BV1trAmzrEmf · 浑水摸鱼清源1 00:00:00,180 --> 00:00:00,840 大家好 2 00:00:00,840 --> 00:00:03,140 请注意以下免责声明 3 00:00:03,140 --> 00:00:06,320 请知悉本视频仅用于信息 4 00:00:06,320 --> 00:00:08,550 教育和娱乐目的 5 00:00:08,550 --> 00:00:11,710 不构成财务建议 6 00:00:11,710 --> 00:00:16,000 我们并非注册财务顾问 7 00:00:21,739 --> 00:00:22,179 嘿 8 00:00:22,179 --> 00:00:25,179 大家欢迎来到DIY投资教育系列新一期 9 00:00:25,179 --> 00:00:30,160 在前两期中我们讨论了作为加拿大人 10 00:00:30,160 --> 00:00:31,660 必须了解的重要内容 11 00:00:31,660 --> 00:00:32,969 免税储蓄账户 12 00:00:32,969 --> 00:00:37,670 接下来两期我们将介绍RRSP账户 13 00:00:37,670 --> 00:00:42,009 RRSP即注册退休储蓄计划 14 00:00:42,009 --> 00:00:47,149 顺便说一句不幸的是它不如TFSA受关注 15 00:00:47,149 --> 00:00:50,049 但我的个人观点是 16 00:00:50,049 --> 00:00:52,109 这是一个非常重要的账户 17 00:00:52,109 --> 00:00:53,820 需要理解 18 00:00:53,820 --> 00:00:56,460 作为加拿大人应充分利用 19 00:00:57,700 --> 00:01:00,140 尤其是高收入人群 20 00:01:00,140 --> 00:01:03,420 因为它能极大助力未来退休生活 21 00:01:03,420 --> 00:01:05,379 和TFSA一样 22 00:01:05,379 --> 00:01:10,510 是一个能长期大幅增值的强大账户 23 00:01:10,510 --> 00:01:14,039 本期我将简要介绍 24 00:01:14,039 --> 00:01:17,759 我认为你应该了解的RRSP核心要点 25 00:01:17,759 --> 00:01:20,959 第二期我们将深入讲解 26 00:01:20,959 --> 00:01:21,358 呃 27 00:01:21,358 --> 00:01:22,638 如何处理取款 28 00:01:22,638 --> 00:01:26,299 RRSP账户的税务规则 29 00:01:26,299 --> 00:01:27,939 现在让我们简要概述 30 00:01:27,939 --> 00:01:31,668 说实话我最近大量使用AI 31 00:01:31,668 --> 00:01:36,450 谷歌AI并搜索了RRSP概述 32 00:01:36,450 --> 00:01:39,000 得到了非常全面的介绍 33 00:01:39,000 --> 00:01:40,180 我们一起来看 34 00:01:40,180 --> 00:01:44,459 同时梳理RRSP的关键要点 35 00:01:44,459 --> 00:01:47,969 这是一个加拿大政府注册账户 36 00:01:47,969 --> 00:01:49,030 就像TFSA一样 37 00:01:49,030 --> 00:01:51,469 由加拿大政府监管 38 00:01:51,469 --> 00:01:55,900 专为退休储蓄设计 39 00:01:55,900 --> 00:02:03,709 其最大优势在于提供税前扣除贡献 40 00:02:03,709 --> 00:02:04,689 这什么意思 41 00:02:04,689 --> 00:02:06,829 稍后我会解释 42 00:02:06,829 --> 00:02:11,599 以及税后增长贡献 43 00:02:11,599 --> 00:02:15,400 可减少应税收入非常棒 44 00:02:15,400 --> 00:02:20,650 投资收益在取款前免税 45 00:02:20,650 --> 00:02:22,610 通常在退休期间 46 00:02:22,610 --> 00:02:24,449 当时收入较低 47 00:02:24,449 --> 00:02:26,710 这段描述非常到位 48 00:02:26,710 --> 00:02:28,770 不仅解释了RRSP 49 00:02:28,770 --> 00:02:34,960 还暗示了其设计初衷和最佳使用方式 50 00:02:34,960 --> 00:02:38,680 RRSP的核心优势是什么 51 00:02:38,680 --> 00:02:41,099 在我看来，这里最大的一个 52 00:02:41,099 --> 00:02:46,360 有两个显著优势，即捐款可抵税 53 00:02:46,360 --> 00:02:49,019 减少当期所得税 54 00:02:50,189 --> 00:02:53,289 第二个优势是投资增值 55 00:02:53,289 --> 00:02:56,289 计划或账户内的增长免税 56 00:02:56,289 --> 00:02:58,050 直到资金被提取 57 00:02:58,050 --> 00:02:59,509 现在我们来拆解一下 58 00:02:59,509 --> 00:03:02,689 什么是捐款可抵税 59 00:03:02,689 --> 00:03:05,620 降低即时税单 60 00:03:05,620 --> 00:03:05,840 嗯 61 00:03:05,840 --> 00:03:06,560 很简单 62 00:03:06,560 --> 00:03:08,210 每个人 63 00:03:08,210 --> 00:03:08,990 都需要缴税 64 00:03:08,990 --> 00:03:10,909 按比例抵扣 65 00:03:10,909 --> 00:03:13,509 假设你在加拿大 66 00:03:13,509 --> 00:03:16,689 年收入一百万 67 00:03:16,689 --> 00:03:21,870 向RSP账户存入十万美元 68 00:03:21,870 --> 00:03:25,569 全年你有工资收入 69 00:03:25,569 --> 00:03:27,370 需缴纳工资税 70 00:03:27,370 --> 00:03:28,509 在一百万收入时 71 00:03:28,509 --> 00:03:29,569 一百五十万 72 00:03:29,569 --> 00:03:30,569 视情况而定 73 00:03:30,569 --> 00:03:31,400 众所周知 74 00:03:31,400 --> 00:03:34,199 收入越高 75 00:03:34,199 --> 00:03:38,199 工资税越高 76 00:03:38,199 --> 00:03:40,699 假设投资十万美元 77 00:03:40,699 --> 00:03:44,060 或存入RSP账户十万美元 78 00:03:44,060 --> 00:03:44,939 嗯 79 00:03:44,939 --> 00:03:46,819 可以理解为 80 00:03:46,819 --> 00:03:49,960 这里以一百万为例 81 00:03:49,960 --> 00:03:51,460 我正在简化 82 00:03:51,460 --> 00:03:52,840 当然，嗯 83 00:03:52,840 --> 00:03:56,699 相当于年收入一百万 84 00:03:56,699 --> 00:03:59,409 变为九十万 85 00:03:59,409 --> 00:04:03,169 十万美元减少总收入 86 00:04:03,169 --> 00:04:04,090 逐项抵扣 87 00:04:04,090 --> 00:04:05,289 全年期间 88 00:04:05,289 --> 00:04:06,050 你的工资 89 00:04:06,050 --> 00:04:09,330 需按一百万缴税 90 00:04:09,330 --> 00:04:12,959 但实际收入九十万 91 00:04:12,959 --> 00:04:16,579 因为你存入RSP账户十万美元 92 00:04:16,579 --> 00:04:18,338 你多缴了税 93 00:04:18,338 --> 00:04:19,298 你多缴了税 94 00:04:19,298 --> 00:04:22,209 这让你能够 95 00:04:22,209 --> 00:04:27,470 这就是减少当期所得税的意思 96 00:04:27,470 --> 00:04:33,509 你将获得退税或节省更多税款 97 00:04:33,509 --> 00:04:37,490 投入越多减免越多 98 00:04:37,490 --> 00:04:38,430 所以如果你投入 99 00:04:38,430 --> 00:04:40,689 如果你投入十五万美元 100 00:04:40,689 --> 00:04:43,959 相当于收入八十五万 101 00:04:43,959 --> 00:04:47,060 显然你在税务方面多缴了 102 00:04:47,060 --> 00:04:48,899 这里用引号强调的多缴部分 103 00:04:48,899 --> 00:04:50,660 政府需要退还给你 104 00:04:50,660 --> 00:04:52,579 那些税款对吧 105 00:04:52,579 --> 00:04:56,870 这就是说贡献可以抵税的意思 106 00:04:56,870 --> 00:04:59,269 减少你的即时所得税负担 107 00:04:59,269 --> 00:05:00,490 按比例一一抵扣 108 00:05:00,490 --> 00:05:02,269 这非常有效 109 00:05:02,269 --> 00:05:04,730 因为收入越高 110 00:05:04,730 --> 00:05:07,949 如果你高收入且缴税更多 111 00:05:07,949 --> 00:05:09,250 处于更高税率档次 112 00:05:09,250 --> 00:05:10,290 其价值就越大 113 00:05:10,290 --> 00:05:13,449 rsp的贡献确实如此 114 00:05:13,449 --> 00:05:15,790 因为你在降低工资 115 00:05:15,790 --> 00:05:16,389 如果这样 116 00:05:17,470 --> 00:05:17,850 呃 117 00:05:17,850 --> 00:05:18,970 我这里引用一下 118 00:05:18,970 --> 00:05:20,610 按比例一一抵扣 119 00:05:20,610 --> 00:05:21,350 现在 120 00:05:21,350 --> 00:05:26,670 另一个重大优势是计划内的投资增长免税 121 00:05:26,670 --> 00:05:27,910 直到资金被提取 122 00:05:27,910 --> 00:05:30,399 就像tfsa一样 123 00:05:30,399 --> 00:05:34,180 如果你投资指数基金或etf 124 00:05:34,180 --> 00:05:34,779 嗯 125 00:05:34,779 --> 00:05:37,500 这些投资会随时间增值 126 00:05:37,500 --> 00:05:42,069 这种增长复利免税 127 00:05:42,069 --> 00:05:47,079 账户内免税直到提取时 128 00:05:47,079 --> 00:05:47,680 没错 129 00:05:47,680 --> 00:05:51,120 如果你20岁开始rsp 130 00:05:51,120 --> 00:05:54,850 接下来几十年持续投入 131 00:05:54,850 --> 00:05:56,490 账户内的所有增长 132 00:05:56,490 --> 00:05:59,649 在该账户做出明智投资 133 00:05:59,649 --> 00:06:02,129 这些都是免税的对吧 134 00:06:02,129 --> 00:06:08,319 因此复利免税持续多年直到提取 135 00:06:08,319 --> 00:06:08,980 是的 136 00:06:08,980 --> 00:06:09,279 呃 137 00:06:09,279 --> 00:06:10,519 届时需要缴税 138 00:06:10,519 --> 00:06:11,319 但我们会在第二集讲 139 00:06:11,319 --> 00:06:12,360 在第二集讨论 140 00:06:12,360 --> 00:06:14,279 我们将谈到税费和提取规则 141 00:06:14,279 --> 00:06:14,980 以及如何运作 142 00:06:14,980 --> 00:06:19,519 这就是rsp的两大优势 143 00:06:19,519 --> 00:06:23,019 而tfsa没有这个 144 00:06:23,019 --> 00:06:23,759 呃 145 00:06:23,759 --> 00:06:25,189 税前抵扣 146 00:06:25,189 --> 00:06:25,750 呃 147 00:06:25,750 --> 00:06:28,589 tfsa的贡献不可税前抵扣 148 00:06:28,589 --> 00:06:29,670 这是重大优势 149 00:06:29,670 --> 00:06:34,069 这也是rsp相比tfsa的优势 150 00:06:34,069 --> 00:06:34,290 是的 151 00:06:34,290 --> 00:06:36,610 你必须提取并缴税 152 00:06:36,610 --> 00:06:38,209 当你缴税时 153 00:06:38,209 --> 00:06:39,189 当你以后提取时 154 00:06:39,189 --> 00:06:39,889 TFS账户 155 00:06:39,889 --> 00:06:40,620 你不需要 156 00:06:40,620 --> 00:06:43,980 但供款可抵税 157 00:06:43,980 --> 00:06:44,800 通过RSP账户 158 00:06:44,800 --> 00:06:47,879 这是重大优势 159 00:06:47,879 --> 00:06:50,160 和TFS账户一样 160 00:06:50,160 --> 00:06:51,100 所有复利 161 00:06:51,100 --> 00:06:54,250 账户内所有增长免税 162 00:06:54,250 --> 00:06:55,709 在账户内部 163 00:06:55,709 --> 00:06:56,129 当然 164 00:06:56,129 --> 00:06:58,059 所以供款限额 165 00:06:58,059 --> 00:07:00,059 TFS账户运作方式 166 00:07:00,059 --> 00:07:02,379 这是RSP和TFS的区别 167 00:07:02,379 --> 00:07:05,420 RSP最多能存多少 168 00:07:05,420 --> 00:07:06,560 不同于TFS账户 169 00:07:06,560 --> 00:07:10,899 加拿大公民统一额度 170 00:07:10,899 --> 00:07:14,120 未用额度可结转 171 00:07:14,120 --> 00:07:14,899 RSP账户 172 00:07:14,899 --> 00:07:17,839 需赚取供款额度 173 00:07:17,839 --> 00:07:20,180 允许存入的资金 174 00:07:20,180 --> 00:07:28,069 即2024年收入的18% 175 00:07:28,069 --> 00:07:30,360 每年都是2024年 176 00:07:30,360 --> 00:07:31,000 嗯 177 00:07:31,000 --> 00:07:32,560 始终是18% 178 00:07:32,560 --> 00:07:35,408 还有另一项限制 179 00:07:35,408 --> 00:07:36,069 嗯 180 00:07:36,069 --> 00:07:36,668 例如 181 00:07:36,668 --> 00:07:37,829 2024年 182 00:07:37,829 --> 00:07:39,209 32400 183 00:07:39,209 --> 00:07:40,029 90 184 00:07:40,029 --> 00:07:41,790 我在电视网站这里 185 00:07:41,790 --> 00:07:44,939 这里有篇详细描述RSP的文章 186 00:07:44,939 --> 00:07:48,779 每年有RSP美元限额 187 00:07:48,779 --> 00:07:50,199 他们称为美元限额 188 00:07:50,199 --> 00:07:51,920 限额逐年提高 189 00:07:51,920 --> 00:07:52,500 所以你看 190 00:07:52,500 --> 00:07:52,980 例如 191 00:07:52,980 --> 00:07:54,269 2026年 192 00:07:54,269 --> 00:07:55,569 33000 193 00:07:55,569 --> 00:07:57,430 810美元 194 00:07:57,430 --> 00:07:58,990 所以 195 00:07:58,990 --> 00:08:03,779 这是最大美元限额 196 00:08:03,779 --> 00:08:05,680 或18% 197 00:08:05,680 --> 00:08:07,319 还有18% 198 00:08:07,319 --> 00:08:07,860 这什么意思 199 00:08:07,860 --> 00:08:09,220 这什么意思 200 00:08:09,220 --> 00:08:09,740 嗯 201 00:08:09,740 --> 00:08:11,079 这是两个数字中的较低值 202 00:08:11,079 --> 00:08:13,000 所以我们就说你你你 203 00:08:13,000 --> 00:08:13,540 你知道的 204 00:08:13,540 --> 00:08:14,800 你是一个高管 205 00:08:14,800 --> 00:08:18,029 年薪两万美元 206 00:08:18,029 --> 00:08:18,689 好的 207 00:08:18,689 --> 00:08:21,779 如果我们取其中的18% 208 00:08:21,779 --> 00:08:25,240 那就是三万六千元对吧 209 00:08:25,240 --> 00:08:29,870 三万六千元对比二十二六 210 00:08:29,870 --> 00:08:32,879 将是三万三千八百元 211 00:08:33,039 --> 00:08:36,200 你的限额实际上为三三 212 00:08:36,200 --> 00:08:36,860 八十元 213 00:08:36,860 --> 00:08:39,360 就是取两个数字中的较低值 214 00:08:39,360 --> 00:08:40,019 对吧 215 00:08:40,019 --> 00:08:41,339 嗯 216 00:08:41,339 --> 00:08:47,690 这是政府在展示rsp账户的强大 217 00:08:47,690 --> 00:08:49,490 因为他们真的设定了上限 218 00:08:49,490 --> 00:08:49,730 所以 219 00:08:49,730 --> 00:08:50,210 例如 220 00:08:50,210 --> 00:08:54,929 如果你年薪三十五万美元对吧 221 00:08:54,929 --> 00:08:58,110 18%的金额就是六万三千元 222 00:08:58,110 --> 00:09:00,059 但你可以存入六万三千元 223 00:09:00,059 --> 00:09:00,860 这啊 224 00:09:00,860 --> 00:09:05,318 需在六万三千元和三十三十之间取较低值 225 00:09:05,318 --> 00:09:08,359 该年度的rsp限额 226 00:09:08,359 --> 00:09:12,950 这就是缴款限额的规则对吧 227 00:09:12,950 --> 00:09:17,389 这就是说取两个数字中的较低值 228 00:09:17,389 --> 00:09:18,990 嗯所以啊 229 00:09:18,990 --> 00:09:22,009 如果你未使用任何缴款额度 230 00:09:22,009 --> 00:09:24,149 会像tfsa一样结转 231 00:09:24,149 --> 00:09:28,349 未使用的额度逐年结转 232 00:09:28,349 --> 00:09:30,808 就像tfsa一样 233 00:09:30,808 --> 00:09:31,629 你可以持有 234 00:09:31,629 --> 00:09:32,230 呃 235 00:09:32,230 --> 00:09:34,929 几乎任何类型的资产 236 00:09:34,929 --> 00:09:38,210 比如股票和etf 237 00:09:38,210 --> 00:09:39,389 债券gcs 238 00:09:39,389 --> 00:09:40,110 共同基金 239 00:09:40,110 --> 00:09:41,019 所以啊 240 00:09:41,019 --> 00:09:44,529 这与tfsa非常相似 241 00:09:44,690 --> 00:09:48,470 关于取款和税务方面 242 00:09:48,470 --> 00:09:51,139 我们将在第二集讲解 243 00:09:51,139 --> 00:09:53,700 这就是rsp概述的大概 244 00:09:53,700 --> 00:09:55,659 rsp总体介绍 245 00:09:55,659 --> 00:09:56,740 我也查了 246 00:09:56,740 --> 00:10:00,440 rsp的设计目的是什么 247 00:10:00,440 --> 00:10:03,059 我觉得这真的 248 00:10:03,059 --> 00:10:03,990 你知道的 249 00:10:03,990 --> 00:10:06,789 我们已经讨论过这些要点 250 00:10:06,789 --> 00:10:09,750 但为了强调这一点 251 00:10:10,029 --> 00:10:12,470 递延纳税增长，所以再次 252 00:10:12,470 --> 00:10:18,169 所有投资在rsp账户内的资产随时间免税增长 253 00:10:18,169 --> 00:10:18,870 比如股票 254 00:10:18,870 --> 00:10:19,629 债券等等 255 00:10:19,629 --> 00:10:21,529 所以如果你有几十年的时间 256 00:10:21,529 --> 00:10:23,409 比如你从二十岁开始 257 00:10:23,409 --> 00:10:28,080 年轻时开始并计划在六十岁退休 258 00:10:28,080 --> 00:10:28,799 假设是 259 00:10:28,799 --> 00:10:33,000 这就是在rsp账户内四十年的递延纳税增长 260 00:10:33,000 --> 00:10:36,000 当然还能降低当前收入税 261 00:10:36,000 --> 00:10:38,909 因为这些贡献可以抵税 262 00:10:38,909 --> 00:10:42,509 它们能让个人降低应税收入 263 00:10:42,509 --> 00:10:45,070 在许多情况下还能获得退税 264 00:10:45,070 --> 00:10:46,470 我可以说明这一点 265 00:10:46,470 --> 00:10:49,960 或者我可以分享我的经历，就我个人而言 266 00:10:49,960 --> 00:10:50,860 我和妻子 267 00:10:50,860 --> 00:10:52,799 多年来一直努力 268 00:10:52,799 --> 00:11:00,139 将税后工资的约百分之十存入rsp账户 269 00:11:00,139 --> 00:11:05,129 多年来我们每年都获得退税 270 00:11:05,129 --> 00:11:07,489 无论是两千还是三千美元 271 00:11:07,489 --> 00:11:09,208 当然这是很久以前的事了 272 00:11:09,208 --> 00:11:11,389 但确实很有帮助 273 00:11:11,389 --> 00:11:13,710 会降低应税总收入 274 00:11:13,710 --> 00:11:14,409 如果有的话 275 00:11:14,409 --> 00:11:18,230 在某些情况下还能获得退税 276 00:11:18,230 --> 00:11:18,710 别忘了 277 00:11:18,710 --> 00:11:20,669 如果你的大额贡献 278 00:11:20,669 --> 00:11:23,120 还有税收等级 279 00:11:23,120 --> 00:11:25,340 加拿大朋友们别忘了 280 00:11:25,340 --> 00:11:25,940 别忘了 281 00:11:25,940 --> 00:11:27,919 这是很多人误解的地方 282 00:11:27,919 --> 00:11:33,710 或不了解rsp贡献的强大之处 283 00:11:33,710 --> 00:11:34,870 假设你处于 284 00:11:34,870 --> 00:11:36,190 你处于高税率档 285 00:11:36,190 --> 00:11:37,669 这里以安大略省为例 286 00:11:37,669 --> 00:11:39,950 二〇二六年并参考税务指南 287 00:11:39,950 --> 00:11:43,144 dot c八 slash tax rates这里 288 00:11:43,639 --> 00:11:45,159 假设你 289 00:11:45,159 --> 00:11:48,000 处于这个税率档位 290 00:11:48,000 --> 00:11:48,840 嗯 291 00:11:48,840 --> 00:11:50,460 十五万 292 00:11:50,460 --> 00:11:51,279 假设你的 293 00:11:51,279 --> 00:11:53,639 年薪是十五万两千美元 294 00:11:53,639 --> 00:11:54,159 那么 295 00:11:54,159 --> 00:11:56,899 你会处于这个税率档位 296 00:11:56,899 --> 00:11:58,799 其中收入将 297 00:11:58,799 --> 00:11:59,340 嗯 298 00:11:59,340 --> 00:12:01,679 常规收入需缴纳四四点 299 00:12:01,679 --> 00:12:03,350 九十七% 300 00:12:03,350 --> 00:12:06,830 但如果你有可用额度 301 00:12:06,830 --> 00:12:07,389 对 302 00:12:07,389 --> 00:12:07,990 如果你放入 303 00:12:07,990 --> 00:12:11,059 假设说五十 304 00:12:11,059 --> 00:12:14,379 我们假设你存入三万美元 305 00:12:14,379 --> 00:12:16,279 所以一百五十二 306 00:12:16,639 --> 00:12:20,480 如果你在rsp账户存入三万美元 307 00:12:20,480 --> 00:12:21,179 例如 308 00:12:21,179 --> 00:12:24,688 这会将一百五十二减少三万 309 00:12:24,688 --> 00:12:30,299 所以相当于你当年赚了一百二十二 310 00:12:30,299 --> 00:12:35,080 这样你就会从这个税率档位转到下一个 311 00:12:35,080 --> 00:12:37,240 你实际上会属于 312 00:12:37,240 --> 00:12:40,740 rsp缴款甚至能降低你的税率档位 313 00:12:40,740 --> 00:12:42,500 因此你会处于更低的税率档位 314 00:12:42,500 --> 00:12:43,840 这意味着总体而言 315 00:12:43,840 --> 00:12:46,489 你会少交税所以 316 00:12:46,489 --> 00:12:49,489 如果你做大的rsp缴款有时 317 00:12:49,489 --> 00:12:51,779 或者你可以策略性操作 318 00:12:51,779 --> 00:12:55,120 你甚至能当年降低税率档位 319 00:12:55,120 --> 00:12:57,480 这其实非常非常有效 320 00:12:57,480 --> 00:12:59,139 现在还有其他 321 00:12:59,139 --> 00:12:59,620 呃 322 00:12:59,620 --> 00:13:03,139 更多详细具体的rsp操作方法 323 00:13:03,139 --> 00:13:05,120 有购房者计划 324 00:13:05,120 --> 00:13:05,659 即 325 00:13:05,659 --> 00:13:07,519 基本上 326 00:13:07,519 --> 00:13:15,250 你可以从rsp提取最多六万美元免税且无需承担税负 327 00:13:15,250 --> 00:13:18,089 但需在十五年内归还 328 00:13:18,089 --> 00:13:20,188 还有终身学习计划 329 00:13:20,188 --> 00:13:21,629 我就不详细说了 330 00:13:21,629 --> 00:13:24,879 还有其他小众项目或优势 331 00:13:24,879 --> 00:13:25,399 呃 332 00:13:25,399 --> 00:13:28,200 你可以通过rsp利用这些 333 00:13:29,360 --> 00:13:30,039 所以啊 334 00:13:30,039 --> 00:13:30,240 是的 335 00:13:30,240 --> 00:13:30,639 我的意思是 336 00:13:30,639 --> 00:13:31,120 呃 337 00:13:31,120 --> 00:13:32,929 谷歌在这里帮了我很多 338 00:13:32,929 --> 00:13:38,710 才能给你一个rsp的高层次概述 339 00:13:38,710 --> 00:13:39,529 嗯 340 00:13:39,529 --> 00:13:41,320 我强烈推荐你 341 00:13:41,320 --> 00:13:42,059 去了解看看 342 00:13:42,059 --> 00:13:45,470 网上有很多相关文章 343 00:13:45,470 --> 00:13:48,090 只要你搜索加拿大rsp概述 344 00:13:48,090 --> 00:13:49,509 就能得到很多链接 345 00:13:49,509 --> 00:13:51,190 我在这里找到这篇文章 346 00:13:51,190 --> 00:13:54,049 TD银行的文章写得很好 347 00:13:54,049 --> 00:13:56,690 我会在描述中附上链接 348 00:13:56,690 --> 00:13:57,870 其中会详细说明 349 00:13:57,870 --> 00:14:00,250 它确实深入讲解了一些细节 350 00:14:00,250 --> 00:14:01,730 并回答常见问题 351 00:14:01,730 --> 00:14:03,009 但有很多很多文章 352 00:14:03,009 --> 00:14:08,809 但希望这段视频能让你了解RSP的工作原理 353 00:14:08,809 --> 00:14:11,429 这是一个非常强大的账户 354 00:14:11,429 --> 00:14:17,039 总的来说，它旨在补充你的退休收入 355 00:14:17,039 --> 00:14:18,139 当你退休时 356 00:14:18,139 --> 00:14:19,740 这正是它的设计目的 357 00:14:19,740 --> 00:14:23,929 最大的两个优势是账户内所有资产免税增长 358 00:14:23,929 --> 00:14:25,190 如果你尽早开始 359 00:14:25,190 --> 00:14:26,549 正如大家所知 360 00:14:26,549 --> 00:14:31,649 复利增长在曲线末端会爆发式增长 361 00:14:31,649 --> 00:14:36,419 所以如果你在RSP中持续投资或缴费 362 00:14:36,419 --> 00:14:38,700 当然你可以超过限额 363 00:14:38,700 --> 00:14:40,419 所有这些增长 364 00:14:40,419 --> 00:14:42,100 如果你正确投资 365 00:14:42,100 --> 00:14:43,679 这些都是税收优惠 366 00:14:43,679 --> 00:14:46,049 账户内的免税增长 367 00:14:46,049 --> 00:14:47,470 因此可能迅速增长 368 00:14:47,470 --> 00:14:49,710 而每年你缴费时 369 00:14:49,710 --> 00:14:51,950 也能获得税收减免 370 00:14:51,950 --> 00:14:54,870 因为所有缴费均可抵税 371 00:14:54,870 --> 00:14:57,659 这能减少你的即时 372 00:14:57,659 --> 00:14:58,179 呃 373 00:14:58,179 --> 00:14:59,019 所得税单 374 00:14:59,019 --> 00:15:01,340 这是一个非常有趣的账户 375 00:15:01,340 --> 00:15:02,190 每个人 376 00:15:02,190 --> 00:15:03,110 再说一次 377 00:15:03,110 --> 00:15:05,029 如果想深入了解我会提供那篇文章 378 00:15:05,029 --> 00:15:07,190 你还可以用谷歌搜索，有海量文章 379 00:15:07,190 --> 00:15:09,370 但希望这能给你一个全面了解 380 00:15:09,370 --> 00:15:12,619 下期我们将讲解税收机制 381 00:15:12,619 --> 00:15:14,038 如何处理取款 382 00:15:14,038 --> 00:15:14,599 呃 383 00:15:14,599 --> 00:15:15,899 关于RSP的相关内容 384 00:15:15,899 --> 00:15:16,958 谢谢大家观看 385 00:15:16,958 --> 00:15:19,360 非常感谢，我们下次再见
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