多倫多生活討論區 107 一齊去運動場打羽毛球
唔上吾落
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I asked my bank already, then the financial advisor asked how much RRSP, TFSA/ FHSA contribution room...
好多advisor唔熟書的
叫佢睇番regulations
叫佢睇番regulations
唔知去邊到搵個識既人黎幫我
你畀uncle上面段嘢佢睇
佢一係自己sort it out 一係搵另一個同事幫你
冇理由要個客教返佢轉頭嘅
佢一係自己sort it out 一係搵另一個同事幫你
冇理由要個客教返佢轉頭嘅
He/she KNOWS NOTHING.
Ask to speak to the manager and show the manager this Income Tax Interpretation article.
https://taxinterpretations.com/cra/severed-letters/2014-0522671e5
19 March 2014 External T.I. 2014-0522671E5 - HK Pension and Tax Treaty
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CRA Tags
56(1)(a)(i) Treaties Article XVIII
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Text of Severed Letter(active tab)
Summaries
Please note that the following document, although believed to be correct at the time of issue, may not represent the current position of the CRA.
Principal Issues: Whether receipts from a Hong Kong pension plan are taxable in Canada under the Canada-Hong Kong Tax Convention?
Position: Yes.
Reasons: Art. 17 of the Tax Convention allows Hong Kong to tax amounts from pensions (including lump sums) arising in Hong Kong, but this does not eliminate Canada's right to tax the same amounts.
XXXXXXXXXX
2014-052267
P. Tsang
March 19, 2014
Dear XXXXXXXXXX:
Re: Canadian Tax Treatment of Pension Amounts from Hong Kong
This letter is in reply to your correspondence of March 4, 2014 regarding the Canadian tax treatment of amounts from a Hong Kong pension plan. In particular, you accrued benefits under a pension plan for services rendered while you were employed by the Hong Kong government. You have since immigrated to Canada. This year you will meet the age requirement to start receiving periodic amounts in addition to a lump sum payment from this pension plan. You asked whether the periodic amounts and the lump sum payment will be taxable in Canada.
This technical interpretation provides general comments about the provisions of the Income Tax Act (the "Act") and related legislation (where referenced). It does not confirm the income tax treatment of a particular situation involving a specific taxpayer but is intended to assist you in making that determination. The income tax treatment of particular transactions proposed by a specific taxpayer will only be confirmed by this Directorate in the context of an advance income tax ruling request submitted in the manner set out in information circular (IC)70-6R5, "Advance Income Tax Rulings".
The Act generally defines a "superannuation or pension plan" to be a plan where contributions have been made to the plan by or on behalf of an employer or former employer of an employee in consideration for services rendered by the employee and contributions are used to provide an annuity or other periodical payment on or after the employee's retirement in consideration for his or her employment services. Our comments are based on the assumption that the Hong Kong pension plan to which you have referred to fits within this definition.
According to Article 17 of the Canada-Hong Kong Tax Convention (the "Tax Convention"), pensions (including lump sums) arising from Hong Kong and paid to a resident in Canada may be taxable in Hong Kong. This, however, does not eliminate Canada's right to tax the same amounts.
Canadian residents are taxable, under subparagraph 56(1)(a)(i) of the Act, on pension benefits in the year of receipt. This applies to benefits from a foreign pension plan that are attributable to services rendered while the individual was not a resident of Canada. Therefore, the periodic amounts and the lump sum payment from the Hong Kong pension plan will be taxable in Canada.
The Act and the Tax Convention do provide measures to reduce or eliminate the double taxation of income. In general, you may be entitled to claim a foreign tax credit. Income Tax Folio S5-F2-C1, "Foreign Tax Credit", provides Canada Revenue Agency's ("CRA") general views on the computation of the foreign tax credit. You may wish to refer to this publication which may be found on the CRA website at http://www.cra-arc.gc.ca/tx/tchncl/ncmtx/fls/s5/f2/s5-f2-c1-eng.html.
We trust that our comments will be of assistance to you.
Yours truly,
Lita Krantz, CPA, CA
for Director
Ask to speak to the manager and show the manager this Income Tax Interpretation article.
https://taxinterpretations.com/cra/severed-letters/2014-0522671e5
19 March 2014 External T.I. 2014-0522671E5 - HK Pension and Tax Treaty
Email this ContentEmail this Content
CRA Tags
56(1)(a)(i) Treaties Article XVIII
View modes
Text of Severed Letter(active tab)
Summaries
Please note that the following document, although believed to be correct at the time of issue, may not represent the current position of the CRA.
Principal Issues: Whether receipts from a Hong Kong pension plan are taxable in Canada under the Canada-Hong Kong Tax Convention?
Position: Yes.
Reasons: Art. 17 of the Tax Convention allows Hong Kong to tax amounts from pensions (including lump sums) arising in Hong Kong, but this does not eliminate Canada's right to tax the same amounts.
XXXXXXXXXX
2014-052267
P. Tsang
March 19, 2014
Dear XXXXXXXXXX:
Re: Canadian Tax Treatment of Pension Amounts from Hong Kong
This letter is in reply to your correspondence of March 4, 2014 regarding the Canadian tax treatment of amounts from a Hong Kong pension plan. In particular, you accrued benefits under a pension plan for services rendered while you were employed by the Hong Kong government. You have since immigrated to Canada. This year you will meet the age requirement to start receiving periodic amounts in addition to a lump sum payment from this pension plan. You asked whether the periodic amounts and the lump sum payment will be taxable in Canada.
This technical interpretation provides general comments about the provisions of the Income Tax Act (the "Act") and related legislation (where referenced). It does not confirm the income tax treatment of a particular situation involving a specific taxpayer but is intended to assist you in making that determination. The income tax treatment of particular transactions proposed by a specific taxpayer will only be confirmed by this Directorate in the context of an advance income tax ruling request submitted in the manner set out in information circular (IC)70-6R5, "Advance Income Tax Rulings".
The Act generally defines a "superannuation or pension plan" to be a plan where contributions have been made to the plan by or on behalf of an employer or former employer of an employee in consideration for services rendered by the employee and contributions are used to provide an annuity or other periodical payment on or after the employee's retirement in consideration for his or her employment services. Our comments are based on the assumption that the Hong Kong pension plan to which you have referred to fits within this definition.
According to Article 17 of the Canada-Hong Kong Tax Convention (the "Tax Convention"), pensions (including lump sums) arising from Hong Kong and paid to a resident in Canada may be taxable in Hong Kong. This, however, does not eliminate Canada's right to tax the same amounts.
Canadian residents are taxable, under subparagraph 56(1)(a)(i) of the Act, on pension benefits in the year of receipt. This applies to benefits from a foreign pension plan that are attributable to services rendered while the individual was not a resident of Canada. Therefore, the periodic amounts and the lump sum payment from the Hong Kong pension plan will be taxable in Canada.
The Act and the Tax Convention do provide measures to reduce or eliminate the double taxation of income. In general, you may be entitled to claim a foreign tax credit. Income Tax Folio S5-F2-C1, "Foreign Tax Credit", provides Canada Revenue Agency's ("CRA") general views on the computation of the foreign tax credit. You may wish to refer to this publication which may be found on the CRA website at http://www.cra-arc.gc.ca/tx/tchncl/ncmtx/fls/s5/f2/s5-f2-c1-eng.html.
We trust that our comments will be of assistance to you.
Yours truly,
Lita Krantz, CPA, CA
for Director
最仆街就係依啲半桶水銀行員工。都唔知害死幾多人。
想當年，我要一步步，好似教學生咁，教個銀行主任點樣將自己既mortgage roll 入RRSP。
想當年，我要一步步，好似教學生咁，教個銀行主任點樣將自己既mortgage roll 入RRSP。
let me give it a try.
幾時批准咗你既MPF退款？
幾時會收到錢？
幾時批准咗你既MPF退款？
幾時會收到錢？
copy 左段野比佢睇
佢話tax advice 問會計師
唔駛contribution room就照幫我入。。。
我都唔想再搵佢幫手。。。
佢話tax advice 問會計師
唔駛contribution room就照幫我入。。。
我都唔想再搵佢幫手。。。
You don't need the bank's approval to make contribution to your RRSP.
They CAN NOT stop you for making any contribution.
You have to answer to CRA ONLY.
Answer the following questions.
幾時批准咗你既MPF退款？
幾時會收到錢？
They CAN NOT stop you for making any contribution.
You have to answer to CRA ONLY.
Answer the following questions.
幾時批准咗你既MPF退款？
幾時會收到錢？
想問下大家點識朋友
一條友過嚟好空虛孤單
一條友過嚟好空虛孤單
未批，我準備緊文件
我係諗住make sure 呢邊知道點做先去申請
我係諗住make sure 呢邊知道點做先去申請
依家銀行唔知唔夠人定點，拎住bank draft入票夠膽死話要hold 5 business days 叫埋branch manager 都話要
叫埋branch manager 都話要請埋成班半桶水乜都唔識亂咁做
同一間仲開咩bank draft
Open a RRSP account and deposit up to $2,000. $2,000 is the over contribution limit without penalty.
When you receive the MPF withdrawal, keep all documents and deposit the amount into the RRSP account. You do not need any contribution room to make the deposit.
The full amount will be added to your income in the year you receive the withdrawal. You must deposit the amount into a RRSP within the year or up to 120 days after year end to get a full deduction.
Good luck
You can watch the following You tube on MPF withdrawal
https://www.youtube.com/watch?v=QncYhI0X7l4
https://www.youtube.com/watch?v=EKVc-1qiaiM
https://www.youtube.com/watch?v=8EAPiq9zibs&t=31s
When you receive the MPF withdrawal, keep all documents and deposit the amount into the RRSP account. You do not need any contribution room to make the deposit.
The full amount will be added to your income in the year you receive the withdrawal. You must deposit the amount into a RRSP within the year or up to 120 days after year end to get a full deduction.
Good luck
You can watch the following You tube on MPF withdrawal
https://www.youtube.com/watch?v=QncYhI0X7l4
https://www.youtube.com/watch?v=EKVc-1qiaiM
https://www.youtube.com/watch?v=8EAPiq9zibs&t=31s
打電話去CRA問嘢都要小心。周時都俾錯誤回應。銀行就仲仆街。 以前買spousal RRSP，次次 都攪餐懵。
我覺得任何政府call center答我嘅都係錯, 因為次次都唔同答案
到佢罰你款就唔會錯嫁啦
用wechat抵啦
死藍絲
死藍絲
試過好幾次，等成個幾鐘，問咗個問題，唔識答，要我等佢去問主任。最後一去如黃鶴，然後cut埋線。所以我依家抄低佢個number同名。 不過都係無乜用。都係嚇下佢啫。