不少人发现自己RRSP的投资收益非常不错，一些相关规则每个人都需要了解。
1，退休前从RRSP取钱时不计税的只有两个计划！首次购房者计划和终身学习计划（first-time homebuyers’ plan and lifelong learning plan）。提款用于这两项计划，取出来的钱将不计入收入，没有税务问题。但是你必须按规定在一段时间内偿还这笔钱。
You’re young – retirement planning may seem far-off. But being young is a benefit when planning for the future.
A registered retirement savings plan (RRSP) offers the benefits of compound interest and tax-deferred saving.
If you start contributing to an RRSP now, before the March 1 deadline, you could save much more than if you start saving five years from now. There are several saving strategies we can look at together. No matter what your age, the best time to start saving is today.
2，对于没有公司养老金的人来说，你的最高RRSP额度是上一年收入的 18%，2017年的上限为$26,010，如果你有往年没有使用完的额度，也能补缴。
You know it’s important to save regularly to achieve your financial goals, but it can be hard with other priorities.
What if you could speed up your current savings strategy? A pre-authorized contribution to your RRSP can make saving easier.
Pre-authorized chequing (PAC) contributions can help you reach your financial goals by helping you contribute regularly, automatically and directly from your bank account. And if you increase the frequency of your RRSP contributions before the March 1 deadline, you could save much more.
3，如果你的公司给你配比了RRSP，那么你能自己交的额度就少了很多，很多公司的待遇非常好，不仅工资高，养老金计划也非常棒，所以对于这样的人群，RRSP的延税显然明显不够。
As the March 1 RRSP deadline approaches, it’s the right time to check if you’re on track to meet your retirement goals.
Catching up on RRSP contributions make sense.
I can help you make up for lost time with a RRSP catch-up loan. It could help you use your unused contribution room and provide you with an income tax deduction*. This could give you a tax refund (depending on your personal income tax situation) that can help pay down the RRSP loan.
Contact me today to set up a meeting at 705-808-3688.
不少人发现自己RRSP的投资收益非常不错，一些相关规则每个人都需要了解。
1，退休前从RRSP取钱时不计税的只有两个计划！首次购房者计划和终身学习计划（first-time homebuyers’ plan and lifelong learning plan）。提款用于这两项计划，取出来的钱将不计入收入，没有税务问题。但是你必须按规定在一段时间内偿还这笔钱。
You’re young – retirement planning may seem far-off. But being young is a benefit when planning for the future.
A registered retirement savings plan (RRSP) offers the benefits of compound interest and tax-deferred saving.
If you start contributing to an RRSP now, before theMarch 1deadline, you could save much more than if you start saving five years from now. There are several saving strategies we can look at together. No matter what your age, the best time to start saving is today.
Let’s build a savings plan together.
Contact me today to set up a meeting.
2，对于没有公司养老金的人来说，你的最高RRSP额度是上一年收入的 18%，2017年的上限为$26,010，如果你有往年没有使用完的额度，也能补缴。
Insert photo 2,
3，如果你的公司给你配比了RRSP，那么你能自己交的额度就少了很多，很多公司的待遇非常好，不仅工资高，养老金计划也非常棒，所以对于这样的人群，RRSP的延税显然明显不够。
Insert photo 3,
4，不管怎么样，你都要注意自己放了多少钱在RRSP中，不要超额！加拿大人在其一生中可以超放$2000，超出这一数额的多交部分则会按每月1％罚款。一定要小心，否则来年收到税单，原本延税的工具反而给自己带来了巨大的税务负担。
