！

 

[巴菲]

看来我没太表达清楚。
简化如下：我的去年TAX STATEMENT显示允许我买的RRSP为３０００，我已经都买了； 我爱人去年TAX STATEMENT显示允许他买的RRSP为5000，他今年没什么工作收入，就不打算买RRSP来抵税了。
我的问题是我可以买他那5000吗？（只是为了抵我的税，不为投资。）

你正好理解反了。不管给谁买，花谁的额度就抵谁的税。照你上面说的，你爱人的5000额度如果买了，将抵你爱人的税；但是你爱人没有收入，那么就不能减任何税了。

 

[joe_xj]

明白了，谢谢LS的二位

 

[Teddy]

配偶的RRSP额度 is not transferable. The "transfer" from Schedule 7 is for other purpose, which can be found in the general guide.

[FONT=宋体]如果自己的[/FONT]RRSP[FONT=宋体]限额已经买完了，可以用配偶剩下的额度吗？[/FONT]

[FONT=宋体]看了下税表，还没找到这部分[/FONT]transfer[FONT=宋体]的地方；[/FONT]

[FONT=宋体]只在[/FONT] Schedule7[FONT=宋体]里看到一句：[/FONT]total contributions made to your RRSP or your spouse's RRSP from what time. [FONT=宋体]这是不是只是说可以彼此在银行等金融机构里用同一个帐户？[/FONT] [FONT=宋体]不是指可以[/FONT]transfer[FONT=宋体]的意思吧？[/FONT]

[FONT=宋体]谢谢指导[/FONT]

 

[iuevllksjlg]

你正好理解反了。不管给谁买，花谁的额度就抵谁的税。照你上面说的，你爱人的5000额度如果买了，将抵你爱人的税；但是你爱人没有收入，那么就不能减任何税了。

这3K 和5K 是税后的吗? 那你买你爱人的5K, 是可以报在你的TAX RETURN吗? 如果不可以, 不是相当于报了两次税吗?

 

[Teddy]

Only the person who has the RRSP limit can CONTRIBUTE (or "buy") to own or spousal's RRSP plan, then can deduct the amount from own income as filing tax return.

Let's come back to your questions: you can't contribute by using your spousal's limit at all, so you can't deduct the limit from your income either. How will you get taxed twice then?

这3K 和5K 是税后的吗? 那你买你爱人的5K, 是可以报在你的TAX RETURN吗? 如果不可以, 不是相当于报了两次税吗?

 

[只在乎曾经拥有]

Spousal RSPs cannot be used for transferring RRSP contribution space.

Spousal RSPs are only useful if one spouse has a significantly higher income now, or expects to have a significantly higher retirement income. Spousal RSPs are benificial through income splitting for such couples to reduce taxes in retirement.

Income-splitting is a way to reduce a family's overall tax bill by shifting the income from a higher-income earner to the lower income earners so that the same amount of income is taxed at a lower rate (e.g., the total income tax for a family earning $150,000 ($120,000 + $30,000) is higher than that for a family earning $150,000 ($75,000 + $75,000).

Because your spouse has lower income, it only makes sense that you contribute to her Spousal RSPs account, not vise vesa.

The 5k will be rolled over to her future RSP contributaion limit, and can only be deducted from her future income.

 

[iuevllksjlg]

So, if one spouse got zero income, he/she actually doesn't have the RRSP limit for contribution at all, right? or we can say, it doesn't matter how much the another spouse earned, he/she can not buy the RRSP for the zero incomer, right?

 

[只在乎曾经拥有]

So, if one spouse got zero income, he/she actually doesn't have the RRSP limit for contribution at all, right? or we can say, it doesn't matter how much the another spouse earned, he/she can not buy the RRSP for the zero incomer, right?

That is correct!

Contribution limit/space = income of previous tax year X 18%.

$0 X 18% = $0

 

[df9575]

So, if one spouse got zero income, he/she actually doesn't have the RRSP limit for contribution at all, right? or we can say, it doesn't matter how much the another spouse earned, he/she can not buy the RRSP for the zero incomer, right?

不是这样的。你可以用你的RRSP room空间替你的配偶RRSP，即使配偶去年收入为零。比如一家：

A/丈夫，B/夫人，以前两人都没有RRSP room。A 2008年income 10W，B 2008 income 0。2009报完税，A RRSP room = 10W * 0.18 = 1.8W，B RRSP room = 0 * 0.18 = 0。在2009年，A可以使用任何比例的1.8W空间为B买RRSP（比如0.9W给B买了Spousal RRSP，0.9W为自己买RRSP）。到了2010年报税，A就可以使用0.9W+0.9W=1.8W的RRSP来减少income。这样，B就有了0.9W的RRSP，不过B如果3年之内提取这些RRSP，这些前回到A的当年收入；过了3年提取这些RRSP，算B的当年收入。

 

[iuevllksjlg]

Clear Enough! Good luck