RRSP最迟是什么时候买？

[苦逼热狗]

所以我现在交那么多没必要啊。

 

[cfcplayer]

Come on, are you going to post his estimated taxable income value from that?

His intention is to justify not contributing RRSP for 2010 tax year. That may be the correct decision for his situation, especially if he expects significantly higher income in the come 2~3 years.

由此可知你的边际税率才26%

 

[cfcplayer]

Contribution to your RRSP account is NOT a tax that you give to CRA. It remains your own asset (saving for retirement) with some restrictions. If needed, you can withdraw fund from RRSP account for house-purchase, education, or personal emergency.

所以我现在交那么多没必要啊。

 

[闲得慌]

Come on, are you going to post his estimated taxable income value from that?

His intention is to justify not contributing RRSP for 2010 tax year. That may be the correct decision for his situation, especially if he expects significantly higher income in the come 2~3 years.

你想多了。我其实想说明的是加拿大的收入所得税真的不高。像他这样的IT钻石王老五，边际税率才这么点。

 

[苦逼热狗]

Contribution to your RRSP account is NOT a tax that you give to CRA. It remains your own asset (saving for retirement) with some restrictions. If needed, you can withdraw fund from RRSP account for house-purchase, education, or personal emergency.

我更关注的是cashflow，还有手头有多少可用的资金，我现在投入在RRSP的ROI实在是太低了，比我放银行的saving account都少。

 

[苦逼热狗]

你想多了。我其实想说明的是加拿大的收入所得税真的不高。像他这样的IT钻石王老五，边际税率才这么点。

我也想30%+啊，可惜没有6位数的工资，那个日子是指忘不了了

前几天在其他论坛看到一个T4.
那个哥们11万的收入，买了2万的RRSP，交了2万3的税，740多EI, 2100多的cpp.

 

[ccc]

由此可知你的边际税率才26%

我的才23.3%。 :blowzy:

 

[ccc]

我也想30%+啊，可惜没有6位数的工资，那个日子是指忘不了了

前几天在其他论坛看到一个T4.
那个哥们11万的收入，买了2万的RRSP，交了2万3的税，740多EI, 2100多的cpp.

EI,CPP封顶了就是了。

 

[uglyducking]

if you are working in a company with stock options etc. and you know that your company is potentially be sold for a profit of all your stock options (or already owed through epp), you should save some rrsp rooms for that event. when the company get sold, all those options will be exercised, all your epp stocks will be sold. most of these income will be your taxable income and you pay huge tax on them if you don't have good room of rrsp to offset them

 

[山清水秀]

if you are working in a company with stock options etc. and you know that your company is potentially be sold for a profit of all your stock options (or already owed through epp), you should save some rrsp rooms for that event. when the company get sold, all those options will be exercised, all your epp stocks will be sold. most of these income will be your taxable income and you pay huge tax on them if you don't have good room of rrsp to offset them

Good to know. Thanks.

 

[Jingle]

it's first 60 days of the year.

you are right, but how come I thought Feb. 28 is the last day in the past 10 years?

 

[柳柳]

我更关注的是cashflow，还有手头有多少可用的资金，我现在投入在RRSP的ROI实在是太低了，比我放银行的saving account都少。

有很多的cashflow有什么好处么？
saving的利率好低好低啊

 

[苦逼热狗]

我买的RBC的Mutual Fund去年全年收益$4块钱.......我去年TD的Every Day Saving Account T5给我的是$26. 我买RRSP的profilo做的risk level是比较低，不过这远低于inflation rate的ROI，我实在无法接受

 

[猫咪快跑]

俺也是这么觉得的
目前为止 交RSP除了是为了少交点儿税，实在没有别的啥多点的好处了

我买的RBC的Mutual Fund去年全年收益$4块钱.......我去年TD的Every Day Saving Account T5给我的是$26. 我买RRSP的profilo做的risk level是比较低，不过这远低于inflation rate的ROI，我实在无法接受

 

[挺傻]

you are right, but how come I thought Feb. 28 is the last day in the past 10 years?

不好意思，弱弱的说一下，你一直没记对。:blowzy: