{"id":99098,"date":"2026-07-30T10:33:05","date_gmt":"2026-07-30T17:33:05","guid":{"rendered":"https:\/\/canadaexpress.com\/news\/?p=99098"},"modified":"2026-07-30T13:07:32","modified_gmt":"2026-07-30T20:07:32","slug":"%ec%9d%b4%ec%a0%95-%ed%9a%8c%ea%b3%84%ec%bb%ac%eb%9f%bc-tfsa-over-contribution-%ec%83%9d%ea%b0%81%eb%b3%b4%eb%8b%a4-%ed%9d%94%ed%95%9c-%ec%8b%a4%ec%88%98%ec%99%80-%eb%8c%80%ec%b2%98-%eb%b0%a9","status":"publish","type":"post","link":"https:\/\/canadaexpress.com\/news\/?p=99098","title":{"rendered":"[LeeJung \ud68c\uacc4\uceec\ub7fc] TFSA Over-Contribution, \uc0dd\uac01\ubcf4\ub2e4 \ud754\ud55c \uc2e4\uc218\uc640 \ub300\ucc98 \ubc29\ubc95"},"content":{"rendered":"

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Tax-Free Savings Account(TFSA)\ub294 \uce90\ub098\ub2e4\uc5d0\uc11c \uac00\uc7a5 \ud65c\uc6a9\ub3c4\uac00 \ub192\uc740 \uc808\uc138 \uacc4\uc88c \uc911 \ud558\ub098\uc774\ub2e4. \ud22c\uc790\uc218\uc775\uacfc \uc774\uc790, \ubc30\ub2f9, \uc591\ub3c4\ucc28\uc775\uc774 \ubaa8\ub450 \ube44\uacfc\uc138\uc774\uae30 \ub54c\ubb38\uc5d0 \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \uc801\uadf9\uc801\uc73c\ub85c \ud65c\uc6a9\ud558\uace0 \uc788\ub2e4. \ud558\uc9c0\ub9cc \ucd5c\uadfc \ub4e4\uc5b4 TFSA Over-Contribution(\ud55c\ub3c4 \ucd08\uacfc \ub0a9\uc785)\uc73c\ub85c \uc778\ud574 CRA\ub85c\ubd80\ud130 \ud398\ub110\ud2f0 \uace0\uc9c0\uc11c\ub97c \ubc1b\uace0 \uc0c1\ub2f4\uc744 \uc694\uccad\ud558\ub294 \uc0ac\ub840\uac00 \uc0c1\ub2f9\ud788 \ub298\uc5b4\ub098\uace0 \uc788\ub2e4.<\/p>\n

\ub300\ubd80\ubd84\uc740 \uace0\uc758\uac00 \uc544\ub2c8\ub77c \uaddc\uc815\uc744 \uc798\ubabb \uc774\ud574\ud574\uc11c \ubc1c\uc0dd\ud558\ub294 \uacbd\uc6b0\uc774\ub2e4. \uc774\ubc88 \uce7c\ub7fc\uc5d0\uc11c\ub294 TFSA \ucd08\uacfc \ub0a9\uc785\uc774 \uc65c \ubc1c\uc0dd\ud558\ub294\uc9c0, \ud398\ub110\ud2f0\ub294 \uc5bc\ub9c8\ub098 \ub418\ub294\uc9c0, \ubb38\uc81c\uac00 \uc0dd\uacbc\uc744 \ub54c \uc5b4\ub5bb\uac8c \ub300\uc751\ud574\uc57c \ud558\ub294\uc9c0, \uadf8\ub9ac\uace0 \ubbf8\ub9ac \uc608\ubc29\ud558\ub294 \ubc29\ubc95\uae4c\uc9c0 \uc0b4\ud3b4\ubcf4\uace0\uc790 \ud55c\ub2e4.<\/p>\n

TFSA Over-Contribution<\/strong>\uc774\ub780<\/strong>?<\/strong><\/h2>\n

TFSA\uc5d0\ub294 \ub9e4\ub144 \uc815\ubd80\uac00 \uc815\ud55c Contribution Room (\ub0a9\uc785 \uac00\ub2a5 \ud55c\ub3c4)\uc774 \uc788\ub2e4. \uc774 \ud55c\ub3c4\ub97c \ucd08\uacfc\ud558\uc5ec \uc785\uae08\ud558\ub294 \uc21c\uac04 \ucd08\uacfc \ub0a9\uc785(Over-Contribution)\uc774 \ubc1c\uc0dd\ud55c\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc62c\ud574 \ubcf8\uc778\uc758 \ub0a8\uc740 TFSA \ud55c\ub3c4\uac00 $8,000\uc778\ub370 \uc2e4\uc218\ub85c $13,000\uc744 \uc785\uae08\ud588\ub2e4\uba74 $5,000\uc774 \ucd08\uacfc \ub0a9\uc785\uc774 \ub41c\ub2e4. \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \u201c\uc870\uae08 \ub118\uc73c\uba74 \uad1c\ucc2e\uaca0\uc9c0\u201d\ub77c\uace0 \uc0dd\uac01\ud558\uc9c0\ub9cc CRA\ub294 \ucd08\uacfc\ub41c \uae08\uc561\uc5d0 \ub300\ud574 \ub9e4\uc6d4 \ud398\ub110\ud2f0\ub97c \ubd80\uacfc\ud55c\ub2e4.<\/p>\n

\uac00\uc7a5 \ud754\ud558\uac8c \ubc1c\uc0dd\ud558\ub294 \uc2e4\uc218\ub4e4<\/strong><\/h1>\n

1. \uc778\ucd9c\ud558\uba74 \ubc14\ub85c \ub2e4\uc2dc \ub123\uc744 \uc218 \uc788\ub2e4\uace0 \uc0dd\uac01\ud558\ub294 \uacbd\uc6b0<\/h3>\n

\uac00\uc7a5 \ud754\ud55c \uc2e4\uc218\uc774\ub2e4. \uc608\ub97c \ub4e4\uc5b4<\/p>\n

    \n
  • TFSA\uc5d0\uc11c 6\uc6d4\uc5d0 $20,000\uc744 \uc778\ucd9c<\/li>\n
  • \uac19\uc740 \ud574 9\uc6d4\uc5d0 \ub2e4\uc2dc $20,000 \uc785\uae08<\/li>\n<\/ul>\n

    \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \u201c\ub0b4 \ub3c8\uc744 \ub2e4\uc2dc \ub123\uc740 \uac83\ubfd0\u201d\uc774\ub77c\uace0 \uc0dd\uac01\ud558\uc9c0\ub9cc \uc774\ub294 \ub300\ubd80\ubd84 Over-Contribution\uc774 \ub41c\ub2e4.<\/p>\n

    TFSA\uc5d0\uc11c \uc778\ucd9c\ud55c \uae08\uc561\uc740 \ub2e4\uc74c \ud574<\/strong> 1<\/strong>\uc6d4<\/strong> 1<\/strong>\uc77c\uc774 \ub418\uc5b4\uc57c<\/strong> Contribution Room<\/strong>\uc73c\ub85c \ub2e4\uc2dc \ub3cc\uc544\uc628\ub2e4<\/strong>.<\/strong> \uc989 \uc62c\ud574 \uc778\ucd9c\ud588\ub2e4\uace0 \uc62c\ud574 \ub2e4\uc2dc \ub123\uc744 \uc218 \uc788\ub294 \uac83\uc774 \uc544\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \ub0a8\uc740 \ud55c\ub3c4\uac00 \uc804\ud600 \uc5c6\ub294 \uc0ac\ub78c\uc774 \uc62c\ud574 $20,000\uc744 \uc778\ucd9c\ud588\ub2e4\uba74 \uc62c\ud574\ub294 \ub2e4\uc2dc \ub123\uc744 \uc218 \uc5c6\uace0 \ub0b4\ub144\ubd80\ud130 $20,000\uc758 \uc0c8\ub85c\uc6b4 room\uc774 \uc0dd\uae34\ub2e4.<\/p>\n

    2. \uc5ec\ub7ec \uae08\uc735\uae30\uad00\uc758 TFSA\ub97c \uc0ac\uc6a9\ud558\ub294 \uacbd\uc6b0<\/h3>\n

    \uc608\ub97c \ub4e4\uc5b4<\/p>\n

      \n
    • TD<\/li>\n
    • RBC<\/li>\n
    • Questrade<\/li>\n
    • Wealthsimple<\/li>\n<\/ul>\n

      \ub4f1 \uc5ec\ub7ec \uacf3\uc5d0 TFSA\ub97c \uac00\uc9c0\uace0 \uc788\ub2e4\uba74 \uac01 \uae08\uc735\uae30\uad00\uc740 \ub2e4\ub978 \uacc4\uc88c\uc758 \uc785\uae08 \ub0b4\uc5ed\uc744 \uc54c\uc9c0 \ubabb\ud55c\ub2e4. \ub530\ub77c\uc11c<\/p>\n

        \n
      • TD\uc5d0 $5,000<\/li>\n
      • RBC\uc5d0 $4,000<\/li>\n
      • Questrade\uc5d0 $3,000<\/li>\n<\/ul>\n

        \uc744 \ub123\ub354\ub77c\ub3c4 \uc544\ubb34\ub3c4 \ub9c9\uc544\uc8fc\uc9c0 \uc54a\ub294\ub2e4. \ud558\uc9c0\ub9cc CRA\ub294 \ubaa8\ub4e0 \uae08\uc735\uae30\uad00\uc73c\ub85c\ubd80\ud130 \uc5f0\ub9d0\uc5d0 \uc790\ub8cc\ub97c \ubc1b\uc544 \ud569\uc0b0\ud558\ubbc0\ub85c \uacb0\uad6d \ucd08\uacfc \ub0a9\uc785 \uc5ec\ubd80\ub97c \ud655\uc778\ud558\uac8c \ub41c\ub2e4.<\/p>\n

        3. TFSA Transfer\ub97c \uc798\ubabb\ud55c \uacbd\uc6b0<\/h3>\n

        RBC TFSA \u2192 TD TFSA\ub85c \uc62e\uae30\ub824\uace0 \ud55c\ub2e4\uace0 \uac00\uc815\ud574 \ubcf4\uc790. \uc815\uc2dd TFSA Transfer\ub97c \uc2e0\uccad\ud558\uc9c0 \uc54a\uace0 RBC\uc5d0\uc11c \ub3c8\uc744 \uc778\ucd9c\ud55c \ub4a4 \ubcf8\uc778 \uacc4\uc88c\ub97c \uac70\uccd0TD TFSA\uc5d0 \ub2e4\uc2dc \uc785\uae08\ud558\uba74 \ub300\ubd80\ubd84Contribution\uc73c\ub85c \ucc98\ub9ac\ub41c\ub2e4. \ubc18\uba74 \uae08\uc735\uae30\uad00\ub07c\ub9ac \uc9c1\uc811 \uc774\uc804\ud558\ub294 Direct Transfer\ub97c \uc774\uc6a9\ud558\uba74 Contribution\uc73c\ub85c \ubcf4\uc9c0 \uc54a\ub294\ub2e4. \ub2e8\uc21c\ud788 \uacc4\uc88c\ub97c \uc62e\uae30\ub294 \uac83\uc774\ub77c\uba74 \ubc18\ub4dc\uc2dc Direct Transfer\ub97c \uc774\uc6a9\ud558\ub294 \uac83\uc774 \uc548\uc804\ud558\ub2e4.<\/p>\n

        4. CRA My Account\uc758 \uc815\ubcf4\ub97c \ub108\ubb34 \ubbff\ub294 \uacbd\uc6b0<\/h3>\n

        \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 CRA My Account\uc5d0 \ud45c\uc2dc\ub418\ub294 TFSA Room\uc744 \uadf8\ub300\ub85c \ubbff\ub294\ub2e4.<\/p>\n

        \ud558\uc9c0\ub9cc CRA\ub3c4 \uc548\ub0b4\ud558\uace0 \uc788\ub4ef\uc774 \uc774 \uc815\ubcf4\ub294 \uc2e4\uc2dc\uac04\uc774 \uc544\ub2c8\ub2e4. \uae08\uc735\uae30\uad00\uc774 TFSA \uac70\ub798 \ub0b4\uc5ed\uc744 CRA\uc5d0 \ubcf4\uace0\ud558\ub294 \uc2dc\uae30\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \ub2e4\uc74c \ud574 \ucd08\uc774\uae30 \ub54c\ubb38\uc5d0 \uc62c\ud574 \ubc1c\uc0dd\ud55c \uc785\uae08\uc774\ub098 \uc778\ucd9c \ub0b4\uc5ed\uc740 \uc544\uc9c1 \ubc18\uc601\ub418\uc9c0 \uc54a\uc740 \uacbd\uc6b0\uac00 \ub9ce\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \uc62c\ud574 5\uc6d4\uc5d0 \uc774\ubbf8 $7,000\uc744 \uc785\uae08\ud588\ub294\ub370 CRA \ud654\uba74\uc5d0\ub294 \uc544\uc9c1 \uadf8 \ub0b4\uc5ed\uc774 \ubc18\uc601\ub418\uc9c0 \uc54a\uc544 $7,000 room\uc774 \ub0a8\uc544 \uc788\ub294 \uac83\ucc98\ub7fc \ubcf4\uc77c \uc218\ub3c4 \uc788\ub2e4.<\/p>\n

        \uadf8 \uc815\ubcf4\ub97c \ubbff\uace0 \ub610 $7,000\uc744 \uc785\uae08\ud558\uba74 Over-Contribution\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\ub2e4. \ub530\ub77c\uc11c CRA My Account\ub294 \ucc38\uace0\uc790\ub8cc\uc77c \ubfd0\uc774\uba70, \ud604\uc7ac \uc5f0\ub3c4\uc758 \uc785\ucd9c\uae08\uc740 \ubcf8\uc778\uc774 \uc9c1\uc811 \uad00\ub9ac\ud558\ub294 \uac83\uc774 \uc911\uc694\ud558\ub2e4.<\/p>\n

        5. \ubc30\uc6b0\uc790\ub098 \ubd80\ubaa8\uac00 \ub300\uc2e0 \uc785\uae08\ud574\ub3c4 \ubb38\uc81c\uc5c6\ub2e4\uace0 \uc0dd\uac01\ud558\ub294 \uacbd\uc6b0<\/h3>\n

        \ub204\uac00 \ub3c8\uc744 \uc8fc\uc5c8\ub294\uc9c0\ub294 \uc911\uc694\ud558\uc9c0 \uc54a\ub2e4. \uc911\uc694\ud55c \uac83\uc740 \ub204\uad6c\uc758 TFSA\uc5d0 \uc5bc\ub9c8\uac00 \uc785\uae08\ub418\uc5c8\ub294\uc9c0\uc774\ub2e4. \ubc30\uc6b0\uc790\uac00 \ub300\uc2e0 \uc1a1\uae08\ud588\ub354\ub77c\ub3c4 \ubd80\ubaa8\uac00 \ub3c8\uc744 \ub123\uc5b4\uc8fc\uc5c8\ub354\ub77c\ub3c4 Contribution\uc740 TFSA \uba85\uc758\uc790\uc758 \ud55c\ub3c4\ub97c \uc0ac\uc6a9\ud558\uac8c \ub41c\ub2e4.<\/p>\n

        \ud398\ub110\ud2f0\ub294 \uc5bc\ub9c8\ub098 \ub420\uae4c?<\/h2>\n

        CRA\ub294 \ucd08\uacfc\ub41c \uae08\uc561 \uc911 \ub9e4\uc6d4 \uac00\uc7a5 \ub192\uc740 \ucd08\uacfc \uc794\uc561<\/strong>(Highest Excess Amount)<\/strong> \uc5d0 \ub300\ud574 \ub9e4\uc6d4<\/strong> 1% <\/strong>\uc758 \ud398\ub110\ud2f0\ub97c \ubd80\uacfc\ud55c\ub2e4. \uc608\ub97c \ub4e4\uc5b4 \ucd08\uacfc \uae08\uc561\uc774 $10,000\uc774\ub77c\uba74 \ub9e4\uc6d4 $100\uc758 \ud398\ub110\ud2f0\uac00 \ubc1c\uc0dd\ud55c\ub2e4. 6\uac1c\uc6d4 \ub3d9\uc548 \uadf8\ub300\ub85c \ub450\uc5c8\ub2e4\uba74 $600\uc758 \ud398\ub110\ud2f0\uac00 \ubc1c\uc0dd\ud55c\ub2e4. \uae08\uc561\uc774 \ud06c\uba74 \ubd80\ub2f4\ub3c4 \uc0c1\ub2f9\ud788 \ucee4\uc9c8 \uc218 \uc788\ub2e4.<\/p>\n

        CRA\ub294 \uc5b8\uc81c \uc54c\uac8c \ub420\uae4c?<\/h2>\n

        \ub9ce\uc740 \uc0ac\ub78c\ub4e4\uc774 \u201c\uba87 \ub2ec \uc9c0\ub0ac\ub294\ub370 \uc544\ubb34 \uc5f0\ub77d\uc774 \uc5c6\ub294\ub370?\u201d\ub77c\uace0 \uc0dd\uac01\ud55c\ub2e4. \ud558\uc9c0\ub9cc CRA\ub294 \uae08\uc735\uae30\uad00\uc73c\ub85c\ubd80\ud130 TFSA \uc815\ubcf4\ub97c \uc5f0 1\ud68c \uc77c\uad04\uc801\uc73c\ub85c \ubc1b\uae30 \ub54c\ubb38\uc5d0 \ucd08\uacfc \ub0a9\uc785 \ud6c4 1\ub144 \uc774\uc0c1 \uc9c0\ub098\uc11c\uc57c \uace0\uc9c0\uc11c\ub97c \ubc1b\ub294 \uacbd\uc6b0\ub3c4 \ud754\ud558\ub2e4. \uadf8\ub54c\ub294 \uc774\ubbf8 \ud398\ub110\ud2f0\uac00 \uc218\uac1c\uc6d4 \ub610\ub294 1\ub144 \uc774\uc0c1 \ub204\uc801\ub418\uc5b4 \uc788\ub294 \uacbd\uc6b0\ub3c4 \uc788\ub2e4.<\/p>\n

        Over-Contribution\uc774 \ubc1c\uc0dd\ud588\ub2e4\uba74 \uc5b4\ub5bb\uac8c \ud574\uc57c \ud560\uae4c?<\/h2>\n

        \uac00\uc7a5 \uc911\uc694\ud55c \uac83\uc740 \uac00\ub2a5\ud55c \ube68\ub9ac \ucd08\uacfc \uae08\uc561\uc744 \uc778\ucd9c\ud558\ub294 \uac83\uc774\ub2e4. \ucd08\uacfc \uae08\uc561\uc744 \uadf8\ub300\ub85c \ub450\ub294 \ub3d9\uc548\uc5d0\ub294 \ub9e4\uc6d4 \ud398\ub110\ud2f0\uac00 \uacc4\uc18d \ubc1c\uc0dd\ud558\uae30 \ub54c\ubb38\uc774\ub2e4. \uc774\ud6c4 CRA\uc5d0\uc11c \uace0\uc9c0\uc11c\ub97c \ubc1b\uc73c\uba74 \uc0c1\ud669\uc5d0 \ub530\ub77c TFSA Return (RC243) <\/strong>\ubc0f \uad00\ub828 \uc2e0\uace0<\/strong>\ub97c \ud574\uc57c \ud560 \uc218\ub3c4 \uc788\uc73c\uba70, \ubd80\uacfc\ub41c \uc138\uae08\uacfc \uc774\uc790\ub97c \ub0a9\ubd80\ud574\uc57c \ud55c\ub2e4.<\/p>\n

        \ub9cc\uc57d \uc2e4\uc218\uac00 \ubd88\uac00\ud53c\ud55c \uc0c1\ud669\uc774\uc5c8\uace0, \uc989\uc2dc \uc218\uc815\ud588\uc73c\uba70, \ubc18\ubcf5\ub418\uc9c0 \uc54a\uc740 \ub2e8\uc21c \uc2e4\uc218\uc600\ub2e4\uba74 CRA\uc5d0 Penalty Relief(<\/strong>\uac00\uc0b0\uc138 \uac10\uba74<\/strong>)<\/strong> \ub97c \uc694\uccad\ud558\ub294 \uac83\ub3c4 \uace0\ub824\ud574 \ubcfc \uc218 \uc788\ub2e4. CRA\ub294 \ubaa8\ub4e0 \uc694\uccad\uc744 \uc2b9\uc778\ud558\ub294 \uac83\uc740 \uc544\ub2c8\uc9c0\ub9cc, \ub2e4\uc74c\uacfc \uac19\uc740 \uc694\uc18c\ub97c \uc885\ud569\uc801\uc73c\ub85c \uac80\ud1a0\ud55c\ub2e4.<\/p>\n

          \n
        • \ub2e8\uc21c \uc2e4\uc218\uc600\ub294\uc9c0<\/li>\n
        • \ucd08\uacfc \uae08\uc561\uc744 \uc989\uc2dc \uc778\ucd9c\ud588\ub294\uc9c0<\/li>\n
        • \uacfc\uac70\uc5d0\ub3c4 \ubc18\ubcf5\ub41c \uc0ac\ub840\uac00 \uc788\ub294\uc9c0<\/li>\n
        • \ub0a9\uc138\uc790\uac00 \uc131\uc2e4\ud558\uac8c \ub300\uc751\ud588\ub294\uc9c0<\/li>\n<\/ul>\n

          \uc2e4\uc81c\ub85c \uc774\ub7ec\ud55c \uc0ac\uc815\uc744 \uc778\uc815\ubc1b\uc544 \ud398\ub110\ud2f0\uac00 \ucde8\uc18c\ub418\uac70\ub098 \uc77c\ubd80 \uac10\uba74\ub418\ub294 \uc0ac\ub840\ub3c4 \uc788\ub2e4.<\/p>\n

          \ubbf8\ub9ac \uc608\ubc29\ud558\ub824\uba74<\/h2>\n

          TFSA Over-Contribution\uc740 \ub300\ubd80\ubd84 \uac04\ub2e8\ud55c \uad00\ub9ac\ub9cc\uc73c\ub85c \uc608\ubc29\ud560 \uc218 \uc788\ub2e4. \ub2e4\uc74c \uc0ac\ud56d\ub4e4\uc744 \uae30\uc5b5\ud574 \ub450\uba74 \ub3c4\uc6c0\uc774 \ub41c\ub2e4.<\/p>\n

            \n
          • \uc62c\ud574 \ub0a8\uc740 Contribution Room\uc744 \ubcf8\uc778\uc774 \uc9c1\uc811 \uae30\ub85d\ud574 \uad00\ub9ac\ud55c\ub2e4.<\/li>\n
          • \uc778\ucd9c\ud55c \uae08\uc561\uc740 \ub2e4\uc74c \ud574\uac00 \ub418\uae30 \uc804\uc5d0\ub294 \ub2e4\uc2dc \uc785\uae08\ud558\uc9c0 \uc54a\ub294\ub2e4.<\/li>\n
          • \uc5ec\ub7ec \uae08\uc735\uae30\uad00\uc758 TFSA\ub97c \ubaa8\ub450 \ud569\uc0b0\ud558\uc5ec \uad00\ub9ac\ud55c\ub2e4.<\/li>\n
          • \uae08\uc735\uae30\uad00\uc744 \uc62e\uae38 \ub54c\ub294 \ubc18\ub4dc\uc2dc Direct TFSA Transfer\ub97c \uc774\uc6a9\ud55c\ub2e4.<\/li>\n
          • CRA My Account\uc758 TFSA Room\uc740 \uc2e4\uc2dc\uac04 \uc815\ubcf4\uac00 \uc544\ub2c8\ub77c\ub294 \uc810\uc744 \uae30\uc5b5\ud55c\ub2e4.<\/li>\n
          • \ud070 \uae08\uc561\uc744 \uc785\uae08\ud558\uae30 \uc804\uc5d0\ub294 \ud604\uc7ac \uc0ac\uc6a9\ud55c Contribution Room\uc744 \ud55c \ubc88 \ub354 \ud655\uc778\ud55c\ub2e4.<\/li>\n<\/ul>\n

            \ub9c8\ubb34\ub9ac<\/h2>\n

            TFSA\ub294 \uce90\ub098\ub2e4\uc5d0\uc11c \uac00\uc7a5 \uac15\ub825\ud55c \uc808\uc138 \uc81c\ub3c4 \uc911 \ud558\ub098\uc774\uc9c0\ub9cc, \uaddc\uc815\uc744 \uc798\ubabb \uc774\ud574\ud558\uba74 \uc608\uc0c1\ud558\uc9c0 \ubabb\ud55c \ud398\ub110\ud2f0\ub97c \ubd80\ub2f4\ud560 \uc218 \uc788\ub2e4.<\/p>\n

            \ud2b9\ud788 \uc5ec\ub7ec \uae08\uc735\uae30\uad00\uc744 \uc774\uc6a9\ud558\uac70\ub098, TFSA\uc5d0\uc11c \ub3c8\uc744 \uc778\ucd9c\ud55c \ud6c4 \uac19\uc740 \ud574 \ub2e4\uc2dc \uc785\uae08\ud558\ub294 \uacbd\uc6b0, \ub610\ub294 CRA My Account\uc758 \uc815\ubcf4\ub97c \uc2e4\uc2dc\uac04\uc73c\ub85c \ubbff\uace0 \ub0a9\uc785\ud558\ub294 \uacbd\uc6b0\uc5d0\ub294 \uc2e4\uc218\uac00 \uc790\uc8fc \ubc1c\uc0dd\ud55c\ub2e4.<\/p>\n

            TFSA Over-Contribution\uc740 \ub300\ubd80\ubd84 \uace0\uc758\uac00 \uc544\ub2c8\ub77c \uc791\uc740 \ucc29\uc624\uc5d0\uc11c \uc2dc\uc791\ub41c\ub2e4. \uadf8\ub7ec\ub098 \uc2dc\uac04\uc774 \uc9c0\ub098\uba74 \ud398\ub110\ud2f0\uac00 \uacc4\uc18d \ub204\uc801\ub420 \uc218 \uc788\uc73c\ubbc0\ub85c, \uace0\uc9c0\uc11c\ub97c \ubc1b\uc558\ub2e4\uba74 \uadf8\ub300\ub85c \ub450\uc9c0 \ub9d0\uace0 \uc6d0\uc778\uc744 \uc815\ud655\ud788 \ud30c\uc545\ud55c \ud6c4 \uc2e0\uc18d\ud558\uac8c \ub300\uc751\ud558\ub294 \uac83\uc774 \uc911\uc694\ud558\ub2e4.<\/p>\n

            \ud3c9\uc18c \uc790\uc2e0\uc758 Contribution Room\uc744 \uaf3c\uaf3c\ud788 \uad00\ub9ac\ud558\ub294 \uac83\ub9cc\uc73c\ub85c\ub3c4 \uc774\ub7ec\ud55c \ubd88\ud544\uc694\ud55c \ube44\uc6a9\uc740 \ucda9\ubd84\ud788 \uc608\ubc29\ud560 \uc218 \uc788\ub2e4.<\/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.)<\/p>\n

            LeeJung LLP<\/p>\n

            Chartered Professional Accountants & Advisors<\/p>\n

            #313-9600 Cameron Street<\/p>\n

            Burnaby, B.C. V3J 7N3<\/p>\n

            (T) 604-422-8884 (F) 604-422-8893<\/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″ gutter_width__hover_enabled=”3″ parallax_1__hover=”off” parallax_1__hover_enabled=”off” parallax_2__hover=”off” 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