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TAX FREE SAVINGS ACCOUNT<\/strong><\/p>\n 18\uc138\uc774\uc0c1 \uce90\ub098\ub2e4 \uac70\uc8fc\uc790 \uc790\uaca9<\/strong> \ube44\uacfc\uc138\uc800\ucd95\uc608\uae08\uc778Tax Free Savings Account (TFSA)\ub29418\uc138\uc774\uc0c1\uc758 \uce90\ub098\ub2e4 \uac70\uc8fc\uc790\ub77c\uba74 \ub204\uad6c\ub4e0\uc9c0 \ub9cc\ub4e4 \uc218 \uc788\ub2e4. TFSA\ub294 2009\ub144\ubd80\ud130 \uc2e4\ud589\ub41c \ube44\uacfc\uc138 \uc800\ucd95\uacc4\uc88c\uc774\ub2e4. RRSP\uc640 \ub2ec\ub9ac TFSA\uc5d0 \uc785\uae08\ud55c \uae08\uc561(\uc6d0\uae08)\uc740 \uc18c\ub4dd\uacf5\uc81c\uac00 \uc548\ub418\uc9c0\ub9cc, TFSA\ub0b4\uc5d0\uc11c \ubc1c\uc0dd\ud55c \uc18c\ub4dd\uc740 \ube44\uacfc\uc138 \ub300\uc0c1\uc774 \ub41c\ub2e4. \ud558\uc9c0\ub9cc \ubc18\ub300\ub85c TFSA\uc5d0\uc11c \ubc1c\uc0dd\ud55c \ud22c\uc790\uc190\uc2e4 \uc5ed\uc2dc \uc18c\ub4dd\uacf5\uc81c\uc5d0 \uc0ac\uc6a9\ud560 \uc218 \uc5c6\ub2e4. TFSA\ub97c \uc720\uc9c0\ud558\uae30 \uc704\ud574 \uc9c0\ucd9c\ub41c \ube44\uc6a9\uc5d0 \ub300\ud55c \uc138\ubb34\uacf5\uc81c \ub610\ud55c \uc5c6\ub2e4. \uadf8\ub9ac\uace0 RRSP\uc640\ub294 \ub2ec\ub9ac \uc138 \ud6c4 \uc18c\ub4dd\uc744 \uc0ac\uc6a9\ud558\uc5ec \uc800\ucd95\uc744 \ud558\uae30 \ub54c\ubb38\uc5d0 \ubbf8\ub798\uc5d0 \uc800\ucd95\ud55c \uae08\uc561\uc744 \ucd9c\uae08\ud558\uc5ec \uc0ac\uc6a9\ud558\ub294\ub370 \uc788\uc5b4\uc11c RRSP\ubcf4\ub2e4 \ub35c \uc81c\uc57d\uc774 \ub530\ub974\uac8c \ub41c\ub2e4.<\/p>\n TFSA \ud2b9\uc9d5<\/strong> \uac70\uc8fc\uc790\uc600\ub358 \ub0a9\uc138\uc758\ubb34\uc790\uac00 \ube44\uac70\uc8fc\uc790\uac00 \ub418\ub294 \uacbd\uc6b0<\/strong> \ub0a9\uc785 \ud55c\ub3c4\ub97c \ucd08\uacfc\ud558\uc600\uc744 \uacbd\uc6b0<\/strong> 2020\ub144 6\uc6d4\ubd80\ud130 8\uc6d4 \uc0ac\uc774\uc5d0 \ucd08\uacfc\ub41c TFSA\ud55c\ub3c4\uc561\uc774 $6,000 \uc774\uba70, \ucd08\uacfc\ub41c \uc800\ucd95\uc561\uc758 \ub300\ud574 \ucf00\ube48\uc740 $180 \uc138\uae08\uc744 \ubd80\ub2f4\ub41c\ub2e4. ($6,000 X 1% X 3 \uac1c\uc6d4).<\/p>\n \uc704 \ub0b4\uc6a9\uc740 \uc77c\ubc18\uc801\uc778 \uc0ac\uc2e4\uc774\uba70, \ud2b9\uc815 \uc804\ubb38\uac00\uc758 \uc870\uc5b8\uc744 \ub300\uc6a9\ud574\uc11c \uc0ac\uc6a9\ub420 \uc218\ub294 \uc5c6\uc2b5\ub2c8\ub2e4. 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meta_font_size=”12px” meta_line_height=”1em” custom_margin=”||||false|false” custom_padding=”||||false|false”][\/et_pb_blog][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_sidebar area=”et_pb_widget_area_16″ _builder_version=”4.6.5″ _module_preset=”default” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”0px|0px|0px|0px|false|false” border_color_right=”rgba(0,0,0,0)” locked=”off”][\/et_pb_sidebar][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" TAX FREE SAVINGS ACCOUNT 18\uc138\uc774\uc0c1 \uce90\ub098\ub2e4 \uac70\uc8fc\uc790 \uc790\uaca9\ub204\uc801\ud55c\ub3c4 7\ub9cc5\ucc9c5\ubc31 \ub2ec\ub7ec \ube44\uacfc\uc138\uc800\ucd95\uc608\uae08\uc778Tax Free Savings Account (TFSA)\ub29418\uc138\uc774\uc0c1\uc758 \uce90\ub098\ub2e4 \uac70\uc8fc\uc790\ub77c\uba74 \ub204\uad6c\ub4e0\uc9c0 \ub9cc\ub4e4 \uc218 \uc788\ub2e4. TFSA\ub294 2009\ub144\ubd80\ud130 \uc2e4\ud589\ub41c \ube44\uacfc\uc138 \uc800\ucd95\uacc4\uc88c\uc774\ub2e4. RRSP\uc640 \ub2ec\ub9ac TFSA\uc5d0 \uc785\uae08\ud55c \uae08\uc561(\uc6d0\uae08)\uc740 \uc18c\ub4dd\uacf5\uc81c\uac00 \uc548\ub418\uc9c0\ub9cc, TFSA\ub0b4\uc5d0\uc11c \ubc1c\uc0dd\ud55c \uc18c\ub4dd\uc740 \ube44\uacfc\uc138 \ub300\uc0c1\uc774 \ub41c\ub2e4. \ud558\uc9c0\ub9cc \ubc18\ub300\ub85c TFSA\uc5d0\uc11c \ubc1c\uc0dd\ud55c \ud22c\uc790\uc190\uc2e4 \uc5ed\uc2dc \uc18c\ub4dd\uacf5\uc81c\uc5d0 \uc0ac\uc6a9\ud560 \uc218 \uc5c6\ub2e4. TFSA\ub97c \uc720\uc9c0\ud558\uae30 \uc704\ud574 \uc9c0\ucd9c\ub41c \ube44\uc6a9\uc5d0 \ub300\ud55c […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[62],"tags":[],"class_list":["post-5157","post","type-post","status-publish","format-standard","hentry","category-lee-jung"],"_links":{"self":[{"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/posts\/5157","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=5157"}],"version-history":[{"count":2,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/posts\/5157\/revisions"}],"predecessor-version":[{"id":5161,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/posts\/5157\/revisions\/5161"}],"wp:attachment":[{"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=5157"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=5157"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=5157"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}\n
\ub204\uc801\ud55c\ub3c4 7\ub9cc5\ucc9c5\ubc31 \ub2ec\ub7ec<\/strong><\/p>\n<\/blockquote>\n
\u2022TFSA \ub0b4\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \ubaa8\ub4e0 \uc18c\ub4dd\uc740 \ube44\uacfc\uc138\uc774\ub2e4.
\u2022TFSA \ub0a9\uc785 \ud55c\ub3c4
\u202218\uc138 \uc774\uc0c1 \uce90\ub098\ub2e4 \uac70\uc8fc\uc790\ub294 \ubcf8\uc778\uc5d0\uac8c \uc8fc\uc5b4\uc9c4 \ud55c\ub3c4\ub9cc\ud07c \ub0a9\uc77c \ud560 \uc218 \uc788\ub2e4.<\/span>
\uc608) 2003\ub144\uc0dd\uc77c \uacbd\uc6b0 2021\ub144\ub3c4 \ub204\uc801\ud55c\ub3c4\ub294 $6,000 \uc774\ub2e4.<\/span>
\u2022\uc0ac\uc6a9\ud558\uc9c0 \uc54a\uc740 \ud55c\ub3c4\ub294 RRSP\ucc98\ub7fc \uc774\uc6d4 \uac00\ub2a5\ud558\ub2e4.<\/span>
\u2022RRSP \uc640 \ub9c8\ucc2c\uac00\uc9c0\ub85c \ubba4\ucd94\uc5bc\ud380\ub4dc, \uc815\uae30\uc608\uae08, \uc8fc\uc2dd, \ucc44\uad8c \ub4f1\uc5d0 \ud22c\uc790\ud560 \uc218 \uc788\ub2e4.<\/span>
\u2022RRSP\ucc98\ub7fc \uc18c\ub4dd\uacf5\uc81c\ub97c \ubc1b\uc744 \uc218\ub294 \uc5c6\ub2e4.<\/span>
\u2022RRSP\uc640 \ub2e4\ub974\uac8c \ub9c8\uac10\uae30\ud55c\uc774 \uc788\uc9c0 \uc54a\ub2e4.<\/span>
\u2022TFSA \ud1b5\ud574\uc11c \ubc1c\uc0dd\ud55c \uc591\ub3c4 \uc190\uc2e4 \ud639\uc740 \ubc30\ub2f9\uc18c\ub4dd\uc740 \uc18c\ub4dd\uacf5\uc81c \ubc0f \ubc30\ub2f9 \uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc744 \uc218 \uc5c6\ub2e4.<\/span>
\u2022\uc778\ucd9c\uc2dc\uc5d0\ub3c4 \uc18c\ub4dd\uc73c\ub85c \ubcf4\uace0\ud560 \ud544\uc694\uac00 \uc5c6\ub2e4. \ub530\ub77c\uc11c \uac01\uc885 BENEFIT \uacc4\uc0b0\uc2dc\uc5d0 \uc601\ud5a5\uc744 \uc8fc\uc9c0 \uc54a\uac8c \ub41c\ub2e4.<\/span>
\u2022TFSA\ud22c\uc790\ub97c \uc704\ud574 \ube4c\ub9b0 \uc790\uae08\uc758 \uc774\uc790\ub294 \uc18c\ub4dd \uacf5\uc81c\uac00 \ubd88\uac00\ub2a5\ud558\ub2e4.<\/span>
\u2022TFSA\ub97c \uc0ac\uc6a9\ud574\uc11c \ud22c\uc790\ud55c \ubbf8\uad6d \uc8fc\uc2dd\uc758 \uacbd\uc6b0 \ubc30\ub2f9\uae08\uc774 \ud398\uc774\uc544\uc6c3 \ub420 \ub54c\ub9c8\ub2e4 15%\uc758 WITHHOLDING TAX(\uc6d0\ucc9c\uc9d5\uc218)\ub97c \ub0a9\ubd80\ud574\uc57c \ud55c\ub2e4.<\/span>\u00a0<\/span><\/p>\n
\u2022\uac70\uc8fc\uc790\uc778 \ub3d9\uc548\ub9cc TFSA\uc5d0 \uc800\ucd95\uc744 \ud560 \uc218 \uc788\uace0, \ube44\uac70\uc8fc\uc790\uac00 \uc800\ucd95\uc744 \ud558\ub294 \uacbd\uc6b0 \ud55c\ub2ec\uc5d0 1% PENALTY\uac00 \ubd80\uacfc\ub41c\ub2e4. \ub530\ub77c\uc11c \ucc28\ud6c4\uc5d0 \uce90\ub098\ub2e4\ub85c \ub2e4\uc2dc \ub3cc\uc544\uc62c \uacc4\ud68d\uc744 \uac16\uace0 \ube44\uac70\uc8fc\uc790\uac00 \ub418\ub294 \uacbd\uc6b0\uc5d0\ub294 \uac70\uc8fc\uc790\uc778 \uc2dc\uc810\uc5d0\uc11c \uc800\ucd95\uc744 \uc644\ub8cc\ud558\ub3c4\ub85d \ud574\uc57c \ud55c\ub2e4. \ub2e8, \ube44\uac70\uc8fc\uc790\uac00 \ub41c \uc774\ud6c4 \ud0c0 \uae08\uc735\uae30\uad00\uc73c\ub85c \uc9c1\uc811 \uc774\uccb4\ud55c \uacbd\uc6b0\ub294 PENALTY \uac00 \ubd80\uacfc\ub418\uc9c0 \uc54a\ub294\ub2e4.
\u2022\ube44\uac70\uc8fc\uc790\uac00 \ub41c \uc774\ud6c4\uc5d0 TFSA\uc5d0 \ubc1c\uc0dd\ud55c \uc18c\ub4dd\ub3c4 \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\ub2e4.
\u2022\uc774\ubbfc \uc2dc, \uc5ed\uc774\ubbfc\uc2dc TFSA\uc5d0 \ub300\ud574 \uacfc\uc138\ub418\uc9c0 \uc54a\ub294\ub2e4.
\u2022\uc778\ucd9c \uc2dc \ube44\uac70\uc8fc\uc790\ub4e4\uc5d0\uac8c \ud574\ub2f9\ud558\ub294 \uc6d0\ucc9c\uc9d5\uc218\uc138\ub97c \ub5bc\uc9c0 \uc54a\ub294\ub2e4.
\u2022\uc778\ucd9c\uc744 \ud558\uac8c \ub41c \uacbd\uc6b0, \ub2e4\uc74c\ud574 1\uc6d4 1\uc77c\uc774 \ub41c \uc2dc\uc810\uc5d0\uc11c \uac70\uc8fc\uc790\uc640 \ub9c8\ucc2c\uac00\uc9c0\ub85c \uc800\ucd95\ud55c\ub3c4\uac00 \uc99d\uac00\ub41c\ub2e4. (\ub2e8, \ube44\uac70\uc8fc\uc790 \uc2e0\ubd84\uc73c\ub85c \uc774 \ud55c\ub3c4\ub97c \ub2e4\uc2dc \uc0ac\uc6a9\ud560 \uc218\ub294 \uc5c6\ub2e4.)
\u2022TFSA\uc5d0 \ub300\ud574 \uce90\ub098\ub2e4\uc5d0\uc11c\ub294 \uacfc\uc138\ub418\uc9c0 \uc54a\uc9c0\ub9cc, \uc5ed \uc774\ubbfc\uc758 \uacbd\uc6b0 \ud574\ub2f9\uad6d\uac00\uc5d0\uc11c\ub294 \uc18c\ub4dd\ubcf4\uace0\ub97c \ud558\uc5ec\uc57c \ud55c\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \ud55c\uad6d\uc5d0\uc11c \uc138\ubb34\ubcf4\uace0\uc2dc\uc5d0 TFSA\uc548\uc5d0\uc11c \ubc1c\uc0dd\ud55c \uc774\uc790\uc18c\ub4dd\uc744 \ubcf4\uace0\ud574\uc57c \ud55c\ub2e4.<\/p>\n
\u2022TFSA\ub97c \ud1b5\ud574 \uc800\ucd95\ud560 \uc218 \uc788\ub294 \ud55c\ub3c4\ub294 \ub9e4\ub144 \uc815\ud574\uc838 \uc788\ub2e4. \ud55c\ud574\uc5d0 \ub0a9\uc785\ud558\ub294 \ubaa8\ub4e0 \uae08\uc561\uc740 \uadf8\ud574\uc758 TFSA\ub0a9\uc785\uc561\uc774 \ub41c\ub2e4. \uc5f0\uc911\uc5d0 \uc778\ucd9c\uc744 \ud588\ub2e4\uac00 \ub2e4\uc2dc \ub0a9\uc785\ud588\ub2e4 \ud558\ub354\ub77c\ub3c4 \ub2f9\ud574\uc5d0\ub294 \uc778\ucd9c\ud55c \uae08\uc561\ub9cc\ud07c \ud55c\ub3c4\uac00 \ub298\uc5b4\ub098\uc9c0 \uc54a\ub294\ub2e4. (Tax Tip: TFSA\ub294 \ub418\ub3c4\ub85d \uc5f0\ub9d0\uc5d0 \uc778\ucd9c\ud558\ub294 \uac83\uc774 \uc88b\ub2e4. \ub0a9\uc785\ud55c\ub3c4\uac00 \uc778\ucd9c\ud55c \ub2e4\uc74c\ud574 \ub2e4\uc2dc \ub298\uc5b4\ub09c\ub2e4.)
\u2022\ud55c\ud574\uc758 \uc5b4\ub290 \ud55c \uc2dc\uc810\uc774\ub77c\ub3c4 \ud55c\ub3c4\uc561\uc744 \ucd08\uacfc\ud574\uc11c \ub0a9\uc785\ud588\ub2e4\uba74 \ucd08\uacfc\ub41c \uae08\uc561\uc5d0 \ub300\ud574\uc11c \uc6d4 1%\uc758 \uc138\uae08\uc774 \ubd80\uacfc\ub41c\ub2e4.
\uc608) 30\uc138\uc758 \uce90\ub098\ub2e4 \uac70\uc8fc\uc790\uc778 \ucf00\ube48\uc740 2009\ub144 2\uc6d4 6\uc77c\uc5d0 TFSA\ub97c \ucc98\uc74c \uac1c\uc124\ud558\uace0 \uadf8 \uc774\ud6c4\ub85c \ub9e4\ub144 \ub0a9\uc785 \ud55c\ub3c4\uc561\uae4c\uc9c0 \uc800\ucd95\ud558\uc600\ub2e4. 2021\ub144 \ucd08\uc5d0, TFSA\uc758 \ub0a9\uc785 \ud55c\ub3c4\uc561\uc740 $6,000 \uc774\uc600\ub2e4. 2020\ub144\uc5d0 \ucf00\ube48\uc740 \ub2e4\uc74c\uacfc \uac19\uc774 TFSA\uc5d0 \uc800\uae08\uc744 \ud588\ub2e4.
\u20222020\ub144 4\uc6d4 5\uc77c\uc5d0 \ud55c\ub3c4\uc561\uc778 $6,000\uc744 TFSA\uc5d0 \uc800\ucd95\uc744 \ud588\ub2e4.
\u20222020\ub144 6\uc6d4 10\uc77c\uc5d0 \ucd94\uac00\ub85c$6,000\uc744 \uc800\ucd95\ud588\ub2e4.
\u20222020\ub144 8\uc6d4 25\uc77c\uc5d0 \ud55c\ub3c4\ub97c \ucd08\uacfc\ud588\ub2e4\ub294 \uc0ac\uc2e4\uc744 \uae68\ub2eb\uace0, \ucd08\uacfc\uae08 $6,000\uc744 \uc778\ucd9c\ud588\ub2e4.<\/p>\n