原本問嗰位,佢問問吓就無回覆。
其實個spousal 計劃有一個tax planning function。
以前有好多零收入既stay home mom。 如果老公買spousal plan， 三年之後（一定要三年後），個老婆可以withdraw超過三年既spousal RRSP而當係佢本人既收入。 因為老婆無其他收入，所以係要俾零或者接近零既稅。
e。g。
spousal contribution
2024 10,000
2025 12,000
2026 13,000
2027 14,000
老婆可以喺2027年withdraw 2024 年＄10，000 然後報稅。
但係。如果喺2027年withdraw 2024 年既$10,000, 同埋2025 $12,000, 2026 $13,000 既話， 咁2025 同2026既＄12，000＄13，000都要當返係老公既收入。
有咗依條例，就可以做小小既稅務安排。如果老婆要讀書，生小孩之類。
多倫多生活討論區 109 一 Trump 2025 大勝!
唔上吾落
1001 回覆
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Auto correct 真係冇得輸
考之前最驚就係writing 因為超耐冇寫交
比左錢唔想出黎個成績咁樣衰
所以有時間就做下past paper 背下格式
轆左個11出黎
考之前最驚就係writing 因為超耐冇寫交
比左錢唔想出黎個成績咁樣衰
所以有時間就做下past paper 背下格式
轆左個11出黎
你撞正落雪既話咪慘
你本身黎之前有冇牌/實際駕駛經驗先
完全新手既 又真係唔建議直接雪地考牌 新手handle唔到咁多野 一冼就好易驚青到手忙腳亂
你本身黎之前有冇牌/實際駕駛經驗先
完全新手既 又真係唔建議直接雪地考牌 新手handle唔到咁多野 一冼就好易驚青到手忙腳亂
想問下Spousal rrsp
如果我供落老婆到
係扣我自己個年度deduction limit
定係老婆個limit ?
Thanks 🙏🏻
如果我供落老婆到
係扣我自己個年度deduction limit
定係老婆個limit ?
Thanks 🙏🏻
因為你篇文已經解釋哂, 都無需要再問落去
人地答完你
多謝都唔講就走咗去
好似老馮答你咁
多謝都唔講就走咗去
好似老馮答你咁
討論區如果唔係mon 住其實好易miss
尤其宜家咁多post
尤其宜家咁多post
你買既，用你既contribution ，雖然係入你spose個RRSP戶口，但係你扣稅。
ok
我有俾正評
RRSP可以有好多不同既稅務同財務安排。
我幾十年前，我所有既RRSP都係spousal。 我老婆同我差唔多收入。幾年後，我哋用RRSP嚟hold我哋間屋既mortgage。啲條件定到有咁辣得咁辣。供咗幾年就供滿。
依家可以同RRSP借錢買自住屋，買部份自己公司既股票。仲有。。。太多啦。
我幾十年前，我所有既RRSP都係spousal。 我老婆同我差唔多收入。幾年後，我哋用RRSP嚟hold我哋間屋既mortgage。啲條件定到有咁辣得咁辣。供咗幾年就供滿。
依家可以同RRSP借錢買自住屋，買部份自己公司既股票。仲有。。。太多啦。
幫到咪OK囉。
我覺得rrsp 長遠來講無咩用
我自己擺左d 入去對沖番今年既capital gain就算
反而HBP就真係好抵 建議大家入好入滿
我自己擺左d 入去對沖番今年既capital gain就算
反而HBP就真係好抵 建議大家入好入滿
The Home Buyers' Plan
The Home Buyers' Plan (HBP) is a program that allows you to withdraw from your registered retirement savings plans (RRSPs) to buy or build a qualifying home for yourself or for a specified disabled person. Currently the HBP withdrawal limit is $60,000.
Note
You can withdraw amounts from your RRSP under the HBP and make a qualifying withdrawal from your first home savings account (FHSA) for the same qualifying home, as long as you meet all of the conditions at the time of each withdrawal. For information about FHSA, go to First home savings account (FHSA).
The Home Buyers' Plan (HBP) is a program that allows you to withdraw from your registered retirement savings plans (RRSPs) to buy or build a qualifying home for yourself or for a specified disabled person. Currently the HBP withdrawal limit is $60,000.
Note
You can withdraw amounts from your RRSP under the HBP and make a qualifying withdrawal from your first home savings account (FHSA) for the same qualifying home, as long as you meet all of the conditions at the time of each withdrawal. For information about FHSA, go to First home savings account (FHSA).
就係供爆哂先玩rrsp其實等於同cra借免息貸款 幾抵玩
你係咪理解錯左d咩
HBP咪就係rrsp入面
HBP咪就係rrsp入面
你要供RRSP 先有得借HBP果60K
Ching唔好咁mean
都仲未計借果60k仲要多多限制
淨係樓價果度已經打撚死全個gta
淨係樓價果度已經打撚死全個gta
香港人最識就係踩香港人
係外面比人蝦到上心口都唔會出一句聲
搵到位mean鳩自己人就一定第一
係外面比人蝦到上心口都唔會出一句聲
搵到位mean鳩自己人就一定第一
rrsp長遠先最有用
同埋除左tfsa都無其他野做
同埋除左tfsa都無其他野做
有能力咪咩都打爆