{"id":56048,"date":"2021-12-21T00:04:31","date_gmt":"2021-12-21T08:04:31","guid":{"rendered":"https:\/\/canadaexpress.com\/news\/?p=56048"},"modified":"2021-12-22T19:31:44","modified_gmt":"2021-12-23T03:31:44","slug":"rrsp-registered-retirement-saving-plan","status":"publish","type":"post","link":"https:\/\/canadaexpress.com\/news\/?p=56048","title":{"rendered":"RRSP (Registered Retirement Saving Plan)"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.8.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||25px||false|false&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; locked=&#8221;off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.8.1&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.8.1&#8243; _module_preset=&#8221;default&#8221; 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header_4_font_size__hover_enabled=&#8221;18px&#8221; header_4_letter_spacing__hover=&#8221;0px&#8221; header_4_letter_spacing__hover_enabled=&#8221;0px&#8221; header_4_line_height__hover=&#8221;1em&#8221; header_4_line_height__hover_enabled=&#8221;1em&#8221; header_4_text_shadow_style__hover=&#8221;none&#8221; header_4_text_shadow_style__hover_enabled=&#8221;none&#8221; header_4_text_shadow_color__hover=&#8221;rgba(0,0,0,0.4)&#8221; header_4_text_shadow_color__hover_enabled=&#8221;rgba(0,0,0,0.4)&#8221; header_5_font_size__hover=&#8221;16px&#8221; header_5_font_size__hover_enabled=&#8221;16px&#8221; header_5_letter_spacing__hover=&#8221;0px&#8221; header_5_letter_spacing__hover_enabled=&#8221;0px&#8221; header_5_line_height__hover=&#8221;1em&#8221; header_5_line_height__hover_enabled=&#8221;1em&#8221; header_5_text_shadow_style__hover=&#8221;none&#8221; header_5_text_shadow_style__hover_enabled=&#8221;none&#8221; header_5_text_shadow_color__hover=&#8221;rgba(0,0,0,0.4)&#8221; header_5_text_shadow_color__hover_enabled=&#8221;rgba(0,0,0,0.4)&#8221; header_6_font_size__hover=&#8221;14px&#8221; header_6_font_size__hover_enabled=&#8221;14px&#8221; header_6_letter_spacing__hover=&#8221;0px&#8221; header_6_letter_spacing__hover_enabled=&#8221;0px&#8221; header_6_line_height__hover=&#8221;1em&#8221; header_6_line_height__hover_enabled=&#8221;1em&#8221; header_6_text_shadow_style__hover=&#8221;none&#8221; header_6_text_shadow_style__hover_enabled=&#8221;none&#8221; header_6_text_shadow_color__hover=&#8221;rgba(0,0,0,0.4)&#8221; header_6_text_shadow_color__hover_enabled=&#8221;rgba(0,0,0,0.4)&#8221; text_letter_spacing__hover=&#8221;0px&#8221; text_letter_spacing__hover_enabled=&#8221;0px&#8221; text_text_shadow_style__hover=&#8221;none&#8221; text_text_shadow_style__hover_enabled=&#8221;none&#8221; text_text_shadow_color__hover=&#8221;rgba(0,0,0,0.4)&#8221; text_text_shadow_color__hover_enabled=&#8221;rgba(0,0,0,0.4)&#8221;]<\/p>\n<blockquote>\n<p><strong>\uc62c \ud574 \ubd84 2022\ub144 3\uc6d4 1\uc77c\uae4c\uc9c0 \uad6c\uc785<\/strong><\/p>\n<p><strong>\ub9e4\ub144 \uc18c\ub4dd\uc758 18%, 2021\ucd1d\uc218\uc785 \uae30\uc900 \ucd5c\ub300 $27,830<\/strong><\/p>\n<\/blockquote>\n<p><strong>RRSP\ub780?<br \/><\/strong>RRSP\ub294 \ub300\ud45c\uc801\uc778 \uc18c\ub4dd\uacf5\uc81c \ud56d\ubaa9\uc73c\ub85c \ub2f9\ud574 \ub0a9\ubd80\ud574\uc57c \ud560 \uc138\uae08 \ubd80\ub2f4\uc744 \uc904\uc5ec\uc8fc\ub294 \ub3d9\uc2dc\uc5d0 \ub178\ud6c4\ub300\ube44\ub97c \ud560 \uc218 \uc788\ub3c4\ub85d \ud574\uc900\ub2e4. \uce90\ub098\ub2e4 \uc815\ubd80\uc5d0\uc11c \ud61c\ud0dd\uc744 \uc8fc\uace0 \uc788\ub294 \uc815\ucc45\uc73c\ub85c \ud1f4\uc9c1\uc5f0\uae08, \ub178\ud6c4 \ube44\uacfc\uc138 \uc800\ucd95\uc5f0\uae08 \ub4f1 \uc5ec\ub7ec \uc774\ub984\uc73c\ub85c \ubd88\ub9b0\ub2e4. RRSP \uad6c\uc785 \ub2f9\ud574\uc758 \uc18c\ub4dd\uc5d0\uc11c \uacf5\uc81c\ub418\uba70, RRSP\ub97c \ud1b5\ud574 \ubc8c\uc5b4\ub4e4\uc778 \uc18c\ub4dd\uc740 \uc778\ucd9c \uc804\uae4c\uc9c0 \uacfc\uc138\ud558\uc9c0 \uc54a\uc73c\ubbc0\ub85c \ub300\ud45c\uc801\uc778 \uc808\uc138\uc218\ub2e8\uc73c\ub85c \uc0ac\uc6a9\ub41c\ub2e4.<\/p>\n<p><strong>RRSP\ub97c \uad6c\uc785\ud558\ub294 \uc2dc\uae30<br \/><\/strong>\uc5f0\uc911 \uc5b8\uc81c\ub4e0\uc9c0 RRSP\ub97c \uad6c\uc785\ud558\ub294 \uac83\uc774 \uac00\ub2a5\ud558\ub098, \ud2b9\uc815 \uc5f0\ub3c4\uc5d0 \uacf5\uc81c\ud61c\ud0dd\uc744 \ubc1b\uae30 \uc704\ud574\uc11c\ub294 \uadf8 \ud574\ub2f9\uc5f0\ub3c4\uc758 \ub2e4\uc74c \ud574 60\uc77c \uc774\ub0b4\uc5d0 \uad6c\uc785\ud558\uc5ec\uc57c \ud55c\ub2e4. \ub530\ub77c\uc11c 2021\ub144 \uc18c\ub4dd\uc138 \ubcf4\uace0\uc2dc \uc18c\ub4dd\uacf5\uc81c\ub97c \ubc1b\uae30 \uc704\ud574\uc11c\ub294 \ubc18\ub4dc\uc2dc 2022\ub144 3\uc6d4 1\uc77c\uae4c\uc9c0 \uad6c\uc785\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p><strong>\uad6c\ub9e4\uc790\uaca9<br \/><\/strong>\uc0ac\uc5c5, \uadfc\ub85c, \uc784\ub300\uc18c\ub4dd\uc790\uc758 \uacbd\uc6b0 \ub204\uad6c\ub098 71\uc138 \uc774\uc804\uae4c\uc9c0 \uad6c\uc785\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p><strong>\uad6c\ub9e4\ud55c\ub3c4\uc561<br \/><\/strong>\ub9e4\ub144 \uc0ac\uc5c5, \uadfc\ub85c, \uc784\ub300\uc18c\ub4dd\uc758 18%, 2021\ub144\ub3c4 \ucd1d \uc218\uc785\uae30\uc900 \ucd5c\ub300 $27,830\uae4c\uc9c0 \ud55c\ub3c4\uc561\uc73c\ub85c \uc313\uc774\uba70, \uc0ac\uc6a9\ud558\uc9c0 \uc54a\uc740 \ud55c\ub3c4\uc561\uc740 \uc2dc\uac04 \uc81c\ud55c \uc5c6\uc774 \uc774\uc6d4\ub41c\ub2e4. \ubcf8\uc778\uc758 \ud55c\ub3c4\uc561\uc744 \ud655\uc778\ud558\ub294 \ubc29\ubc95\uc740 \ub2e4\uc74c\uacfc \uac19\ub2e4.<\/p>\n<p>\uc804\ub144\ub3c4 Notice of Assessment or Notice of Reassessment <br \/>www.cra.arc.gc.ca \uc5d0\uc11c My Account\ub97c \ud1b5\ud574 \ud655\uc778 <br \/>CRA\uc758 \uc790\ub3d9\uc751\ub2f5 \uc2dc\uc2a4\ud15c 1-800-267-6999<\/p>\n<p>\ud55c\ub3c4 \ucd08\uacfc\uc561\uc774 $2,000 \ub118\uc5b4 \uac08\uacbd\uc6b0, \uadf8 \uae08\uc561\uc5d0 \ub300\ud574\uc11c 1%\uc758 \uc774\uc790\uac00 \ub9e4\uc6d4 \ubc1c\uc0dd\ud558\uac8c \ub41c\ub2e4.<\/p>\n<p><strong>RRSP\ub97c \uad6c\uc785\ud558\uba74 \uc5b4\ub290 \uc815\ub3c4\uc758 \uc808\uc138\ud6a8\uacfc\ub97c \ubcfc \uc218 \uc788\ub098?<br \/><\/strong>\uc18c\ub4dd\uacf5\uc81c\uc774\ubbc0\ub85c \ubcf8\uc778\uc5d0\uac8c \uc801\uc6a9\ub418\ub294 \uc138\uc728\uc5d0 \ub530\ub77c \ucc28\uc774\uac00 \uc788\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc5f0\ubd09\uc774 $55,000\uc778 \uc0ac\ub78c\uc774 RRSP $5,000\uc744 \uad6c\uc785\ud558\uc600\uc744\ub54c, BC \uc8fc\uc5d0\uc11c \uc801\uc6a9\ub418\ub294 \uc18c\ub4dd\uc138\uc728 28.2%\uc5d0 \ub530\ub77c \ub0a9\uc138\uc790\ub294 $1,410\uc758 \uc808\uc138\ud6a8\uacfc\uac00\ub97c \ubcfc \uc218 \uc788\ub2e4.<\/p>\n<p><strong>\uc740\ud589\uc5d0\uc11c RRSP Loan\uc744 \uc5bb\uc5b4 \uad6c\uc785\ud558\ub294 \uacbd\uc6b0<br \/><\/strong>RRSP Loan \uc5d0 \ub300\ud55c \uc774\uc790\uc728\ubcf4\ub2e4 RRSP \uad6c\uc785\uacb0\uacfc \uc5bb\ub294 \uc808\uc138\ubd84\uacfc \ud22c\uc790\uc218\uc775\ub960\uc774 \ub354 \ud070 \uacbd\uc6b0 RRSP Loan\uc744 \uc5bb\uc5b4 RRSP Loan\uc744 \uc774\uc6a9\ud55c\ub2e4. \ub2e8, \uc774 \uacbd\uc6b0 Loan\uc5d0 \ub300\ud55c \uc774\uc790\ub294 \uacbd\ube44\ub85c \uacf5\uc81c\ubc1b\uc744 \uc218 \uc5c6\ub2e4. RRSP \uc778\ucd9c\uc2dc \ubc1c\uc0dd\ud55c \uc218\uc218\ub8cc \uc5ed\uc2dc \uacbd\ube44 \uacf5\uc81c\ub294 \ubd88\uac00\ub2a5 \ud558\ub2e4.<\/p>\n<p><strong>\uc911\ub3c4\uc778\ucd9c<br \/><\/strong>\ub300\ubd80\ubd84\uc758 RRSP\ub294 \uc911\ub3c4\uc778\ucd9c\uc774 \uac00\ub2a5\ud558\ub2e4. \ub2e8, \uc778\ucd9c\ud55c \ud574\uc758 \uacfc\uc138\uc18c\ub4dd\uc774 \ub418\uba70, \ud574\ub2f9 \uae08\uc735\uae30\uad00\uc73c\ub85c\ubd80\ud130 \uadf8\ud574 \uc18c\ub4dd\uc2e0\uace0\ub97c \uc704\ud574 T4RSP \ub77c\ub294 \uc591\uc2dd\uc744 \ubc1b\uac8c \ub41c\ub2e4. \uc778\ucd9c \uc2dc\uc5d0 \uc6d0\ucc9c\uc9d5\uc218\uc138\ub97c \ucc28\uac10\ud55c \uae08\uc561\uc744 \uc218\ub839\ud558\uac8c \ub418\ub294\ub370, \uc778\ucd9c\uc561\uc5d0 \ub530\ub978 %\ub294 \ub2e4\uc74c\uacfc \uac19\ub2e4.\u00a0<\/p>\n<p><strong>RRSP \uc778\ucd9c\uc561 Quebec\uc744 \uc81c\uc678\ud55c \ubaa8\ub4e0 \uc8fc\u00a0\u00a0<\/strong><\/p>\n<p>$5,000\uae4c\uc9c0 &#8211; 10%\u00a0<\/p>\n<p>$5,001-$15,000 &#8211; 20%\u00a0<\/p>\n<p>$15,001 \uc774\uc0c1 &#8211; 30%\u00a0<\/p>\n<p><strong>Quebec<\/strong><\/p>\n<p>$5,000\uae4c\uc9c0 &#8211; 5%<\/p>\n<p>$5,001-$15,000 &#8211; 10%<\/p>\n<p>$15,001 \uc774\uc0c1 &#8211; 15%<\/p>\n<p>&nbsp;<\/p>\n<p>Tip! \uc774\ubbf8 \uad6c\uc785\ud55c RRSP\uc758 \uc218\uc775\uc728\uc744 \uc8fc\uae30\uc801\uc73c\ub85c \ud655\uc778\ud560 \uac83.\u00a0<\/p>\n<p>RRSP\ub294 \uc7a5\uae30\uc801\uc73c\ub85c \ud22c\uc790\ub418\ub294 \uac83\uc774\ubbc0\ub85c, \uc218\uc775\uc728 1%\uc758 \ud6a8\uacfc\ub294 \uc608\uc0c1\ubcf4\ub2e4 \ud6e8\uc52c \ud06c\ub2e4. \ub2e4\ub978 \uae08\uc735\uae30\uad00\uc5d0 \ubcf4\ub2e4 \ub098\uc740 \uc218\uc775\uc728\uc774 \uae30\ub300\ub41c\ub2e4\uba74, RRSP\ub97c Transfer \ud560 \uc218 \uc788\ub2e4. \uc774\ub294 RRSP\uc758 \uc778\ucd9c\uc774 \uc544\ub2c8\ubbc0\ub85c, \uacfc\uc138\ub300\uc0c1\uc774 \ub418\uc9c0 \uc54a\uc73c\uba70 \ub530\ub77c\uc11c \uc6d0\ucc9c\uc9d5\uc218\uc138\ub3c4 \ucc28\uac10\ub418\uc9c0 \uc54a\uac8c \ub41c\ub2e4.<\/p>\n<p><strong>Spousal RRSP<br \/><\/strong>Spousal RRSP\ub780 \ubcf8\uc778\uc758 RRSP \ud55c\ub3c4\ub97c \uc0ac\uc6a9\ud558\uc5ec \ubc30\uc6b0\uc790\uc758 \uba85\uc758\ub85c Plan\uc744 \uad6c\uc785\ud574 \uc8fc\ub294 \uacbd\uc6b0\ub97c \ub9d0\ud55c\ub2e4. \uace0\uc18c\ub4dd\uc790\uc758 \uacbd\uc6b0, Spousal RRSP \uad6c\uc785\uc2dc \ubcf8\uc778\uc774 \uc18c\ub4dd\uacf5\uc81c\ub97c \ubc1b\uac8c \ub418\uba70, \ubc30\uc6b0\uc790\ub294 \uc774 \ud50c\ub79c\uc744 \uad6c\uc785 \ud6c4 2\ub144\uc774\uc0c1 \ubcf4\uc720\ud55c \ud6c4 \uc5d0 \uc778\ucd9c\ud558\uba74 \uadf8 \uae08\uc561\uc740 \ubc30\uc6b0\uc790\uc758 \uc18c\ub4dd\uc73c\ub85c \uac04\uc8fc\ub418\ubbc0\ub85c \uc138\uc728\uc0c1\uc758 \ud61c\ud0dd\uc744 \ubcfc \uc218 \uc788\ub2e4.<\/p>\n<p><strong>RRSP\ub294 \uc5b4\ub5a4 \uc0c1\ud488\uc73c\ub85c \uad6c\uc785\ud574\uc57c \ud558\ub098?<br \/><\/strong>\uc2dc\uc911 \uae08\uc735\uae30\uad00\uc774\ub098 \ud22c\uc790\ud68c\uc0ac\uc5d0\ub294 \uc815\uae30\uc608\uae08 (GIC) \ub098 \uc8fc\uc2dd, \ub610\ub294 \ucc44\uad8c\uc5d0 \ud22c\uc790 (Mutual Fund) \ud558\ub294 \uc5ec\ub7ec \uc0c1\ud488\ub4e4\uc774 \ub098\uc640 \uc788\ub2e4. \uc815\uae30\uc608\uae08\uc740 \uc548\uc815\uc801\uc774\uc9c0\ub9cc, \uc218\uc775\ub960\uc774 \ub0ae\uc740 \ubc18\uba74, Mutual Fund\uc758 \uacbd\uc6b0 \uae30\ub300\uc218\uc775\ub960\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \ub192\uc73c\ub098 \uc6d0\uae08 \uc190\uc2e4\uc758 \uc704\ud5d8\uc774 \ub530\ub978\ub2e4. \ub610 \ud55c\uac00\uc9c0 \uc5fc\ub450\ud574\uc57c \ud560 \uc810\uc740 Mutual Fund \uc0c1\ud488\uc5d0\uc11c \uc190\uc2e4\uc774 \ubc1c\uc0dd\ud588\uc744 \uacbd\uc6b0 \uc18c\ub4dd\ubcf4\uace0\uc2dc \uc190\uc2e4\ub85c \ubcf4\uace0\ud560 \uc218 \uc5c6\uc73c\uba70, \ub610\ud55c \uc774\uc775\uc774 \ubc1c\uc0dd\ud558\ub354\ub77c\ub3c4 \uc591\ub3c4\ucc28\uc775\uc73c\ub85c \uacc4\uc0b0\ub418\uc9c0 \uc54a\uc73c\ubbc0\ub85c \uc778\ucd9c\uc2dc 100% \uacfc\uc138\ub300\uc0c1\uc774\ub2e4. (\uc591\ub3c4\uc18c\ub4dd\uc740 \uc77c\ubc18\uc801\uc73c\ub85c 50% \uacfc\uc138 \ub300\uc0c1\uc774\ub2e4.)<\/p>\n<p><strong>RRSP vs. TFSA (tax free saving account)?<br \/><\/strong>RRSP\uc640 TFSA\ub97c \ud63c\ub3d9\ud558\ub294 \uc0ac\ub78c\ub4e4\uc774 \ub9ce\uc774 \uc788\ub2e4. \uc774 \ub458\uc758 \uac00\uc7a5 \ud070 \ucc28\uc774\uc810\uc740 Tax deductibility\ub77c\uace0 \ud560 \uc218 \uc788\uaca0\ub2e4. \ud55c\ub3c4\uc548\uc5d0\uc11c \uad6c\uc785\ud55c RRSP\ub294 \ub2f9\ud574 \ub144\ub3c4\uc5d0 \uc18c\ub4dd\uacf5\uc81c\uac00 \ub418\uc9c0\ub9cc TFSA\ub85c \ub0a9\uc785\ud55c \ub3c8\uc740 \uc18c\ub4dd\uacf5\uc81c\uac00 \ub418\uc9c0 \uc54a\ub294\ub2e4. \ud558\uc9c0\ub9cc TFSA\uc5d0\uc11c \uc5bb\uc5b4\uc9c4 \uc774\uc790\/\ud22c\uc790\uc218\uc775\uc740 \ud3c9\uc0dd \ube44\uacfc\uc138(Tax Fee)\uc774\uc9c0\ub9cc RRSP\uc548\uc5d0\uc11c \ubc1c\uc0dd\ud55c \uc774\uc790\/\ud22c\uc790\uc218\uc775 \uac19\uc740 \uacbd\uc6b0\uc5d0\ub294 \uacc4\uc88c\uc5d0\uc11c \ub3c8\uc744 \uc778\ucd9c\ud560 \ub54c \uacfc\uc138\ub300\uc0c1\uc774 \ub41c\ub2e4.<\/p>\n<p>RRSP\uc640 TFSA\ub294 \uc815\ubd80\uc5d0\uc11c \uc81c\uacf5\ud558\uace0 \uc788\ub294 \uac00\uc7a5 \uc88b\uc740 \uc808\uc138 \ud504\ub85c\uadf8\ub7a8\uc774\ub77c\uace0 \ud560 \uc218 \uc788\ub2e4. 3\uc6d4 1\uc77c\uc774 \ub418\uae30 \uc804\uc5d0 \uc804\ubb38\uac00\uc640 \uc0c1\uc758\ub97c \ud1b5\ud574 \ubcf8\uc778\uc5d0\uac8c \uac00\uc7a5 \uc801\ud569\ud55c \uc808\uc138\uacc4\ud68d\uc744 \uc138\uc6cc\uc11c \ubd88\ud544\uc694\ud55c \uc138\uae08\uc744 \uc904\uc5ec\ubcf4\ub294 \uac83\uc774 \uc5b4\ub5a8\uae4c?<\/p>\n<p>&nbsp;<\/p>\n<p>\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. (This material is general in nature and should not be relied upon to replace the requirement for specific professional advice.)<\/p>\n<p>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; parallax__hover=&#8221;off&#8221; parallax_method__hover=&#8221;on&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_sidebar area=&#8221;et_pb_widget_area_15&#8243; _builder_version=&#8221;4.6.5&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px|0px|0px|0px|false|false&#8221; custom_padding=&#8221;0px|0px|0px|0px|false|false&#8221; border_color_all=&#8221;rgba(0,0,0,0)&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_sidebar][\/et_pb_column][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Related Posts&#8221; _builder_version=&#8221;4.6.1&#8243; custom_padding=&#8221;0px||0px||false|false&#8221; 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