zt 到底买RRSP合算还是TFSA？

flyingpig · 发表于 2010-3-2 11:54

The impact of income-based clawbacks
A common assumption made during retirement planning is that an individual will
be subject to a lower marginal income tax rate upon retirement than he or she will be beforehand. This may sound logical, but it is often not true when considering income-based clawbacks that apply to several programs for seniors. The three main clawbacks that affect seniors apply to Old Age Security (OAS), the Guaranteed Income Supplement (GIS) and the age tax credit.
• OAS is $6,203.52, which is reduced by 15 per cent of net income in excess of $66,335.
OAS is eliminated when net income is equal to or greater than $107,692.
• The GIS is a tax-free amount that does not exceed $7,830.12, which is paid to seniors with a net income of less than $15,672, excluding OAS and the GIS. For a senior who is single or widowed, $1 of the GIS is subject to a clawback for every $2 of non-OAS income received.
• The age tax credit is a non-refundable tax credit available to seniors in an amount
equal to 15 per cent of $6,408, which is reduced by 15 per cent of net income in excess of $32,312. The age tax credit is eliminated when net income is equal to or greater than $75,032.

For example, a non-senior earning $8,882 annually will pay taxes of 15 per cent on each additional dollar earned up to $10,100, at which point the marginal tax rate will increase to 21 per cent. However, a senior earning $8,882 will essentially pay taxes of 65 per cent on each additional dollar earned: 15 per cent for income taxes and 50 per cent for the GIS clawback (i.e., the GIS benefit will be reduced by 50 cents for the additional dollar).
.......
Given that a withdrawal from an RRSP is included in taxable income, it may not make sense to contribute to an RRSP unless you are currently in a high tax bracket. A contribution to a TFSA may be preferable, given that a withdrawal is not included in income and, thus, is not a factor in any of the three incomebased clawbacks.

Camillo Lento
Faculty of Business Administration
Lakehead University, under Bay, ON

Garbo · 发表于 2010-3-2 14:41

很有道理！

urspace · 发表于 2010-3-3 09:34

依我个人看来，这要分情况了，看你急不急需钱。。税率高，绝对是RRSP划算。TFSA我的理解就是存钱利息不上税，某种程度上，对于收入相对较低的来说，不实用。

精打细算 · 发表于 2010-3-3 09:41

存银行TFSA收免税 GIC 利息还不如

游客，如果您要查看本帖隐藏内容请回复

star · 发表于 2010-3-3 11:25

kankan

syang313 · 发表于 2010-3-3 12:15

本帖最后由 syang313 于 2010-3-3 12:21 编辑

如果每个月的工资基本没有存款，又不知道什么时候会用钱，这种情况是把钱放在TFSA还是还房屋贷款？

Garbo · 发表于 2010-3-3 14:47

看看精兄的。

lizhi · 发表于 2010-3-3 15:30

kankan

funny1111 · 发表于 2010-3-3 22:12

kankan

likehome · 发表于 2010-3-5 09:26

4# 精打细算

kkkkkkkkkkkk

carroll · 发表于 2010-3-5 09:42

kankan

黑蛋 · 发表于 2010-3-5 10:16

看看精打的回复

维多利亚 · 发表于 2010-3-5 23:39

看看，看看

DELTA · 发表于 2010-3-8 01:01

本帖最后由 DELTA 于 2010-3-8 01:03 编辑

3# urspace

have a look.

氧化剂 · 发表于 2010-3-8 14:15

kkkkkkkkkkkkkkkkkkkkk

吉祥如意 · 发表于 2010-3-8 17:07

Sunalta · 发表于 2010-3-8 23:50

精打细算

贝壳 · 发表于 2010-3-10 13:01

飞扬在春天 · 发表于 2010-3-10 18:55

看一看

fungame · 发表于 2010-3-10 23:00

看看看看

fengzhigu · 发表于 2010-3-11 08:56

KANKAN

huixin · 发表于 2010-3-11 08:58

DanielNien · 发表于 2010-3-11 11:09

4# 精打细算

GIC 是? 看看

andreas · 发表于 2010-3-14 12:22

kankan

记不住 · 发表于 2010-3-14 18:11

4# 精打细算

hhhh

Cold_Beer · 发表于 2010-3-18 14:30

Kan Kan

三月三 · 发表于 2010-3-18 14:36

看看

jjwgg · 发表于 2010-3-23 12:36

kankan

flyingpig · 发表于 2010-3-23 13:31

本帖最后由 tara2006 于 2010-3-23 14:44 编辑

一般认为，在个人退休规划方面是，一个人退休后会享受较低的边际所得税率。这话听起来合乎逻辑的，但考虑一些clawbacks, 并不是绝对正确的。三个主要的clawbacks是OAS, GIS,和年龄的税收抵免。

1.OAS每年$6,203.52, 收入超过$66,335, 减少15%, 收入大于$107,692, OAS为0
2.GIC每年最多$ 7,830.12,是免税的. 只是付给年收入少于 $15,672,对于一个单身的老人，每收到$2的非OAS，就要减少$1的GIS
3.....

例如，一个年轻人每年收入 $8,882 ，税率是15%。但是一个老年人每年收入 $8,882的税率几乎相当于是65%（15% 收入所得税， 50% GIS 扣除）

萧秋水 · 发表于 2010-3-23 22:42

看看精打

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