{"id":2954,"date":"2023-10-07T09:56:19","date_gmt":"2023-10-07T04:56:19","guid":{"rendered":"https:\/\/101insurance.ca\/?p=2954"},"modified":"2025-03-27T17:00:01","modified_gmt":"2025-03-27T12:00:01","slug":"tai-khoan-tiet-kiem-giao-duc-resp-phan-3","status":"publish","type":"post","link":"https:\/\/101insurance.ca\/vi\/tai-khoan-tiet-kiem-giao-duc-resp-phan-3\/","title":{"rendered":"T\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m gi\u00e1o d\u1ee5c (RESP) – Ph\u1ea7n 3: C\u01a1 ch\u1ebf thanh to\u00e1n ph\u1ea7n ti\u1ec1n AIP"},"content":{"rendered":"\n
\"\"\/<\/figure>\n\n\n\n

Ti\u1ebfp theo b\u00e0i vi\u1ebft ph\u1ea7n tr\u01b0\u1edbc v\u1ec1 RESP, ph\u1ea7n n\u00e0y m\u00ecnh s\u1ebd vi\u1ebft ti\u1ebfp v\u1ec1 ph\u1ea7n ti\u1ec1n AIP \u2013 Accumulated income payment trong t\u00e0i kho\u1ea3n RESP v\u00e0 nh\u1eefng l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0 cho t\u00e0i kho\u1ea3n RESP n\u00e0y.<\/p>\n\n\n\n

C\u00e1c b\u1ea1n xem l\u1ea1i c\u00e1c ph\u1ea7n c\u0169 \u1edf \u0111\u00e2y:<\/p>\n\n\n\n

Ph\u1ea7n 1: RESP l\u00e0 g\u00ec? <\/a><\/p>\n\n\n\n

Ph\u1ea7n 2: C\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a RESP <\/a><\/p>\n\n\n\n

\u0110\u1ec3 nh\u1eafc l\u1ea1i ph\u1ea7n c\u0169 ch\u00fat x\u00edu, m\u00ecnh c\u00f9ng nh\u00ecn l\u1ea1i c\u01a1 c\u1ea5u 1 t\u00e0i kho\u1ea3n RESP nh\u00e9:<\/p>\n\n\n\n

\"\"\/<\/figure>\n\n\n\n

4.3. Thanh to\u00e1n ph\u1ea7n thu nh\u1eadp t\u00edch l\u0169y – Accumulated income payment (AIPs)<\/strong><\/h2>\n\n\n\n

Ph\u1ea7n AIP n\u00e0y c\u00f3 th\u1ec3 hi\u1ec3u l\u00e0 ph\u1ea7n c\u00f2n d\u01b0 l\u1ea1i sau khi \u0111\u00e3 tr\u1eeb c\u00e1c kho\u1ea3n sau:<\/p>\n\n\n\n

– ph\u1ea7n ti\u1ec1n g\u1ed1c<\/p>\n\n\n\n

– ti\u1ec1n EAP \u0111\u00e3 \u0111\u01b0\u1ee3c chi ra<\/p>\n\n\n\n

– ti\u1ec1n ho\u00e0n tr\u1ea3 ph\u1ea7n CESG\/CLB\/ tr\u1ee3 c\u1ea5p t\u1ec9nh bang l\u1ea1i cho ch\u00ednh ph\u1ee7<\/p>\n\n\n\n

– ti\u1ec1n \u0111\u00e3 chuy\u1ec3n qua m\u1ed9t t\u00e0i kho\u1ea3n RESP kh\u00e1c<\/p>\n\n\n\n

Ph\u1ea7n AIP n\u00e0y th\u01b0\u1eddng l\u00e0 \u0111\u01b0\u1ee3c tr\u1ea3 v\u1ec1 cho subscriber. Subscriber ph\u1ea3i l\u00e0 ng\u01b0\u1eddi c\u01b0 tr\u00fa (resident) t\u1ea1i Canada m\u1edbi \u0111\u01b0\u1ee3c nh\u1eadn ph\u1ea7n AIP n\u00e0y.<\/p>\n\n\n\n

\ud83d\udc49C\u00e1c tr\u01b0\u1eddng h\u1ee3p nh\u1eadn AIP:<\/strong><\/p>\n\n\n\n

– RESP \u0111\u00e3 \u0111\u01b0\u1ee3c m\u1edf tr\u00ean 9 n\u0103m v\u00e0 t\u1ea5t c\u1ea3 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng trong t\u00e0i kho\u1ea3n n\u00e0y \u0111\u00e3 \u00edt nh\u1ea5t 21 tu\u1ed5i v\u00e0 kh\u00f4ng th\u1ecfa \u0111i\u1ec1u ki\u1ec7n nh\u1eadn EAP.<\/p>\n\n\n\n

– RESP \u0111\u00e3 \u0111\u01b0\u1ee3c m\u1edf 35 n\u0103m, tr\u1eeb nh\u1eefng h\u1ee3p \u0111\u1ed3ng m\u1edf RESP \u0111\u1eb7c bi\u1ec7t c\u00f3 quy \u0111\u1ecbnh chi tr\u1ea3 ph\u1ea7n AIP v\u00e0o n\u0103m th\u1ee9 40.<\/p>\n\n\n\n

– T\u1ea5t c\u1ea3 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng trong t\u00e0i kho\u1ea3n RESP \u0111\u00e3 qua \u0111\u1eddi.<\/p>\n\n\n\n

\ud83d\udc49 Ph\u1ea7n AIP \u0111\u01b0\u1ee3c t\u00ednh thu\u1ebf th\u1ebf n\u00e0o?<\/strong><\/p>\n\n\n\n

AIP b\u1ecb \u0111\u00e1nh 2 ph\u1ea7n thu\u1ebf:<\/p>\n\n\n\n

– Thu\u1ebf th\u00f4ng th\u01b0\u1eddng (regular): t\u00ednh theo m\u1ee9c thu\u1ebf thu nh\u1eadp c\u1ee7a c\u00e1 nh\u00e2n subscriber c\u1ee7a n\u0103m nh\u1eadn ph\u1ea7n AIP n\u00e0y,<\/p>\n\n\n\n

– Thu\u1ebf b\u1ed5 sung (additional): 20% tr\u00ean t\u1ed5ng ph\u1ea7n AIP (12% t\u1ea1i Quebec).<\/p>\n\n\n\n

Xin nh\u1eafc l\u1ea1i l\u00e0 ph\u1ea7n AIP n\u00e0y c\u00f3 th\u1ec3 h\u00ecnh dung l\u00e0 ti\u1ec1n l\u1eddi do l\u00e3i su\u1ea5t ph\u00e1t sinh t\u1eeb ph\u1ea7n ti\u1ec1n g\u1ed1c (bao g\u1ed3m ti\u1ec1n \u0111\u00f3ng v\u00e0o v\u00e0 ti\u1ec1n tr\u1ee3 c\u1ea5p \u0111\u01b0\u1ee3c nh\u1eadn t\u1eeb nh\u00e0 n\u01b0\u1edbc).<\/p>\n\n\n\n

\ud83d\udc49 L\u00e0m c\u00e1ch n\u00e0o \u0111\u1ec3 gi\u1ea3m ti\u1ec1n AIP b\u1ecb t\u00ednh thu\u1ebf n\u00e0y?<\/strong><\/p>\n\n\n\n

V\u00ec ph\u1ea7n ti\u1ec1n AIP b\u1ecb \u0111\u00e1nh thu\u1ebf cao nh\u01b0 v\u1eady, \u0111\u1ec3 tr\u00e1nh \u0111\u01b0\u1ee3c vi\u1ec7c tr\u1ea3 thu\u1ebf cao n\u1ebfu nh\u1eadn AIP s\u1edbm trong th\u1eddi gian thu nh\u1eadp c\u1ee7a subscriber \u0111ang r\u1ea5t cao, th\u00ec subscriber c\u00f3 th\u1ec3 chuy\u1ec3n s\u1ed1 ti\u1ec1n n\u00e0y v\u00e0o t\u00e0i kho\u1ea3n h\u01b0u tr\u00ed (RRSP, PRPP ho\u1eb7c SPP) c\u1ee7a m\u00ecnh ho\u1eb7c c\u1ee7a v\u1ee3\/ch\u1ed3ng m\u00ecnh. Vi\u1ec7c n\u00e0y kh\u00f4ng ch\u1ec9 gi\u00fap subscriber tr\u00ec ho\u00e3n vi\u1ec7c \u0111\u00f3ng thu\u1ebf tr\u00ean AIP m\u00e0 c\u00f2n gi\u00fap subscriber gi\u1ea3m \u0111\u01b0\u1ee3c income \u0111\u00f3ng thu\u1ebf c\u1ee7a n\u0103m \u0111\u00f3. M\u00ecnh s\u1ebd vi\u1ebft 1 b\u00e0i kh\u00e1c v\u1ec1 RRSP \u0111\u1ec3 gi\u1ea3i th\u00edch sau nh\u00e9.<\/p>\n\n\n\n

\ud83d\udc49 T\u1ea1i sao kh\u00f4ng t\u1eadn d\u1ee5ng vay OSAP thay v\u00ec ph\u1ea3i t\u1ef1 b\u1ecf ti\u1ec1n ti\u1ebft ki\u1ec7m v\u00e0o RESP?<\/strong><\/p>\n\n\n\n

B\u1ea1n c\u00f3 ph\u1ea3i l\u00e0 ng\u01b0\u1eddi th\u00edch \u0111i vay n\u1ee3? OSAP l\u00e0 m\u1ed9t d\u1ea1ng vay n\u1ee3, n\u00ean khi vay OSAP th\u00ec s\u1edbm mu\u1ed9n g\u00ec c\u0169ng ph\u1ea3i tr\u1ea3, m\u1eb7c d\u00f9 trong OSAP c\u0169ng s\u1ebd c\u00f3 1 ph\u1ea7n tr\u1ee3 c\u1ea5p (grant) c\u1ee7a ch\u00ednh ph\u1ee7, nh\u01b0ng vi\u1ec7c ph\u1ee5 thu\u1ed9c ho\u00e0n to\u00e0n v\u00e0o OSAP kh\u00f4ng ph\u1ea3i l\u00e0 1 \u00fd t\u01b0\u1edfng hay n\u1ebfu b\u1ea1n kh\u00f4ng \u0111\u1ee7 ki\u1ebfn th\u1ee9c \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a \u0111\u01b0\u1ee3c d\u00f2ng ti\u1ec1n (m\u00e0 \u0111\u00e1ng l\u1ebd b\u1ea1n b\u1ecf v\u00e0o RESP) \u1edf th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i. Ngo\u00e0i ra, c\u1ea7n l\u01b0u \u00fd l\u00e0 RESP kh\u00f4ng \u1ea3nh h\u01b0\u1edfng t\u1edbi vi\u1ec7c vay OSAP n\u1ebfu b\u1ea1n c\u00f3 m\u1ed9t k\u1ebf ho\u1ea1ch h\u1ee3p l\u00fd. C\u01a1 b\u1ea3n th\u00ec b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng \u0111\u01b0\u1ee3c c\u1ea3 2 ngu\u1ed3n t\u00e0i ch\u00ednh n\u00e0y.<\/p>\n\n\n\n

5. Chuy\u1ec3n ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n RESP n\u00e0y qua t\u00e0i kho\u1ea3n RESP kh\u00e1c<\/strong><\/h2>\n\n\n\n

N\u1ebfu 2 t\u00e0i kho\u1ea3n RESP c\u00f9ng t\u00ean m\u1ed9t ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng ho\u1eb7c 2 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng \u1edf 2 t\u00e0i kho\u1ea3n l\u00e0 anh ch\u1ecb em, th\u00ec vi\u1ec7c chuy\u1ec3n ti\u1ec1n n\u00e0y kh\u00f4ng \u1ea3nh h\u01b0\u1edfng g\u00ec \u0111\u1ebfn thu\u1ebf. Tuy nhi\u00ean, n\u1ebfu 2 t\u00e0i kho\u1ea3n l\u00e0 2 t\u00ean ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng kh\u00e1c nhau th\u00ec s\u1ebd c\u00f3 \u1ea3nh h\u01b0\u1edfng v\u1ec1 v\u1ea5n \u0111\u1ec1 thu\u1ebf c\u0169ng nh\u01b0 ph\u1ea7n ti\u1ec1n tr\u1ee3 c\u1ea5p \u0111\u00e3 nh\u1eadn c\u1ee7a nh\u00e0 n\u01b0\u1edbc tr\u01b0\u1edbc \u0111\u00f3 c\u00f3 th\u1ec3 s\u1ebd ph\u1ea3i tr\u1ea3 l\u1ea1i. Ph\u1ea7n t\u00ednh n\u00e0y c\u00f3 \u0111\u1ed9 ph\u1ee9c t\u1ea1p n\u00ean m\u00ecnh kh\u00f4ng n\u00eau chi ti\u1ebft \u1edf \u0111\u00e2y.<\/p>\n\n\n\n

6. N\u1ebfu kh\u00f4ng s\u1eed d\u1ee5ng RESP, th\u00ec c\u00f3 nh\u1eefng l\u1ef1a ch\u1ecdn n\u00e0o?<\/strong><\/h2>\n\n\n\n

Kh\u00f4ng ph\u1ea3i tr\u1ebb n\u00e0o c\u0169ng l\u1ef1a ch\u1ecdn h\u1ecdc \u0111\u1ea1i h\u1ecdc, c\u0169ng nh\u01b0 trong 18 n\u0103m c\u00f3 th\u1ec3 c\u00f3 r\u1ea5t nhi\u1ec1u t\u00ecnh hu\u1ed1ng c\u00f3 th\u1ec3 x\u1ea3y ra cho tr\u1ebb. Trong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u1ea7n dung t\u1edbi RESP, b\u1ea1n c\u00f3 th\u1ec3 ch\u1ecdn 1 trong 4 l\u1ef1a ch\u1ecdn sau:<\/p>\n\n\n\n

– V\u1eabn gi\u1eef nguy\u00ean t\u00e0i kho\u1ea3n (cho t\u1edbi khi tr\u1ebb 35 tu\u1ed5i). Trong t\u01b0\u01a1ng lai c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng n\u1ebfu tr\u1ebb thay \u0111\u1ed5i \u00fd \u0111\u1ecbnh, quy\u1ebft \u0111\u1ecbnh quay l\u1ea1i tr\u01b0\u1eddng h\u1ecdc,<\/p>\n\n\n\n

– \u0110\u1ed5i t\u00ean ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng. N\u1ebfu b\u1ea1n c\u00f3 nhi\u1ec1u con, th\u00ec c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc \u0111\u1ebfn l\u1ef1a ch\u1ecdn n\u00e0y.<\/p>\n\n\n\n

– Chuy\u1ec3n ti\u1ec1n v\u00e0o m\u1ed9t t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m c\u00f3 \u0111\u0103ng k\u00fd (resgistered savings plans) kh\u00e1c, v\u00ed d\u1ee5 nh\u01b0 t\u00e0i kho\u1ea3n RRSP, \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a l\u1ee3i \u00edch v\u1ec1 thu\u1ebf.<\/p>\n\n\n\n

– \u0110\u00f3ng t\u00e0i kh\u1ecfan RESP. \u0110\u00e2y l\u00e0 ph\u01b0\u01a1ng \u00e1n cu\u1ed1i c\u00f9ng.<\/p>\n\n\n\n

V\u1edbi l\u1ef1a ch\u1ecdn 2 v\u00e0 l\u1ef1a ch\u1ecdn 3, ph\u1ea7n ti\u1ec1n tr\u1ee3 c\u1ea5p CESG, CLB, ti\u1ec1n t\u1eeb t\u1ec9nh b\u1ea3ng s\u1ebd ph\u1ea3i \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 l\u1ea1i cho nh\u00e0 n\u01b0\u1edbc. C\u00f2n ph\u1ea7n l\u00e3i su\u1ea5t ph\u00e1t sinh t\u1eeb \u0111\u1ea7u t\u01b0 s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh thu\u1ebf nh\u01b0 m\u1ee5c 4.3 m\u00ecnh \u0111\u00e3 \u0111\u1ec1 c\u1eadp \u1edf tr\u00ean.<\/p>\n\n\n\n

Khi quy\u1ebft \u0111\u1ecbnh x\u1eed l\u00fd ph\u1ea7n RESP n\u00e0y nh\u01b0 th\u1ebf n\u00e0o, b\u1ea1n n\u00ean t\u00ecm ki\u1ebfm m\u1ed9t ng\u01b0\u1eddi t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh – Financial Planner \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c gi\u1ea3i ph\u00e1p h\u1ee3p l\u00fd nh\u1ea5t v\u00e0 l\u1ee3i \u00edch nh\u1ea5t v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh nh\u00e9.<\/p>\n\n\n\n

\u1ede ph\u1ea7n sau- ph\u1ea7n cu\u1ed1i c\u00f9ng, m\u00ecnh s\u1ebd vi\u1ebft ti\u1ebfp v\u1ec1 c\u00e1c h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 RESP nh\u00e9.<\/p>\n\n\n\n

Sarah Do,<\/strong><\/em><\/p>\n\n\n\n

 <\/p>\n\n\n\n

Life, Health & Travel Insurance Advisor.<\/strong><\/em><\/p>\n\n\n\n

Disclaimer: <\/em><\/strong>B\u00e0i vi\u1ebft ch\u1ec9 nh\u1eb1m cung c\u1ea5p th\u00f4ng tin cho nh\u1eefng m\u1ee5c \u0111\u00edch c\u01a1 b\u1ea3n, v\u00e0 n\u00eau l\u00ean m\u1ed9t v\u00e0i quan \u0111i\u1ec3m c\u00e1 nh\u00e2n. \u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 l\u1eddi khuy\u00ean v\u1ec1 t\u00e0i ch\u00ednh, \u0111\u1ea7u t\u01b0, thu\u1ebf, k\u1ebf to\u00e1n hay b\u1ea5t k\u1ef3 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt n\u00e0o. C\u00e1 nh\u00e2n c\u00f3 nhu c\u1ea7u t\u01b0 v\u1ea5n v\u1ec1 c\u00e1c v\u1ea5n \u0111\u1ec1 tr\u00ean vui l\u00f2ng t\u00ecm ki\u1ebfm chuy\u00ean vi\u00ean t\u01b0 v\u1ea5n chuy\u00ean nghi\u1ec7p.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Ti\u1ebfp theo b\u00e0i vi\u1ebft ph\u1ea7n tr\u01b0\u1edbc v\u1ec1 RESP, ph\u1ea7n n\u00e0y m\u00ecnh s\u1ebd vi\u1ebft ti\u1ebfp v\u1ec1 ph\u1ea7n ti\u1ec1n AIP \u2013 Accumulated income payment trong t\u00e0i kho\u1ea3n RESP v\u00e0 nh\u1eefng l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0 cho t\u00e0i kho\u1ea3n RESP n\u00e0y. C\u00e1c b\u1ea1n xem l\u1ea1i c\u00e1c ph\u1ea7n c\u0169 \u1edf \u0111\u00e2y: Ph\u1ea7n 1: RESP l\u00e0 g\u00ec? Ph\u1ea7n 2: C\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a RESP \u0110\u1ec3 nh\u1eafc l\u1ea1i ph\u1ea7n c\u0169 ch\u00fat x\u00edu, m\u00ecnh c\u00f9ng nh\u00ecn l\u1ea1i c\u01a1 c\u1ea5u 1 t\u00e0i kho\u1ea3n RESP nh\u00e9: 4.3. Thanh to\u00e1n ph\u1ea7n thu nh\u1eadp t\u00edch l\u0169y – Accumulated income payment (AIPs) Ph\u1ea7n AIP n\u00e0y c\u00f3 th\u1ec3 hi\u1ec3u l\u00e0 ph\u1ea7n c\u00f2n d\u01b0 l\u1ea1i sau khi \u0111\u00e3 tr\u1eeb c\u00e1c kho\u1ea3n sau: – ph\u1ea7n ti\u1ec1n g\u1ed1c – ti\u1ec1n EAP \u0111\u00e3 \u0111\u01b0\u1ee3c chi ra – ti\u1ec1n ho\u00e0n tr\u1ea3 ph\u1ea7n CESG\/CLB\/ tr\u1ee3 c\u1ea5p t\u1ec9nh bang l\u1ea1i cho ch\u00ednh ph\u1ee7 – ti\u1ec1n \u0111\u00e3 chuy\u1ec3n qua m\u1ed9t t\u00e0i kho\u1ea3n RESP kh\u00e1c Ph\u1ea7n AIP n\u00e0y th\u01b0\u1eddng l\u00e0 \u0111\u01b0\u1ee3c tr\u1ea3 v\u1ec1 cho subscriber. Subscriber ph\u1ea3i l\u00e0 ng\u01b0\u1eddi c\u01b0 tr\u00fa (resident) t\u1ea1i Canada m\u1edbi \u0111\u01b0\u1ee3c nh\u1eadn ph\u1ea7n AIP n\u00e0y. \ud83d\udc49C\u00e1c tr\u01b0\u1eddng h\u1ee3p nh\u1eadn AIP: – RESP \u0111\u00e3 \u0111\u01b0\u1ee3c m\u1edf tr\u00ean 9 n\u0103m v\u00e0 t\u1ea5t c\u1ea3 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng trong t\u00e0i kho\u1ea3n n\u00e0y \u0111\u00e3 \u00edt nh\u1ea5t 21 tu\u1ed5i v\u00e0 kh\u00f4ng th\u1ecfa \u0111i\u1ec1u ki\u1ec7n nh\u1eadn EAP. – RESP \u0111\u00e3 \u0111\u01b0\u1ee3c m\u1edf 35 n\u0103m, tr\u1eeb nh\u1eefng h\u1ee3p \u0111\u1ed3ng m\u1edf RESP \u0111\u1eb7c bi\u1ec7t c\u00f3 quy \u0111\u1ecbnh chi tr\u1ea3 ph\u1ea7n AIP v\u00e0o n\u0103m th\u1ee9 40. – T\u1ea5t c\u1ea3 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng trong t\u00e0i kho\u1ea3n RESP \u0111\u00e3 qua \u0111\u1eddi. \ud83d\udc49 Ph\u1ea7n AIP \u0111\u01b0\u1ee3c t\u00ednh thu\u1ebf th\u1ebf n\u00e0o? AIP b\u1ecb \u0111\u00e1nh 2 ph\u1ea7n thu\u1ebf: – Thu\u1ebf th\u00f4ng th\u01b0\u1eddng (regular): t\u00ednh theo m\u1ee9c thu\u1ebf thu nh\u1eadp c\u1ee7a c\u00e1 nh\u00e2n subscriber c\u1ee7a n\u0103m nh\u1eadn ph\u1ea7n AIP n\u00e0y, – Thu\u1ebf b\u1ed5 sung (additional): 20% tr\u00ean t\u1ed5ng ph\u1ea7n AIP (12% t\u1ea1i Quebec). Xin nh\u1eafc l\u1ea1i l\u00e0 ph\u1ea7n AIP n\u00e0y c\u00f3 th\u1ec3 h\u00ecnh dung l\u00e0 ti\u1ec1n l\u1eddi do l\u00e3i su\u1ea5t ph\u00e1t sinh t\u1eeb ph\u1ea7n ti\u1ec1n g\u1ed1c (bao g\u1ed3m ti\u1ec1n \u0111\u00f3ng v\u00e0o v\u00e0 ti\u1ec1n tr\u1ee3 c\u1ea5p \u0111\u01b0\u1ee3c nh\u1eadn t\u1eeb nh\u00e0 n\u01b0\u1edbc). \ud83d\udc49 L\u00e0m c\u00e1ch n\u00e0o \u0111\u1ec3 gi\u1ea3m ti\u1ec1n AIP b\u1ecb t\u00ednh thu\u1ebf n\u00e0y? V\u00ec ph\u1ea7n ti\u1ec1n AIP b\u1ecb \u0111\u00e1nh thu\u1ebf cao nh\u01b0 v\u1eady, \u0111\u1ec3 tr\u00e1nh \u0111\u01b0\u1ee3c vi\u1ec7c tr\u1ea3 thu\u1ebf cao n\u1ebfu nh\u1eadn AIP s\u1edbm trong th\u1eddi gian thu nh\u1eadp c\u1ee7a subscriber \u0111ang r\u1ea5t cao, th\u00ec subscriber c\u00f3 th\u1ec3 chuy\u1ec3n s\u1ed1 ti\u1ec1n n\u00e0y v\u00e0o t\u00e0i kho\u1ea3n h\u01b0u tr\u00ed (RRSP, PRPP ho\u1eb7c SPP) c\u1ee7a m\u00ecnh ho\u1eb7c c\u1ee7a v\u1ee3\/ch\u1ed3ng m\u00ecnh. Vi\u1ec7c n\u00e0y kh\u00f4ng ch\u1ec9 gi\u00fap subscriber tr\u00ec ho\u00e3n vi\u1ec7c \u0111\u00f3ng thu\u1ebf tr\u00ean AIP m\u00e0 c\u00f2n gi\u00fap subscriber gi\u1ea3m \u0111\u01b0\u1ee3c income \u0111\u00f3ng thu\u1ebf c\u1ee7a n\u0103m \u0111\u00f3. M\u00ecnh s\u1ebd vi\u1ebft 1 b\u00e0i kh\u00e1c v\u1ec1 RRSP \u0111\u1ec3 gi\u1ea3i th\u00edch sau nh\u00e9. \ud83d\udc49 T\u1ea1i sao kh\u00f4ng t\u1eadn d\u1ee5ng vay OSAP thay v\u00ec ph\u1ea3i t\u1ef1 b\u1ecf ti\u1ec1n ti\u1ebft ki\u1ec7m v\u00e0o RESP? B\u1ea1n c\u00f3 ph\u1ea3i l\u00e0 ng\u01b0\u1eddi th\u00edch \u0111i vay n\u1ee3? OSAP l\u00e0 m\u1ed9t d\u1ea1ng vay n\u1ee3, n\u00ean khi vay OSAP th\u00ec s\u1edbm mu\u1ed9n g\u00ec c\u0169ng ph\u1ea3i tr\u1ea3, m\u1eb7c d\u00f9 trong OSAP c\u0169ng s\u1ebd c\u00f3 1 ph\u1ea7n tr\u1ee3 c\u1ea5p (grant) c\u1ee7a ch\u00ednh ph\u1ee7, nh\u01b0ng vi\u1ec7c ph\u1ee5 thu\u1ed9c ho\u00e0n to\u00e0n v\u00e0o OSAP kh\u00f4ng ph\u1ea3i l\u00e0 1 \u00fd t\u01b0\u1edfng hay n\u1ebfu b\u1ea1n kh\u00f4ng \u0111\u1ee7 ki\u1ebfn th\u1ee9c \u0111\u1ec3 t\u1ed1i \u01b0u h\u00f3a \u0111\u01b0\u1ee3c d\u00f2ng ti\u1ec1n (m\u00e0 \u0111\u00e1ng l\u1ebd b\u1ea1n b\u1ecf v\u00e0o RESP) \u1edf th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i. Ngo\u00e0i ra, c\u1ea7n l\u01b0u \u00fd l\u00e0 RESP kh\u00f4ng \u1ea3nh h\u01b0\u1edfng t\u1edbi vi\u1ec7c vay OSAP n\u1ebfu b\u1ea1n c\u00f3 m\u1ed9t k\u1ebf ho\u1ea1ch h\u1ee3p l\u00fd. C\u01a1 b\u1ea3n th\u00ec b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng \u0111\u01b0\u1ee3c c\u1ea3 2 ngu\u1ed3n t\u00e0i ch\u00ednh n\u00e0y. 5. Chuy\u1ec3n ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n RESP n\u00e0y qua t\u00e0i kho\u1ea3n RESP kh\u00e1c N\u1ebfu 2 t\u00e0i kho\u1ea3n RESP c\u00f9ng t\u00ean m\u1ed9t ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng ho\u1eb7c 2 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng \u1edf 2 t\u00e0i kho\u1ea3n l\u00e0 anh ch\u1ecb em, th\u00ec vi\u1ec7c chuy\u1ec3n ti\u1ec1n n\u00e0y kh\u00f4ng \u1ea3nh h\u01b0\u1edfng g\u00ec \u0111\u1ebfn thu\u1ebf. Tuy nhi\u00ean, n\u1ebfu 2 t\u00e0i kho\u1ea3n l\u00e0 2 t\u00ean ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng kh\u00e1c nhau th\u00ec s\u1ebd c\u00f3 \u1ea3nh h\u01b0\u1edfng v\u1ec1 v\u1ea5n \u0111\u1ec1 thu\u1ebf c\u0169ng nh\u01b0 ph\u1ea7n ti\u1ec1n tr\u1ee3 c\u1ea5p \u0111\u00e3 nh\u1eadn c\u1ee7a nh\u00e0 n\u01b0\u1edbc tr\u01b0\u1edbc \u0111\u00f3 c\u00f3 th\u1ec3 s\u1ebd ph\u1ea3i tr\u1ea3 l\u1ea1i. Ph\u1ea7n t\u00ednh n\u00e0y c\u00f3 \u0111\u1ed9 ph\u1ee9c t\u1ea1p n\u00ean m\u00ecnh kh\u00f4ng n\u00eau chi ti\u1ebft \u1edf \u0111\u00e2y. 6. N\u1ebfu kh\u00f4ng s\u1eed d\u1ee5ng RESP, th\u00ec c\u00f3 nh\u1eefng l\u1ef1a ch\u1ecdn n\u00e0o? Kh\u00f4ng ph\u1ea3i tr\u1ebb n\u00e0o c\u0169ng l\u1ef1a ch\u1ecdn h\u1ecdc \u0111\u1ea1i h\u1ecdc, c\u0169ng nh\u01b0 trong 18 n\u0103m c\u00f3 th\u1ec3 c\u00f3 r\u1ea5t nhi\u1ec1u t\u00ecnh hu\u1ed1ng c\u00f3 th\u1ec3 x\u1ea3y ra cho tr\u1ebb. Trong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u1ea7n dung t\u1edbi RESP, b\u1ea1n c\u00f3 th\u1ec3 ch\u1ecdn 1 trong 4 l\u1ef1a ch\u1ecdn sau: – V\u1eabn gi\u1eef nguy\u00ean t\u00e0i kho\u1ea3n (cho t\u1edbi khi tr\u1ebb 35 tu\u1ed5i). Trong t\u01b0\u01a1ng lai c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng n\u1ebfu tr\u1ebb thay \u0111\u1ed5i \u00fd \u0111\u1ecbnh, quy\u1ebft \u0111\u1ecbnh quay l\u1ea1i tr\u01b0\u1eddng h\u1ecdc, – \u0110\u1ed5i t\u00ean ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng. N\u1ebfu b\u1ea1n c\u00f3 nhi\u1ec1u con, th\u00ec c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc \u0111\u1ebfn l\u1ef1a ch\u1ecdn n\u00e0y. – Chuy\u1ec3n ti\u1ec1n v\u00e0o m\u1ed9t t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m c\u00f3 \u0111\u0103ng k\u00fd (resgistered savings plans) kh\u00e1c, v\u00ed d\u1ee5 nh\u01b0 t\u00e0i kho\u1ea3n RRSP, \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a l\u1ee3i \u00edch v\u1ec1 thu\u1ebf. – \u0110\u00f3ng t\u00e0i kh\u1ecfan RESP. \u0110\u00e2y l\u00e0 ph\u01b0\u01a1ng \u00e1n cu\u1ed1i c\u00f9ng. V\u1edbi l\u1ef1a ch\u1ecdn 2 v\u00e0 l\u1ef1a ch\u1ecdn 3, ph\u1ea7n ti\u1ec1n tr\u1ee3 c\u1ea5p CESG, CLB, ti\u1ec1n t\u1eeb t\u1ec9nh b\u1ea3ng s\u1ebd ph\u1ea3i \u0111\u01b0\u1ee3c ho\u00e0n tr\u1ea3 l\u1ea1i cho nh\u00e0 n\u01b0\u1edbc. C\u00f2n ph\u1ea7n l\u00e3i su\u1ea5t ph\u00e1t sinh t\u1eeb \u0111\u1ea7u t\u01b0 s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh thu\u1ebf nh\u01b0 m\u1ee5c 4.3 m\u00ecnh \u0111\u00e3 \u0111\u1ec1 c\u1eadp \u1edf tr\u00ean. Khi quy\u1ebft \u0111\u1ecbnh x\u1eed l\u00fd ph\u1ea7n RESP n\u00e0y nh\u01b0 th\u1ebf n\u00e0o, b\u1ea1n n\u00ean t\u00ecm ki\u1ebfm m\u1ed9t ng\u01b0\u1eddi t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh – Financial Planner \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c gi\u1ea3i ph\u00e1p h\u1ee3p l\u00fd nh\u1ea5t v\u00e0 l\u1ee3i \u00edch nh\u1ea5t v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh nh\u00e9. \u1ede ph\u1ea7n sau- ph\u1ea7n cu\u1ed1i c\u00f9ng, m\u00ecnh s\u1ebd vi\u1ebft ti\u1ebfp v\u1ec1 c\u00e1c h\u00ecnh th\u1ee9c \u0111\u1ea7u t\u01b0 RESP nh\u00e9. Sarah Do,   Life, Health & Travel Insurance Advisor. Disclaimer: B\u00e0i vi\u1ebft ch\u1ec9 nh\u1eb1m cung c\u1ea5p th\u00f4ng tin cho nh\u1eefng m\u1ee5c \u0111\u00edch c\u01a1 b\u1ea3n, v\u00e0 n\u00eau l\u00ean m\u1ed9t v\u00e0i quan \u0111i\u1ec3m c\u00e1 nh\u00e2n. \u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 l\u1eddi khuy\u00ean v\u1ec1 t\u00e0i ch\u00ednh, \u0111\u1ea7u t\u01b0, thu\u1ebf, k\u1ebf to\u00e1n hay b\u1ea5t k\u1ef3 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt n\u00e0o. C\u00e1 nh\u00e2n c\u00f3 nhu c\u1ea7u t\u01b0 v\u1ea5n v\u1ec1 c\u00e1c v\u1ea5n \u0111\u1ec1 tr\u00ean vui<\/p>\n","protected":false},"author":2,"featured_media":2956,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[25,46],"tags":[35,36,47],"class_list":["post-2954","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem","category-tai-chinh","tag-cuoc-song-canada","tag-life-in-canada","tag-tai-chinh"],"_links":{"self":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/2954","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/comments?post=2954"}],"version-history":[{"count":2,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/2954\/revisions"}],"predecessor-version":[{"id":3457,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/2954\/revisions\/3457"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media\/2956"}],"wp:attachment":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media?parent=2954"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/categories?post=2954"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/tags?post=2954"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}