{"id":71377,"date":"2024-01-29T11:07:20","date_gmt":"2024-01-29T19:07:20","guid":{"rendered":"https:\/\/canadaexpress.com\/news\/?p=71377"},"modified":"2024-01-29T13:20:21","modified_gmt":"2024-01-29T21:20:21","slug":"71377","status":"publish","type":"post","link":"https:\/\/canadaexpress.com\/news\/?p=71377","title":{"rendered":"TFSA (\uba74\uc138\ud22c\uc790 \uacc4\uc88c) over Contribution\uc5d0 \ub300\ud55c \ubc8c\uae08"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#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;4.16&#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;4.16&#8243; 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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<header class=\"entry-header\" aria-label=\"Content\"><\/header>\n<div class=\"entry-content\" itemprop=\"text\">\n<p>\uc694\uc998 \ub4e4\uc5b4 \ubd80\uca4d TFSA\uc5d0 \ud55c\uc815\uc561\uc744 \ub118\uac8c \ubd88\uc785\ud55c \uae08\uc561\uc5d0 \ub300\ud55c \ubc8c\uae08\uc73c\ub85c \uc0c1\ub2f4\uc744 \uc694\uccad\ud558\ub294 \uc0ac\ub840\uac00 \ub298\uace0 \uc788\ub2e4. \ubb38\uc81c\ub294 \ud55c\ub3c4\uc561\uc744 \ucd08\uacfc\ud55c \uae08\uc561\uc5d0 \ub300\ud55c \ubc8c\uae08\uc740 \ub2f9\ud574\ub144\ub3c4\uc5d0 \ubc14\ub85c \uacc4\uc0b0\uc774 \ub418\uc5b4\uc11c \uc0b0\ucd9c\ub418\uc9c0 \uc54a\uace0 2\ub144\uc774\ub098 \ud639\uc740 3\ub144 \ud6c4\uc5d0 \uc9d5\uc218\uac00 \ub418\ubbc0\ub85c \uc791\uc740 \uae08\uc561\ub3c4 \ub9ce\uc740 \uae08\uc561\uc73c\ub85c \ub298\uc5b4\ub0a0\uc218 \uc788\ub2e4\ub294 \uac83\uc774\ub2e4. \ud22c\uc790 \uc804\uc5d0\ub294 \uaf2d \ud22c\uc790 \uc804\ubb34\uac00 \uadf8\ub9ac\uace0 \ud68c\uacc4\uc0ac\uc640 \uc0c1\uc758\ub97c \ud558\ub294\uac83\uc774 \ubc14\ub78c\uc9c1 \ud558\ub2e4.<\/p>\n<p><strong>\ubd88\uc785\ud55c\ub3c4\uc561<\/strong><\/p>\n<p>TFSA\uacc4\uc88c\uc5d0 \ubd88\uc785\uc744 \ud560\uc218 \uc788\ub294 \ud55c\ub3c4\ub294 TFSA contribution room\uc774\ub77c\uace0 \ubd88\ub9ac \uc6b4\ub2e4. \ub2f9\ud574\ub144\ub3c4\uc5d0 \ubd88\uc785\ub41c \uc804\uccb4\uae08\uc561\uc774 \ud55c\ub3c4\uc5d0 \ud3ec\ud568\uc774 \ub418\ub294\ub370 \uc778\ucd9c\ud588\ub2e4\uac00 \ub2e4\uc2dc \ubd88\uc785\ub41c \uae08\uc561\ub3c4 \ub2f9\ud574\ub144\ub3c4\uc5d0 \ud55c\ub3c4\uc561\uc744 \uc0ac\uc6a9\ud55c \uac83\uc73c\ub85c \uac04\uc8fc\ub418\uae30 \ub54c\ubb38\uc5d0 \uc870\uc2ec\ud574\uc57c \ud55c\ub2e4. \uadf8\ub9ac\uace0 RRSP (\uc740\ud1f4\uc800\ucd95)\uacfc\ub294 \ub2ec\ub9acearned income (\uadfc\ub85c\uc18c\ub4dd \ub4f1\ub4f1)\uc5d0 \uc758\ud574\uc11c \ud55c\ub3c4\uc561\uc774 \uc815\ud574\uc9c0\ub294 \uac83\uc774 \uc544\ub2c8\ub77c \uc815\ubd80\uc5d0\uc11c \uc77c\ubc29\uc801\uc73c\ub85c \ub9e4\ub144 \ud55c\ub3c4\uc561\uc744 \uc9c0\uc815\ud55c\ub2e4.<\/p>\n<p>2009\ub144\uc5d0 TFSA\uac00 \uc2dc\uc791\ub41c \uc774\ud6c4\ub85c \uc5f0 $5,000\uc73c\ub85c \uc2dc\uc791\ud55c \ud55c\ub3c4\uac00 \uc870\uae08\uc529 \ubcc0\uacbd\ub418\uc5c8\ub2e4. \uc5f0\ubcc4 \ub0a9\uc785 \ud55c\ub3c4\ub294 \ub2e4\uc74c\uacfc \uac19\ub2e4.<\/p>\n<table>\n<tbody>\n<tr>\n<td width=\"103\">\uc5f0\ub3c4<\/td>\n<td width=\"95\">\uc5f0\ubcc4\ud55c\ub3c4<\/td>\n<td width=\"114\">\ub204\uc801\ud55c\ub3c4<\/td>\n<\/tr>\n<tr>\n<td width=\"103\">2009-2012<\/td>\n<td width=\"95\">$5,000<\/td>\n<td width=\"114\">$20,000<\/td>\n<\/tr>\n<tr>\n<td width=\"103\">2013<\/td>\n<td width=\"95\">$5,500<\/td>\n<td width=\"114\">$25,500<\/td>\n<\/tr>\n<tr>\n<td width=\"103\">2014<\/td>\n<td width=\"95\">$5,500<\/td>\n<td width=\"114\">$31,000<\/td>\n<\/tr>\n<tr>\n<td width=\"103\">2015<\/td>\n<td width=\"95\">$10,000<\/td>\n<td width=\"114\">$41,000<\/td>\n<\/tr>\n<tr>\n<td width=\"103\">2016-2018<\/td>\n<td width=\"95\">$5,500<\/td>\n<td width=\"114\">$57,500<\/td>\n<\/tr>\n<tr>\n<td width=\"103\">2019<\/td>\n<td width=\"95\">$6,000<\/td>\n<td width=\"114\">$63,500<\/td>\n<\/tr>\n<tr>\n<td width=\"103\">2020<\/td>\n<td width=\"95\">$6,000<\/td>\n<td width=\"114\">$69,500<\/td>\n<\/tr>\n<tr>\n<td width=\"103\">2021<\/td>\n<td width=\"95\">$6,000<\/td>\n<td width=\"114\">$75,500<\/td>\n<\/tr>\n<tr>\n<td width=\"103\">2022<\/td>\n<td width=\"95\">$6,000<\/td>\n<td width=\"114\">$81,500<\/td>\n<\/tr>\n<tr>\n<td width=\"103\">2023<\/td>\n<td width=\"95\">$6,500<\/td>\n<td width=\"114\">$88,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>\uc608: \uc774\uc815 \uc528\ub294 2022\ub144\ub3c4 1\uc6d4\uc5d0 \ucc98\uc74c\uc73c\ub85c TFSA \uad6c\uc88c\ub97c \uc5f4\uac8c \ub41c\ub2e4. \uadf8\ub798\uc11c \uc774\uc815\uc528\uc758 \ucd1d \ud55c\ub3c4\uc561\uc778 $88,000 (\uc704\uc758 \ud45c \ucc38\uc870)\uc744 \uc785\uae08\ud55c \ud6c4 \uc774\uc5d0 \ub300\ud574 \ud55c\ud574\ub3d9\uc548 $5,000\uc758 \uc218\uc775\uc774 \ubc1c\uc0dd\ud558\uac8c \ub41c\ub2e4. \uadf8 \uacb0\uacfc \uc774\uc815\uc528\uc758 TFSA \uacc4\uc88c\uc5d0\ub294 \ucd1d $93,000\uc758 \uae08\uc561\uc774 \uc608\uce58\ub418\uc5b4 \uc788\ub2e4. \uc774\uc815\uc528\ub294 \ubc1c\uc0dd\ud55c \uc218\uc775 $5,000 \ub610\ud55c \ubd88\uc785\ud55c\ub3c4\ub97c \uc0ac\uc6a9\ud55c \uac83\uc73c\ub85c \uc54c\uace0 \ub2e4\uc74c\ud574\uc778 2023\ub144\ub3c4\uc5d0 \ucd94\uac00\ub85c \ubd88\uc785\ud560 \uc218 \uc788\ub294 \uae08\uc561\uc774 $1,500($6,500 \u2013 $5,000) \ubfd0\uc774\ub77c\uace0 \uc0dd\uac01\ud558\uc600\ub2e4. \ud558\uc9c0\ub9cc \ubd88\uc785 \ud55c\ub3c4\uc561\uc740 TFSA\uc548\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \uc190\uc775\uc758 \uc601\ud5a5\uc744 \ubc1b\uc9c0 \uc54a\ub294\ub2e4. \uc804\ub144\ub3c4\uc5d0 \uc5bc\ub9c8\uc758 \uc190\uc775\uc774 \ubc1c\uc0dd\ud588\ub294\uc9c0\uc640\ub294 \uc0c1\uad00\uc5c6\uc774 \uc774\uc815\uc528\ub294 2023\ub144\ub3c4\uc5d0 $6,500\ub97c TFSA\ub85c \ucd94\uac00 \ub0a9\uc785 \ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\ud55c\ub3c4<span>\u00a0<\/span><\/strong><strong>\ucd08\uacfc\ub41c<span>\u00a0<\/span><\/strong><strong>\uae08\uc561\uc5d0<span>\u00a0<\/span><\/strong><strong>\ub300\ud55c<span>\u00a0<\/span><\/strong><strong>\ubc8c\uae08<\/strong><\/p>\n<p>\ubd88\uc785 \ud55c\ub3c4\uc561\uc744 \ucd08\uacfc\ud560 \uc2dc \ucd08\uacfc\ud55c \uae08\uc561\uc758 1%\uac00 \ud398\ub110\ud2f0\ub85c \ub9e4\uc6d4 \uc9d5\uc218\ub41c\ub2e4. \ucd08\uacfc \uae08\uc561\uc744 \uc778\ucd9c\ud558\uc5ec \ud55c\ub3c4\ub97c \ub118\uc9c0 \uc54a\uac8c \ub9cc\ub4e4\uac70\ub098, \ud574\uac00 \ubc14\ub00c\uc5b4 \ucd94\uac00 \ud55c\ub3c4\uc561\uc774 \uc0dd\uaca8\uc11c \ub354 \uc774\uc0c1 \ucd08\uacfc\ud55c \uc0c1\ud0dc\uac00 \uc544\ub2c8\uac8c \ub420 \ub54c\uae4c\uc9c0 \ub9e4\uc6d4 \ubd80\uacfc\ub41c\ub2e4. RRSP\uc758 \uacbd\uc6b0\uc5d0\ub294 $2,000\uc758 \ucd08\uacfc\uae08\uc561\uae4c\uc9c0\ub294 \ubc8c\uae08\uc774 \uc9d5\uc218\uac00 \ub418\uc9c0 \uc54a\uc9c0\ub9cc TFSA\uc77c \uacbd\uc6b0\uc5d0\ub294 \uc774\uc640 \uac19\uc740 \ucd08\uacfc \uac00\ub2a5 \uae08\uc561\uc774 \uc5c6\ub2e4.<\/p>\n<p>&nbsp;<\/p>\n<p>\uc608: \uc774\uc815 \uc528\ub294 2009\ub144\ub3c4\ubd80\ud130 \ud604\uc7ac\uae4c\uc9c0 \ub9e4\ub144 \ud55c\ub3c4\uc561\uc744 \ucc44\uc6cc TFSA \uacc4\uc88c\uc5d0 \uc785\uae08\ud558\uc600\uace0 2023\ub144\ub3c4\uc5d0\ub9cc \ud55c\ub3c4\uc561\uc5d0 \uc870\uae08 \ubabb \ubbf8\uce58\ub294 $4,000\ub9cc \ubd88\uc785\ud558\uc600\ub2e4.<\/p>\n<p>2023\ub144\ub3c4 \ucd08\uc5d0 $4,000\uc744 \ubd88\uc785\ud55c \ud6c4 \ud558\ubc18\uae30\uc778 10\uc6d4\uc5d0 \uc5ec\uc720\uc790\uae08\uc774 \uc0dd\uaca8\uc11c \uc774\ubbf8 \ubd88\uc785\ud55c \uae08\uc561\uc5d0 \ub300\ud574\uc11c \uae4c\ub9e3\uac8c \uc78a\uc740\ucc44\ub85c 2023\ub144 \ucd1d \ubd88\uc785 \uac00\ub2a5 \uae08\uc561\uc778 $6,500\uc744 \ucd94\uac00\ub85c \ubd88\uc785\ud558\uc600\ub2e4. \uc774 \uacbd\uc6b0\uc5d0\ub294 \ucd1d ($4,000 + $6,500) \u2013 $6,500 = $4,000\uc758 \ucd08\uacfc \uae08\uc561\uc774 \ubc1c\uc0dd\ub41c\ub2e4. \ucd08\uacfc\uae08\uc561\uc5d0 \ub300\ud55c \ubc8c\uae08\uc740 \ub2e4\uc74c\uacfc \uac19\uc774 \uacc4\uc0b0\ub41c\ub2e4.<\/p>\n<p>$4,000 x 1% x 3 month = $120.00<\/p>\n<p>&nbsp;<\/p>\n<p>\uc704 \uae08\uc561\uc740 \ucd08\uacfc\ub41c \uae08\uc561\uc758 1% \ud50c\ub7ec\uc2a4 \ucd1d \ucd08\uacfc\ub41c \uae08\uc561\uc744 \uc18c\uc720\ud558\uace0 \uc788\uc5c8\ub358 \uae30\uac04\uc5d0 \uc758\ud574 \uacc4\uc0b0 \ub418\uc5c8\ub2e4.<\/p>\n<p>\ub610\ud55c \uc774\uc815 \uc528\uac00 \ubcf8\uc778\uc758 \ucd08\uacfc \ub0a9\uc785 \uc0ac\uc2e4\uc744 \uba70\uce60 \ud6c4 \ubc14\ub85c \uc54c\uc544\ucc44\uace0 10\uc6d4\ub9d0\uc774 \ub418\uae30 \uc804\uc5d0 \ucd08\uacfc\ub41c \uae08\uc561\uc744 \ub2e4\uc2dc \uc778\ucd9c\ud55c \uacbd\uc6b0\ub77c\ub3c4 10\uc6d4\uc758 \ucd08\uacfc \uae08\uc561\uc774 $4,000\uc778 \uac83\uc740 \ubcc0\ud568\uc774 \uc5c6\ub2e4. \uadf8\ub7ec\ubbc0\ub85c \u00a0$40\uc758 \ubc8c\uae08\uc744 \ub0a9\ubd80\ud574\uc57c \ud55c\ub2e4 ($4,000 X 1% X 1 month).<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\ucd08\uacfc\ub41c<span>\u00a0<\/span><\/strong><strong>\uae08\uc561\uc758<span>\u00a0<\/span><\/strong><strong>\ubc8c\uae08<span>\u00a0<\/span><\/strong><strong>\uadf8\ub9ac\uace0<span>\u00a0<\/span><\/strong><strong>\uacc4\uc0b0\uc744<span>\u00a0<\/span><\/strong><strong>\ubcf4\uace0\ud558\ub294<span>\u00a0<\/span><\/strong><strong>\uc591\uc2dd<\/strong><\/p>\n<p>\ucd08\uacfc\ub41c \uae08\uc561\uc758 \ubc8c\uae08\uc744 \ubcf4\uace0\ud558\ub294 \uc591\uc2dd\uc778 Form RC243, Tax-Free Savings Account (TFS) Return \uadf8\ub9ac\uace0 Form RC243-SCH-A Schedule A \u2013 Excess TFSA Amounts\ub97c \ub2e4\uc74c\ud574 6\uc6d4 30\uc77c\uae4c\uc9c0 \uc791\uc131 \ubc0f \uc81c\ucd9c\ud574\uc57c \ud55c\ub2e4.<\/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<\/div>\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;4.16&#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;4.16&#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;4.16&#8243; custom_padding=&#8221;0px||0px||false|false&#8221; 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