加拿大理財討論區

大把人咁做

想學野

我理解RRSP只係入錢嗰年個人收入會減左入錢個數，之後無論舊錢變到幾大，喺攞出嚟嗰年都會加落個人收入到，咁點解可以有免稅增長機會

屋企人俾我買樓都唔得？

Money can grow inside your plan tax free until you withdraw them. There should be a marginal tax rate difference before and after you retired.
(But true for some people if their income after retirement is higher or about the same)
The assumption is that your income will be higher before you retire and lower after you retire.
e.g. your marginal rate is 40% before you retired and your marginal
rate far lower than 40% after you retired

你想點都得。如果俾CRA捉到，你咪同佢講囉。

我既pension同利息都已經打殘咗我既OAS啦。 不過個安全網係咁運作。我依家仲要俾tax instalment添。

of course.
you can still have your contribution room intact until whenever you want to use it.
everyone's financial situation is different.

洗乜理佢
人地講左唔得佢都仲要試
咪由得佢博囉

正確方法應該點做？

If you received the full withdrawal in 2024, you can roll (transfer) the full amount into an RRSP during 2024 or 60 days after Dec 31, 2024.
You have to include the full amount to your 2024 T1 personal income tax and take a full deduction for the amount you transferred to your RRSP.

You can withdraw the money from RRSP at any time but you have to add that amount to income in the year you make the withdrawal.
There are some tax planning that you can you do.
If you have low income in any particular year (you should be able to figure out by Nov or Dec ), then you can withdraw certain amount before Dec 31 of that year and pay little to no tax.

https://www.youtube.com/watch?v=8EAPiq9zibs

即係好似50KM speed limit, 但係有幾多過唔超速㗎。咁係咪超速都無人捉呢？ 我俾差佬捉過幾次，原來真係會中伏㗎。

邊間公司唔俾？

啲公司係要你落左地先當你真係永久離港過筆錢俾你
又咁講, 我有個fd拎左無報稅
佢聲稱問過tax specialist筆錢係佢入境前已經批左

佢聲稱問過tax specialist筆錢係佢入境前已經批左
入境前已經批左should be ok then. keep all documents.

我當交保護費算

傳說係影20+

批左，同真係到手係咪兩件事？
我都係入境前批左，入境後先入戶口
我上年照交左稅……….