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sticky_enabled=&#8221;0&#8243;]<\/p>\n<blockquote>\n<h3>\ub7ad\ub9ac\uc9c0\uc810 11\uc77c, \ucf54\ud034\ud2c0\ub78c \ubcf8\uc810 14\uc77c \ub300\ud615 \ucee8\ud37c\ub7f0\uc2a4\ub8f8<\/h3>\n<\/blockquote>\n<p>\uae00 | \uc774\uc9c0\uc740 \uae30\uc790<\/p>\n<p>\ud55c\uc778\uc2e0\ud611(\uc804\ubb34 \uc11d\uad11\uc775)\uc774 \uce90\ub098\ub2e4 \uc8fc\uc694 \uc800\ucd95 \uacc4\uc88c\uc778 RRSP, TFSA, FHSA\ub97c \uc8fc\uc81c\ub85c \ud55c \ud2b9\ubcc4 \uae08\uc735 \uc138\ubbf8\ub098\ub97c \uac1c\ucd5c\ud55c\ub2e4. \uc774\ubc88 \uc138\ubbf8\ub098\ub294 2\uc6d4 11\uc77c(\uc218) \uc624\uc804 11\uc2dc \ub7ad\ub9ac\uc9c0\uc810\uacfc 2\uc6d4 14\uc77c(\ud1a0) \uc624\uc804 11\uc2dc \ucf54\ud034\ud2c0\ub78c \ubcf8\uc810 \ub300\ud615 \ucee8\ud37c\ub7f0\uc2a4\ub8f8\uc5d0\uc11c \uc5f4\ub9b0\ub2e4.<br \/>\uc0ac\uc804 \ub4f1\ub85d\ud55c \uc870\ud569\uc6d0 \ub7ad\ub9ac\uc9c0\uc810 50\uba85, \ucf54\ud034\ud2c0\ub78c \ubcf8\uc810 80\uba85\uc774 \ucc38\uc11d\ud55c \uac00\uc6b4\ub370 \uc9c4\ud589\ud558\ub294 \uc774\ubc88 \uc138\ubbf8\ub098\uc5d0\uc11c \u201c\uc870\ud569\uc6d0\uc774 \uac01\uc790\uc758 \uc7ac\uc815 \ubaa9\ud45c\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \ub2ec\uc131\ud560 \uc218 \uc788\ub3c4\ub85d \uacc4\uc88c\ubcc4 \uc7a5\uc810\uacfc \ud65c\uc6a9 \uc804\ub7b5\uc744 \uc27d\uac8c \uc124\uba85\ud558\uace0, \uc9c8\uc758\uc751\ub2f5\uc744 \ud1b5\ud574 \ub9de\ucda4\ud615 \uc0c1\ub2f4\uc744 \uc81c\uacf5\ud560 \ubc29\uce68\u201d \uc774\ub77c\uace0 \ud588\ub2e4.<br \/>\uc138\ubbf8\ub098\uc5d0\uc11c\ub294 \uce90\ub098\ub2e4 \ub300\ud45c \uc808\uc138 \uc800\ucd95 \uc0c1\ud488\uc778 \ub2e4\uc74c 4\uac00\uc9c0 \uacc4\uc88c\uc5d0 \ub300\ud574 \uc9d1\uc911\uc801\uc73c\ub85c \ub2e4\ub8ec\ub2e4.<br \/>\u25b2RRSP(Registered Retirement Savings Plan, \uc740\ud1f4\uc800\ucd95): \ub178\ud6c4 \uc790\uae08\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \uc900\ube44\ud560 \uc218 \uc788\ub294 \ub300\ud45c\uc801\uc778 \uc740\ud1f4 \uacc4\uc88c\ub85c, \ubd88\uc785\uae08\uc5d0 \ub300\ud574 \uc138\uae08 \uacf5\uc81c \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\ub2e4.<br \/>\u25b2TFSA(Tax-Free Savings Account, \ube44\uacfc\uc138 \uc800\ucd95): \uacc4\uc88c \ub0b4 \ud22c\uc790 \uc218\uc775\uc5d0 \uc138\uae08\uc774 \ubd80\uacfc\ub418\uc9c0 \uc54a\uc73c\uba70, \uc778\ucd9c \uc2dc\uc5d0\ub3c4 \uc138\uae08 \ubd80\ub2f4\uc774 \uc5c6\ub294 \uac83\uc774 \ud2b9\uc9d5\uc774\ub2e4. \ud2b9\ud788 \uc138\uae08 \ud61c\ud0dd\uc744 \ub204\ub9b4 \uc218 \uc788\ub294 \uc7a5\uc810\uc774 \uc788\ub2e4.<br \/>\u25b2FHSA(First Home Savings Account, \uccab \uc9d1 \ub9c8\ub828 \uc800\ucd95): \uccab \uc8fc\ud0dd \uad6c\uc785\uc790\ub97c \uc704\ud55c \uacc4\uc88c\ub85c, \uc800\ucd95 \uc2dc \uc138\uae08 \uacf5\uc81c\uc640 \uc778\ucd9c \uc2dc \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \ub3d9\uc2dc\uc5d0 \ubc1b\uc744 \uc218 \uc788\ub294 \uc0c8\ub85c\uc6b4 \uc81c\ub3c4\ub2e4.<br \/>\u25b2\uc815\uae30\uc608\uae08(GIC)\uacfc \ubba4\ucd94\uc5bc \ud380\ub4dc: \uc548\uc815\uc131\uacfc \uc131\uc7a5\uc131\uc744 \uade0\ud615 \uc788\uac8c \uace0\ub824\ud55c \uc778\ucef4 \ud380\ub4dc \uc804\ub7b5\uc744 \uc18c\uac1c\ud55c\ub2e4.<br \/>\ud2b9\ud788 \uc774\ubc88 \uc138\ubbf8\ub098\uc5d0\uc11c\ub2941\ub144 \ub9cc\uae30 \uc815\uae30\uc608\uae08 3.60% \ud2b9\ubcc4 \uae08\ub9ac\ub85c \uc138\uae08, \uc800\ucd95, \ub0b4 \uc9d1 \uc900\ube44\uae4c\uc9c0 \ud55c\ubc88\uc5d0 \uc7a1\uc744 \uae30\ud68c\ub97c \uc81c\uacf5\ud55c\ub2e4. \ud55c\uc778\uc2e0\ud611 \uce21\uc740 \u201c2024\ub144\ub3c4 RRSP \uc138\uae08 \uacf5\uc81c \ud61c\ud0dd\uc744 \ubc1b\uae30 \uc704\ud574\uc11c\ub294 \uc624\ub294 3\uc6d4 2\uc77c\uae4c\uc9c0 RRSP \uacc4\uc88c\uc5d0 \ubd88\uc785\ud574\uc57c \ud558\uba70, 2025\ub144 TFSA \uc5f0\uac04 \ud55c\ub3c4\ub294 7,000\ub2ec\ub7ec\u201d\ub77c\uba70 \u201cFHSA \uc5ed\uc2dc \uacc4\uc88c \uac1c\uc124 \uc774\ud6c4 \ub9e4\ub144 \ud55c\ub3c4\uac00 \ub204\uc801\ub418\ubbc0\ub85c \ubcf8\uc778\uc758 \ud55c\ub3c4\ub97c \uc815\ud655\ud788 \uc54c\uace0 \uacc4\ud68d\uc801\uc73c\ub85c \uc900\ube44\ud558\ub294 \uac83\uc774 \uc911\uc694\ud558\ub2e4\u201d\uace0 \ud588\ub2e4.<br \/>\ud55c\uc778\uc2e0\ud611\uc740 \uc55e\uc73c\ub85c\ub3c4 \uc815\uae30\uc801\uc778 \uc138\ubbf8\ub098\ub97c \ud1b5\ud574 \uc62c\ubc14\ub978 \uae08\uc735 \uc815\ubcf4\ub97c \uc81c\uacf5\ud558\uace0, \ud55c\uc778 \uace0\uac1d\ub4e4\uc744 \uc704\ud55c \ub9de\ucda4\ud615 \uc7ac\uc815 \uad00\ub9ac \uc11c\ube44\uc2a4\ub97c \uc9c0\uc18d\uc801\uc73c\ub85c \ud655\ub300\ud574 \ub098\uac08 \uacc4\ud68d\uc774\ub2e4.<\/p>\n<p>[\/et_pb_text][et_pb_image src=&#8221;https:\/\/canadaexpress.com\/news\/wp-content\/uploads\/2026\/01\/B24-25-0129.jpg&#8221; title_text=&#8221;B24-25-0129&#8243; admin_label=&#8221;\ucd94\uac00\uc0ac\uc9c4 1&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_image admin_label=&#8221;\ucd94\uac00\uc0ac\uc9c4 2 &#8221; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_image admin_label=&#8221;\ucd94\uac00\uc0ac\uc9c4 3&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_image admin_label=&#8221;\ucd94\uac00\uc0ac\uc9c4 4&#8243; _builder_version=&#8221;4.27.2&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/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_3&#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]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ub7ad\ub9ac\uc9c0\uc810 11\uc77c, \ucf54\ud034\ud2c0\ub78c \ubcf8\uc810 14\uc77c \ub300\ud615 \ucee8\ud37c\ub7f0\uc2a4\ub8f8 \uae00 | \uc774\uc9c0\uc740 \uae30\uc790 \ud55c\uc778\uc2e0\ud611(\uc804\ubb34 \uc11d\uad11\uc775)\uc774 \uce90\ub098\ub2e4 \uc8fc\uc694 \uc800\ucd95 \uacc4\uc88c\uc778 RRSP, TFSA, FHSA\ub97c \uc8fc\uc81c\ub85c \ud55c \ud2b9\ubcc4 \uae08\uc735 \uc138\ubbf8\ub098\ub97c \uac1c\ucd5c\ud55c\ub2e4. \uc774\ubc88 \uc138\ubbf8\ub098\ub294 2\uc6d4 11\uc77c(\uc218) \uc624\uc804 11\uc2dc \ub7ad\ub9ac\uc9c0\uc810\uacfc 2\uc6d4 14\uc77c(\ud1a0) \uc624\uc804 11\uc2dc \ucf54\ud034\ud2c0\ub78c \ubcf8\uc810 \ub300\ud615 \ucee8\ud37c\ub7f0\uc2a4\ub8f8\uc5d0\uc11c \uc5f4\ub9b0\ub2e4.\uc0ac\uc804 \ub4f1\ub85d\ud55c \uc870\ud569\uc6d0 \ub7ad\ub9ac\uc9c0\uc810 50\uba85, \ucf54\ud034\ud2c0\ub78c \ubcf8\uc810 80\uba85\uc774 \ucc38\uc11d\ud55c \uac00\uc6b4\ub370 \uc9c4\ud589\ud558\ub294 \uc774\ubc88 \uc138\ubbf8\ub098\uc5d0\uc11c \u201c\uc870\ud569\uc6d0\uc774 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":91378,"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":[7,5],"tags":[99],"class_list":["post-91375","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economy2","category-society","tag-news_letter"],"_links":{"self":[{"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/posts\/91375","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=91375"}],"version-history":[{"count":8,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/posts\/91375\/revisions"}],"predecessor-version":[{"id":91484,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/posts\/91375\/revisions\/91484"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=\/wp\/v2\/media\/91378"}],"wp:attachment":[{"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=91375"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=91375"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/canadaexpress.com\/news\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=91375"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}