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TFSA\ub294 \ud22c\uc790 \uc218\uc775\uc5d0 \uc138\uae08\uc774 \ubd80\uacfc\ub418\uc9c0 \uc54a\ub294 \ub300\ud45c\uc801\uc778 \uc808\uc138 \uacc4\uc88c\ub85c \uc790\ub9ac \uc7a1\uc544 \uc654\ub2e4. \uadf8\ub7f0\ub370 \ucd5c\uadfc \ub4e4\uc5b4 CRA\ub294 TFSA \ub0b4\uc5d0\uc11c\uc758 \ube48\ubc88\ud55c \uac70\ub798\uc5d0 \ub300\ud574, \uadf8 \uc131\uaca9\uc5d0 \ub530\ub77c \uc138\uae08 \ud61c\ud0dd\uc744 \ubc30\uc81c\ud558\uac70\ub098 \uc2ec\uc9c0\uc5b4 \uc0ac\uc5c5\uc18c\ub4dd\uc73c\ub85c \uc7ac\ubd84\ub958\ud558\uace0 \uc788\ub2e4. \uc77c\ubc18 \ud22c\uc790\uc790 \uc785\uc7a5\uc5d0\uc11c\ub294 \ub2e4\uc18c \uc0dd\uc18c\ud558\uc9c0\ub9cc, \uc138\ubb34\uc0c1 \ub9ac\uc2a4\ud06c\ub85c \uc5f0\uacb0\ub420 \uc218 \uc788\ub294 \uc911\uc694\ud55c \uc774\uc288\uc774\ub2e4.<\/p>\n
<\/strong><\/p>\n TFSA\uc758 \ube44\uacfc\uc138 \ud61c\ud0dd, \uc608\uc678\uac00 \uc874\uc7ac\ud55c\ub2e4 \ud2b9\ud788 \ub2e4\uc74c\uacfc \uac19\uc740 \uc694\uc18c\ub4e4\uc774 \ud3ec\ud568\ub420 \uacbd\uc6b0 \ube44\uacfc\uc138 \ud61c\ud0dd\uc774 \uc778\uc815\ub418\uc9c0 \uc54a\uc744 \uc218 \uc788\ub2e4: <\/strong><\/p>\n \uc138\uae08 \ubb38\uc81c\ub85c \ubc88\uc9c4 TFSA \uac70\ub798 \uc0ac\ub840\ub4e4<\/strong> \uc5b4\ub5a4 \uac70\ub798\uac00 \u2018\uc0ac\uc5c5 \ud65c\ub3d9\u2019\uc73c\ub85c \uc624\ud574\ub420 \uc218 \uc788\uc744\uae4c?<\/p>\n \uc548\uc804\ud55c \ud22c\uc790\uc640 \uc704\ud5d8\ud55c \uac70\ub798\uc758 \uad6c\ubd84\uc740 \uba85\ud655\ud788 \uc120\uc744 \uae0b\uae30 \uc5b4\ub835\uc9c0\ub9cc, CRA\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \uc694\uc18c\ub4e4\uc744 \uc885\ud569\uc801\uc73c\ub85c \uace0\ub824\ud558\uc5ec \ud310\ub2e8\ud558\uace0 \uc788\ub2e4.<\/p>\n – \uc77c\uc8fc\uc77c\uc5d0 \uc218\uc2ed \uac74 \uc774\uc0c1 \ubc18\ubcf5\ub418\ub294 \ub9e4\ub9e4 \ubc18\uba74, \uc77c\ubc18\uc801\uc778 \uc7a5\uae30 \ud22c\uc790, \ubc30\ub2f9\uc8fc \ubcf4\uc720, \ubd84\uc0b0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub4f1\uc740 \uc138\ubb34\uc0c1 \ub17c\ub780\uc758 \uc18c\uc9c0\uac00 \uc801\uc740 \uac83\uc73c\ub85c \ud310\ub2e8\ub41c\ub2e4.<\/p>\n <\/strong><\/p>\n TFSA \uc218\uc775, \uacfc\uc138 \uc2dc \uc5bc\ub9c8\ub098 \ub2e4\ub97c\uae4c? <\/p>\n TFSA\ub97c \uc9c0\ud0a4\uae30 \uc704\ud55c \uac70\ub798 \uc804\ub7b5 \uc815\ube44\uac00 \ud544\uc694\ud558\ub2e4<\/strong> \ub610\ud55c \uac70\ub798 \uc131\ud5a5\uc774 \ubc14\ub00c\uac70\ub098 \uc218\uc775 \uad6c\uc870\uac00 \ub2ec\ub77c\uc84c\ub2e4\uba74, \ud68c\uacc4 \uc804\ubb38\uac00\uc640 \uc0c1\ub2f4\ud558\uc5ec \uc0ac\uc804 \ub300\uc751 \ubc29\uc548\uc744 \ub9c8\ub828\ud574\ub450\ub294 \uac83\ub3c4 \uc88b\uc740 \ubc29\ubc95\uc774\ub2e4.<\/p>\n \uc138\uae08 \ud61c\ud0dd\uc740 \u2018\uad8c\ub9ac\u2019\uac00 \uc544\ub2c8\ub77c \u2018\uc870\uac74\ubd80 \ud61c\ud0dd\u2019\uc77c \uc218 \uc788\ub2e4. \uc870\uc6a9\ud788 \uc2dc\uc791\ub41c CRA\uc758 TFSA \uad00\ub828 \uac80\ud1a0\ub294 \uc774\uc81c \ub354 \uc774\uc0c1 \uc77c\ubd80 \ud2b8\ub808\uc774\ub354\ub9cc\uc758 \uc774\uc57c\uae30\uac00 \uc544\ub2c8\ub2e4.<\/p>\n <\/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. (This material is general in nature and should not be relied upon to replace the requirement for specific professional advice.)<\/em><\/p>\n [\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” parallax__hover=”off” parallax_method__hover=”on” custom_padding__hover=”|||”][et_pb_sidebar area=”et_pb_widget_area_15″ _builder_version=”4.16″ _module_preset=”default” custom_margin=”0px|0px|0px|0px|false|false” custom_padding=”0px|0px|0px|0px|false|false” border_color_all=”rgba(0,0,0,0)” global_colors_info=”{}”][\/et_pb_sidebar][\/et_pb_column][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Related Posts” _builder_version=”4.16″ custom_padding=”0px||0px||false|false” custom_width_px__hover=”1080px” custom_width_px__hover_enabled=”1080px” custom_width_percent__hover=”80%” custom_width_percent__hover_enabled=”80%” locked=”off” global_colors_info=”{}” gutter_width__hover=”3″ 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meta_date=”Y-m-d H:m:s” show_thumbnail=”off” excerpt_length=”110″ show_author=”off” show_categories=”off” show_pagination=”off” module_id=”more-list” _builder_version=”4.16″ _module_preset=”default” header_font_size=”20px” body_font_size=”15px” body_line_height=”1.5em” meta_font_size=”12px” meta_line_height=”1em” custom_margin=”||||false|false” custom_padding=”||||false|false” global_colors_info=”{}”][\/et_pb_blog][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_sidebar area=”et_pb_widget_area_16″ _builder_version=”4.16″ _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” global_colors_info=”{}”][\/et_pb_sidebar][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" TFSA\ub294 \ud22c\uc790 \uc218\uc775\uc5d0 \uc138\uae08\uc774 \ubd80\uacfc\ub418\uc9c0 \uc54a\ub294 \ub300\ud45c\uc801\uc778 \uc808\uc138 \uacc4\uc88c\ub85c \uc790\ub9ac \uc7a1\uc544 \uc654\ub2e4. \uadf8\ub7f0\ub370 \ucd5c\uadfc \ub4e4\uc5b4 CRA\ub294 TFSA \ub0b4\uc5d0\uc11c\uc758 \ube48\ubc88\ud55c \uac70\ub798\uc5d0 \ub300\ud574, \uadf8 \uc131\uaca9\uc5d0 \ub530\ub77c \uc138\uae08 \ud61c\ud0dd\uc744 \ubc30\uc81c\ud558\uac70\ub098 \uc2ec\uc9c0\uc5b4 \uc0ac\uc5c5\uc18c\ub4dd\uc73c\ub85c \uc7ac\ubd84\ub958\ud558\uace0 \uc788\ub2e4. \uc77c\ubc18 \ud22c\uc790\uc790 \uc785\uc7a5\uc5d0\uc11c\ub294 \ub2e4\uc18c \uc0dd\uc18c\ud558\uc9c0\ub9cc, \uc138\ubb34\uc0c1 \ub9ac\uc2a4\ud06c\ub85c \uc5f0\uacb0\ub420 \uc218 \uc788\ub294 \uc911\uc694\ud55c \uc774\uc288\uc774\ub2e4. TFSA\uc758 \ube44\uacfc\uc138 \ud61c\ud0dd, \uc608\uc678\uac00 \uc874\uc7ac\ud55c\ub2e4\uc6d0\uce59\uc801\uc73c\ub85c TFSA \ub0b4\uc5d0\uc11c \ubc1c\uc0dd\ud55c \uc774\uc790, \ubc30\ub2f9, \uc790\ubcf8 \uc774\ub4dd(capital […]<\/p>\n","protected":false},"author":7,"featured_media":71359,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[5,62],"tags":[99],"class_list":["post-87013","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-society","category-lee-jung","tag-news_letter"],"_links":{"self":[{"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/posts\/87013","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\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=87013"}],"version-history":[{"count":3,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/posts\/87013\/revisions"}],"predecessor-version":[{"id":87021,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/posts\/87013\/revisions\/87021"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/media\/71359"}],"wp:attachment":[{"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=87013"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=87013"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=87013"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
<\/strong>\uc6d0\uce59\uc801\uc73c\ub85c TFSA \ub0b4\uc5d0\uc11c \ubc1c\uc0dd\ud55c \uc774\uc790, \ubc30\ub2f9, \uc790\ubcf8 \uc774\ub4dd(capital gains)\uc740 \ubaa8\ub450 \ube44\uacfc\uc138\uc774\ub2e4. \uadf8\ub7ec\ub098 \uc774\ub294 \ud574\ub2f9 \uac70\ub798\uac00 \ud22c\uc790 \ubaa9\uc801\uc73c\ub85c\uc11c\uc758 \u2018\uc790\uc5f0\uc2a4\ub7ec\uc6b4 \ubc94\uc704\u2019 \uc548\uc5d0 \uc788\uc744 \ub54c\uc758 \uc774\uc57c\uae30\uc774\ub2e4. CRA\ub294 \uc77c\uc815 \uc218\uc900 \uc774\uc0c1\uc758 \uac70\ub798\uc5d0 \ub300\ud574, \ud574\ub2f9 \ud589\uc704\uac00 \u201c\uc0ac\uc5c5 \ud65c\ub3d9(business activity)\u201d\uc5d0 \ud574\ub2f9\ud55c\ub2e4\uace0 \ud310\ub2e8\ud558\uace0 \uc788\ub2e4. \uc0ac\uc5c5\ud65c\ub3d9\uc73c\ub85c \uc778\uc815\uc774 \ub420 \uacbd\uc6b0 \uc138\uae08\uc774 \ubd80\ub2f4\ub420 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uac70\ub798\uc5d0 \ub300\ud55c \uc218\uc775\ub3c4 \uc591\ub3c4\uc18c\ub4dd\uc774 \uc544\ub2cc \uc0ac\uc5c5\uc18c\ub4dd\uc73c\ub85c \ubd84\ub958\uac00 \ub418\uae30 \ub54c\ubb38\uc5d0 \uc77c\ubc18\uc801\uc778 \ud22c\uc790 \uc591\ub3c4 \uc18c\ub4dd\uc758 \uacbd\uc6b0 50%\ub9cc \uacfc\uc138\ub300\uc0c1\uc774\uc9c0\ub9cc \uc774 \uacbd\uc6b0 \uc218\uc775\uc758 100% \uac00 \uacfc\uc138 \ub300\uc0c1\uc774\ub2e4.<\/p>\n
– \uac70\ub798\uc758 \ube48\ub3c4\uc640 \ubc18\ubcf5\uc131
– \uc790\uc0b0 \ubcf4\uc720 \uae30\uac04\uc774 \ub9e4\uc6b0 \uc9e7\uc740 \uacbd\uc6b0
– \ub808\ubc84\ub9ac\uc9c0 \ud65c\uc6a9 \uc5ec\ubd80
– \ud22c\uc790\ub85c\ubd80\ud130 \ubc1c\uc0dd\ud55c \uc218\uc775\uc758 \uaddc\ubaa8
– \ud2b8\ub808\uc774\ub529\uc774 \uc0ac\uc2e4\uc0c1 \uc8fc \uc218\uc785\uc6d0\uc774 \ub418\ub294 \uacbd\uc6b0<\/p>\n
Tax Court of Canada\ub294 \uba87\uba87 \ud310\ub840\uc5d0\uc11c \uc2e4\uc81c\ub85c TFSA \uc218\uc775\uc5d0 \uacfc\uc138\ub97c \uacb0\uc815\ud55c \ubc14 \uc788\ub2e4. \uc608\ucee8\ub300 \ud55c \ud22c\uc790\uc790\uac00 TFSA\uc5d0 \uc57d $15,000\ub97c \ub123\uace0 \ube48\ubc88\ud55c \uac70\ub798\ub97c \ud1b5\ud574 \uc218\uc2ed\ub9cc \ub2ec\ub7ec\ub85c \ubd88\ub9b0 \uc0ac\ub840\uc5d0\uc11c CRA\ub294 \ud574\ub2f9 \uacc4\uc88c\uc758 \uac70\ub798\ub97c \u201c\uc0ac\uc5c5 \ud65c\ub3d9\u201d\uc73c\ub85c \ubcf4\uace0, \ubc1c\uc0dd\ud55c \ubaa8\ub4e0 \uc218\uc775\uc5d0 \ub300\ud574 \uc18c\ub4dd\uc138 \uacfc\uc138\ub97c \uacb0\uc815\ud558\uc600\ub2e4. \uc774\uc640 \uac19\uc740 \uacb0\uc815\uc740 \uacc4\uc88c\uc758 \ube44\uacfc\uc138 \uc131\uaca9 \uc790\uccb4\ub97c \ubb34\ud6a8\ud654\uc2dc\ud0ac \uc218 \uc788\ub294 \uacb0\uacfc\ub85c \uc774\uc5b4\uc9c4\ub2e4.<\/p>\n
– \ub3d9\uc77c \uc885\ubaa9\uc758 \ucd08\ub2e8\uae30 \ub9e4\ub9e4 \ubc18\ubcf5
– \uc885\ud569 \uc18c\ub4dd \uc911 \uc0c1\ub2f9 \ube44\uc911\uc744 TFSA \uc218\uc775\uc774 \ucc28\uc9c0
– \ud2b8\ub808\uc774\ub529\uc744 \uc704\ud55c \ub3c4\uad6c, \uc54c\uace0\ub9ac\uc998, \ud639\uc740 \uace0\ub3c4\ud654\ub41c \ubd84\uc11d \ud65c\uc6a9<\/p>\n
<\/strong>\uc608\ub97c \ub4e4\uc5b4 TFSA \ub0b4\uc5d0\uc11c $60,000\uc758 \uc790\ubcf8\uc774\ub4dd\uc774 \ubc1c\uc0dd\ud588\ub2e4\uace0 \uac00\uc815\ud558\uc790. \ud574\ub2f9 \uc774\ub4dd\uc774 \ube44\uacfc\uc138\ub85c \uc778\uc815\ub420 \uacbd\uc6b0 \uc2e4\uc81c \uc138\uae08\uc740 0\uc6d0\uc774\uc9c0\ub9cc, \uc0ac\uc5c5 \uc18c\ub4dd\uc73c\ub85c \uac04\uc8fc\ub420 \uacbd\uc6b0 \uac1c\uc778\uc758 \ud55c\uacc4 \uc138\uc728(\uc608: 35%)\uc774 \uc801\uc6a9\ub418\uc5b4 \uc57d $21,000\uc758 \uc138\uae08\uc744 \ub0b4\uc57c \ud560 \uc218 \uc788\ub2e4.<\/p>\n
TFSA\ub294 \uc798\ub9cc \ud65c\uc6a9\ud558\uba74 \ub9e4\uc6b0 \ud6a8\uc728\uc801\uc778 \uc808\uc138 \uc218\ub2e8\uc774\uc9c0\ub9cc, CRA\uc758 \uad00\uc810\uc5d0\uc11c \uc0ac\uc5c5 \ud65c\ub3d9\uc73c\ub85c \uac04\uc8fc\ub420 \uc218 \uc788\ub294 \ud589\ub3d9\uc740 \ud53c\ud558\ub294 \uac83\uc774 \ubc14\ub78c\uc9c1\ud558\ub2e4. \ud2b8\ub808\uc774\ub529 \ube48\ub3c4\uac00 \ub192\ub2e4\uba74 \uc77c\ubd80 \uac70\ub798\ub97c \ube44\ub4f1\ub85d \uacc4\uc88c\ub85c \ubd84\ub9ac\ud558\uac70\ub098, TFSA\ub294 \uc7a5\uae30 \ubcf4\uc720 \uc911\uc2ec\uc758 \uc804\ub7b5\uc5d0 \uc9d1\uc911\ud558\ub294 \ud3b8\uc774 \uc138\ubb34 \ub9ac\uc2a4\ud06c\ub97c \uc904\uc77c \uc218 \uc788\ub2e4.<\/p>\n