rrsps&rifs.

什么是rrsps&rifs?

一种Registered Retirement Savings Plan (RRSP) is a tax-free savings vehicle that drives a comfortable retirement in your golden years. A Registered Retirement Investment Fund (RRIF) is an extension of an RRSP. The year that you turn 71, you must withdraw the money from your RRSP.

Types of RRSPs & RIFs

Spousal RRSP

该计划以您的配偶名称和您正在贡献的计划登记。作为贡献者,您有资格获得税收扣除,但RRSP投资属于您的配偶。为您的RRSP和您的配偶RRSP贡献的总金额不应超过您所允许的总扣除。它最大限度地减少了对夫妻的税收风险。

组RRSP.

常规存款储蓄计划,允许公司的员工通过定期薪水扣除来保护退休资本。组RRSP被视为各个RRSP的集合,因为为每个参与员工注册了个人合同。某些条件适用于资格和撤离资金。

Self-directed RRSP

如果您自己设置和管理您的证券投资组合,或者在经纪人的帮助下,则为RRSP是自我指导的。对于那些想要投资其RRSP的股票捐款而不是股权基金的人。由于行政服务费,如果您选择的投资专门固定储蓄或投资基金,则自我指导的RRSP可能不是您的最佳解决方案。

Mutual fund RRIF

You can choose from a variety of mutual funds from conservative money market funds to more aggressive funds that invest in equities. You can open this RRIF at most financial institutions. If you are looking for higher returns and comfortable with higher risk then this can be good.

Segregated fund RRIF

Segregated funds are similar to mutual funds. You open this type of RRIF with an insurance company. The main difference is that the insurance company guarantees between 75% and 100% of your original investment if you hold your investment for a fixed period of time - usually 10 years.

完全管理的RRIF.

If you have a lot of retirement savings or a complicated financial situation, consider a fully managed RRIF. A professional money manager will create and manage a custom portfolio tailored to your financial goals and situation. This process is known as discretionary investment management.

RRSPS&RIFS的好处:

RRSPS&RIFS有如此多的好处,如下所示:

捐款是免税的
You can convert your RRSP to get regular payments when you retire
配偶RRSP可以减少您的税收负担
储蓄免费增加免税
您可以从您的RRSP借款购买您的第一个家或支付您的教育
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          即使您在71岁之后无法为您的RRSP做出贡献,您可以扣除未使用的RRSP贡献,达到RRSP扣除限额的金额。您不需要在一年内申请未经安全的贡献。
          一般而言,您应该旨在为您的退休储蓄贡献每年至少10%的总收入。在20多岁时开始有助于贡献,每年10%可以加起来达到尺寸的储蓄和舒适的退休。
          对于职位终止的员工,裁员将有效。同一天作为通知。在某些情况下,可能需要延迟。裁员日期充分转移重要知识和责任。
          您的RRSP投资应补充您投资的时间以及您对风险的宽容以及补充您的投资的宽容。
          与税收豁免储蓄账户(TFSA)相反,这与加拿大人要求至少18岁。但是,RRSP最大年龄。当加拿大人达到71岁时,他们必须在日历年结束时关闭他们的RRSP。
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