{"id":3195,"date":"2024-10-28T22:35:21","date_gmt":"2024-10-28T17:35:21","guid":{"rendered":"https:\/\/101insurance.ca\/?p=3195"},"modified":"2025-03-27T16:52:09","modified_gmt":"2025-03-27T11:52:09","slug":"rrsp-tai-khoan-tiet-kiem-huu-tri-rrsp-phan-1-nhung-loi-ich-ve-thue","status":"publish","type":"post","link":"https:\/\/101insurance.ca\/vi\/rrsp-tai-khoan-tiet-kiem-huu-tri-rrsp-phan-1-nhung-loi-ich-ve-thue\/","title":{"rendered":"RRSP T\u00e0i kho\u1ea3n Ti\u1ebft ki\u1ec7m H\u01b0u tr\u00ed RRSP \u2013 Ph\u1ea7n 1: Nh\u1eefng l\u1ee3i \u00edch v\u1ec1 thu\u1ebf"},"content":{"rendered":"\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/101insurance.ca\/wp-content\/uploads\/2024\/10\/RRSP-phan-1-1024x1024.png\" alt=\"\"\/><\/figure>\n\n\n\n<p>Th\u1eddi gian qua c\u00f3 kh\u00e1 nhi\u1ec1u kh\u00e1ch h\u00e0ng h\u1ecfi m\u00ecnh v\u1ec1 RRSP, m\u1eb7c d\u00f9 m\u00ecnh kh\u00f4ng c\u00f3 license b\u00ean m\u1ea3ng \u0111\u1ea7u t\u01b0, nh\u01b0ng v\u00ec t\u00ednh ch\u1ea5t c\u00f4ng vi\u1ec7c c\u0169ng nh\u01b0 s\u1edf th\u00edch c\u00e1 nh\u00e2n m\u00e0 m\u00ecnh n\u1eafm kha kh\u00e1 nh\u1eefng ki\u1ebfn th\u1ee9c c\u0103n b\u1ea3n nh\u1eefng t\u00e0i kho\u1ea3n v\u1ec1 \u0111\u1ea7u t\u01b0 &amp; thu\u1ebf \u1edf Canada. M\u00ecnh th\u1ea5y kh\u00e1 \u0111\u00f4ng ng\u01b0\u1eddi Vi\u1ec7t m\u00ecnh ch\u01b0a th\u1eadt s\u1ef1 hi\u1ec3u h\u1ebft v\u1ec1 t\u00e0i kho\u1ea3n RRSP n\u00f3i chung c\u0169ng nh\u01b0 nh\u1eefng v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn h\u01b0u tr\u00ed. N\u1ebfu n\u00f3i chung v\u1ec1 h\u01b0u tr\u00ed th\u00ec \u0111\u00e2y l\u00e0 ch\u1ee7 \u0111\u1ec1 kh\u00e1 r\u1ed9ng n\u00ean m\u00ecnh s\u1ebd kh\u00f4ng \u0111\u00e0o s\u00e2u \u1edf \u0111\u00e2y. Trong b\u00e0i vi\u1ebft n\u00e0y m\u00ecnh s\u1ebd t\u1eadp trung vi\u1ebft v\u1ec1 T\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed RRSP (Registered Retirement Savings Plan).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. RRSP L\u00c0 G\u00cc?<\/strong><\/h2>\n\n\n\n<p>Registered Retirement Savings Plan (RRSP) l\u00e0 m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh k\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp b\u1edfi ch\u00ednh ph\u1ee7 Canada nh\u1eb1m khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi d\u00e2n l\u00ean k\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m cho th\u1eddi k\u1ef3 ngh\u1ec9 h\u01b0u. K\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111\u00f3ng g\u00f3p t\u1eeb ch\u00ednh b\u1ea1n ho\u1eb7c v\u1ee3\/ch\u1ed3ng c\u1ee7a b\u1ea1n ho\u1eb7c \u0111\u1ed1i t\u00e1c s\u1ed1ng chung (common law partner) c\u1ee7a b\u1ea1n. C\u00e1c \u0111\u00f3ng g\u00f3p v\u00e0o t\u00e0i kho\u1ea3n RRSP c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c&nbsp;<strong>kh\u1ea5u tr\u1eeb \u0111\u1ec3 gi\u1ea3m thu\u1ebf<\/strong>&nbsp;c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<p>B\u1ea5t k\u1ef3 thu nh\u1eadp n\u00e0o b\u1ea1n ki\u1ebfm \u0111\u01b0\u1ee3c trong t\u00e0i kho\u1ea3n RRSP th\u01b0\u1eddng \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf mi\u1ec5n l\u00e0 s\u1ed1 ti\u1ec1n qu\u1ef9 n\u00e0y lu\u00f4n n\u1eb1m trong t\u00e0i kho\u1ea3n RRSP; b\u1ea1n th\u01b0\u1eddng ph\u1ea3i n\u1ed9p thu\u1ebf khi b\u1ea1n nh\u1eadn l\u1ea1i ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m RRSP.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. C\u00c1CH M\u1ede T\u00c0I KHO\u1ea2N RRSP<\/strong><\/h2>\n\n\n\n<p>T\u01b0\u01a1ng t\u1ef1 nh\u01b0 RESP, K\u1ebf ho\u1ea1ch ti\u1ebft ki\u1ec7m H\u01b0u tr\u00ed RRSP gi\u1ed1ng nh\u01b0 m\u1ed9t c\u00e1i r\u01b0\u01a1ng m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn b\u1ecf v\u00e0o nhi\u1ec1u kho\u1ea3n \u0111\u1ea7u t\u01b0 kh\u00e1c nhau. C\u1ee5 th\u1ec3, b\u1ea1n c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0 v\u00e0o qu\u1ef9 t\u01b0\u01a1ng h\u1ed7 (mutual fund), qu\u1ef9 \u0111\u1ea7u t\u01b0 \u0111\u1ed9c l\u1eadp (Seg fund), \u0110\u1ea7u t\u01b0 \u0111\u1ea3m b\u1ea3o (GIC), ch\u1ee9ng kho\u00e1n (stock).v.v\u2026 Do v\u1eady, b\u1ea1n c\u00f3 th\u1ec3 m\u1edf t\u00e0i kho\u1ea3n RRSP th\u00f4ng qua c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh nh\u01b0 ng\u00e2n h\u00e0ng, h\u1ee3p t\u00e1c x\u00e3 t\u00edn d\u1ee5ng (credit union), qu\u1ef9 t\u00edn th\u00e1c (trust), c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.v.v\u2026<\/p>\n\n\n\n<p>B\u1ea1n c\u00f3 th\u1ec3 m\u1edf t\u00e0i kho\u1ea3n cho ch\u00ednh m\u00ecnh ho\u1eb7c cho v\u1ee3\/ch\u1ed3ng\/partner c\u1ee7a m\u00ecnh m\u00e0 b\u1ea1n l\u00e0 ng\u01b0\u1eddi \u0111\u00f3ng g\u00f3p v\u00e0o.<\/p>\n\n\n\n<p>M\u1ed9t trong nh\u1eefng c\u00e1i hay c\u1ee7a RRSP l\u00e0 gi\u00fap \u0111\u1ea3m b\u1ea3o r\u1eb1ng thu nh\u1eadp h\u01b0u tr\u00ed \u0111\u01b0\u1ee3c ph\u00e2n chia \u0111\u1ed3ng \u0111\u1ec1u h\u01a1n gi\u1eefa c\u1ea3 hai v\u1ee3 ch\u1ed3ng. L\u1ee3i \u00edch n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c t\u1ed1i \u0111a h\u00f3a khi ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp cao h\u01a1n \u0111\u00f3ng g\u00f3p v\u00e0o qu\u1ef9 h\u01b0u tr\u00ed cho ng\u01b0\u1eddi c\u00f2n l\u1ea1i. Nh\u01b0 v\u1eady ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp cao s\u1ebd \u0111\u01b0\u1ee3c l\u1ee3i v\u1ec1 thu\u1ebf trong ng\u1eafn h\u1ea1n (\u1edf th\u1eddi \u0111i\u1ec3m \u0111\u00f3ng g\u00f3p), v\u00e0 ng\u01b0\u1eddi h\u01b0\u1edfng l\u1ee3i t\u1eeb qu\u1ef9 h\u01b0u tr\u00ed (ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp th\u1ea5p h\u01a1n) th\u01b0\u1eddng s\u1ebd n\u1eb1m trong h\u1ea1n m\u1ee9c thu\u1ebf (tax bracket) th\u1ea5p h\u01a1n \u1edf th\u1eddi gian ngh\u1ec9 h\u01b0u.<\/p>\n\n\n\n<p>N\u1ebfu b\u1ea1n mu\u1ed1n x\u00e2y d\u1ef1ng v\u00e0 qu\u1ea3n l\u00fd danh m\u1ee5c \u0111\u1ea7u t\u01b0 c\u1ee7a m\u00ecnh b\u1eb1ng c\u00e1ch mua b\u00e1n nhi\u1ec1u lo\u1ea1i \u0111\u1ea7u t\u01b0 kh\u00e1c nhau, b\u1ea1n c\u00f3 th\u1ec3 thi\u1ebft l\u1eadp t\u00e0i kho\u1ea3n RRSP t\u1ef1 qu\u1ea3n l\u00fd. Tuy nhi\u00ean, kh\u00f4ng ph\u1ea3i lo\u1ea1i \u0111\u1ea7u t\u01b0 n\u00e0o c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn trong t\u00e0i kho\u1ea3n RRSP. CRA (s\u1edf thu\u1ebf) c\u00f3 nh\u1eefng quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 gi\u1edbi h\u1ea1n c\u00e1c lo\u1ea1i RRSP \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn. Tuy nhi\u00ean, n\u1ebfu b\u1ea1n l\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 c\u00e1 nh\u00e2n th\u00ec h\u1ea7u h\u1ebft nh\u1eefng lo\u1ea1i \u0111\u1ea7u t\u01b0 th\u00f4ng d\u1ee5ng m\u00e0 b\u1ea1n bi\u1ebft \u0111\u1ebfn \u0111\u1ec1u \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn. Xem th\u00eam h\u01b0\u1edbng d\u1eabn v\u1ec1 RRSP t\u1ef1 qu\u1ea3n l\u00fd t\u1ea1i \u0111\u00e2y.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. L\u1ee2I \u00cdCH C\u1ee6A RRSP<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>A. GI\u1ea2M THU\u1ebe THU NH\u1eacP C\u00c1 NH\u00c2N<\/strong><\/h3>\n\n\n\n<p>\u0110\u00f3ng g\u00f3p RRSP c\u1ee7a b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c tr\u1eeb tr\u1ef1c ti\u1ebfp v\u00e0o thu nh\u1eadp \u0111\u00f3ng thu\u1ebf. C\u1ee5 th\u1ec3, b\u1ea1n xem b\u1ea3ng khai thu\u1ebf trong NOA (Notice of Assessment) h\u00e0ng n\u0103m nh\u01b0 b\u00ean d\u01b0\u1edbi:<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/101insurance.ca\/wp-content\/uploads\/2024\/10\/NOA-form-281x300.png\" alt=\"\"\/><\/figure>\n\n\n\n<p>D\u00f2ng thu nh\u1eadp r\u00f2ng (line 236) = T\u1ed5ng thu nh\u1eadp (line 150) \u2013 C\u00e1c kho\u1ea3n \u0111\u01b0\u1ee3c gi\u1ea3m tr\u1eeb (deductions)<\/p>\n\n\n\n<p>RRSP s\u1ebd n\u1eb1m trong m\u1ee5c deduction n\u00e0y. V\u00ed d\u1ee5, thu nh\u1eadp c\u1ee7a b\u1ea1n n\u0103m 2021 l\u00e0 $70,000, b\u1ea1n \u0111\u00f3ng v\u00e0o RRSP trong n\u0103m 2021 l\u00e0 $10,000, th\u00ec line 236 c\u1ee7a b\u1ea1n l\u00fac n\u00e0y l\u00e0 $60,000. Nh\u01b0 v\u1eady ph\u1ea7n thu\u1ebf thu nh\u1eadp b\u1ea1n ph\u1ea3i \u0111\u00f3ng s\u1ebd d\u1ef1a tr\u00ean $60,000 n\u00e0y.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>B. H\u01af\u1edeNG L\u1ee2I TH\u00caM T\u1eea C\u00c1C PH\u00daC L\u1ee2I X\u00c3 H\u1ed8I KH\u00c1C<\/strong><\/h3>\n\n\n\n<p>Do line 236 l\u00e0 ti\u00eau chu\u1ea9n c\u1ee7a h\u1ea7u h\u1ebft c\u00e1c ph\u00fac l\u1ee3i x\u00e3 h\u1ed9i khi x\u00e9t t\u1edbi thu nh\u1eadp c\u00e1 nh\u00e2n\/ gia \u0111\u00ecnh. N\u00ean vi\u1ec7c gi\u1ea3m t\u1ed1i \u0111a line 236 s\u1ebd gi\u00fap b\u1ea1n t\u0103ng th\u00eam \u0111\u01b0\u1ee3c nhi\u1ec1u ph\u00fac l\u1ee3i kh\u00e1c b\u00ean c\u1ea1nh vi\u1ec7c gi\u1ea3m thu\u1ebf. C\u1ee5 th\u1ec3, nh\u1eefng ph\u00fac l\u1ee3i c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn b\u1ea1n l\u00e0 Canada Child Benefit CCB (ti\u1ec1n s\u1eefa), Daycare subsidy (tr\u1ee3 c\u1ea5p gi\u1eef tr\u1ebb), Canada Workers Benefit (CWB).v.v\u2026<\/p>\n\n\n\n<p>V\u00ed d\u1ee5, ti\u1ec1n CCB l\u00e0 ph\u1ea7n thu nh\u1eadp r\u1ea5t quan tr\u1ecdng c\u1ee7a gia \u0111\u00ecnh m\u00ecnh, n\u00ean m\u00ecnh s\u1ebd t\u00ednh to\u00e1n r\u1ea5t c\u1ee5 th\u1ec3 b\u00e0i to\u00e1n nh\u01b0 th\u1ebf n\u00e0y:<\/p>\n\n\n\n<p>Gia \u0111\u00ecnh m\u00ecnh c\u00f3 2 tr\u1ebb, v\u1edbi m\u1ed7i \u0111\u00f4 la thu nh\u1eadp tr\u00ean $34,863 v\u00e0 d\u01b0\u1edbi $75,537, m\u00ecnh s\u1ebd b\u1ecb tr\u1eeb $0.135 (t\u1ee9c 13.5%). Nh\u01b0 v\u1eady n\u1ebfu m\u00ecnh quy\u1ebft \u0111\u1ecbnh kh\u00f4ng d\u00f9ng ph\u1ea7n thu nh\u1eadp d\u01b0 ra c\u1ee7a m\u00ecnh b\u1ecf v\u00e0o RRSP m\u00e0 m\u00ecnh \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c k\u00eanh kh\u00e1c (nh\u01b0 nh\u00e0 \u0111\u1ea5t ho\u1eb7c TFSA), th\u00ec c\u00e2u h\u1ecfi \u0111\u1eb7t ra r\u1eb1ng: Li\u1ec7u k\u00eanh \u0111\u1ea7u t\u01b0 \u0111\u00f3 c\u00f3 \u0111em l\u1ea1i l\u1ee3i nhu\u1eadn tr\u00ean 13.5%\/n\u0103m hay kh\u00f4ng? \u0110\u00f3 l\u00e0 ch\u01b0a k\u1ec3 ph\u1ea7n thu nh\u1eadp \u0111\u00f3ng thu\u1ebf b\u1ecb cao h\u01a1n? V\u1eady n\u00ean m\u1eb7c d\u00f9 ti\u1ec1n ti\u1ebft ki\u1ec7m v\u00e0o t\u00e0i kho\u1ea3n RRSP kh\u00f4ng c\u00f3 t\u00ednh linh \u0111\u1ed9ng, nh\u01b0ng n\u00f3 s\u1ebd \u1ea3nh h\u01b0\u1edfng nhi\u1ec1u t\u1edbi c\u00e1c ph\u00fac l\u1ee3i kh\u00e1c c\u1ee7a m\u1ed9t gia \u0111\u00ecnh m\u00e0 ch\u00fang ta n\u00ean c\u00e2n nh\u1eafc k\u1ef9 trong vi\u1ec7c l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh cho ri\u00eang gia \u0111\u00ecnh m\u00ecnh.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>C. L\u1ee2I \u00cdCH V\u1ec0 THU\u1ebe KHI NH\u1eacN TI\u1ec0N RA T\u1eea RRSP KHI V\u1ec0 H\u01afU<\/strong><\/h3>\n\n\n\n<p>RRSP l\u00e0 m\u1ed9t d\u1ea1ng t\u00e0i kho\u1ea3n \u201cho\u00e3n thu\u1ebf\u201d. T\u1ee9c l\u00e0 \u1edf th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i, ph\u1ea7n \u0111\u00f3ng g\u00f3p v\u00e0o RRSP s\u1ebd \u0111\u01b0\u1ee3c tr\u1eeb \u0111i v\u00e0o thu nh\u1eadp \u0111\u00f3ng thu\u1ebf, tuy nhi\u00ean khi r\u00fat ti\u1ec1n ra t\u1eeb t\u00e0i kho\u1ea3n n\u00e0y l\u00fac b\u1ea1n v\u1ec1 h\u01b0u, ph\u1ea7n ti\u1ec1n r\u00fat ra s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh nh\u01b0 l\u00e0 thu nh\u1eadp c\u1ee7a b\u1ea1n. Do v\u1eady, b\u1ea1n s\u1ebd ph\u1ea3i \u0111\u00f3ng thu\u1ebf tr\u00ean ph\u1ea7n thu nh\u1eadp n\u00e0y. Tuy nhi\u00ean, s\u1ed1 \u0111\u00f4ng nh\u1eefng ng\u01b0\u1eddi v\u1ec1 h\u01b0u s\u1ebd kh\u00f4ng c\u00f3 thu nh\u1eadp cao, n\u00ean h\u1ea1n m\u1ee9c thu\u1ebf t\u1ea1i th\u1eddi \u0111i\u1ec3m b\u1ea1n ngh\u1ec9 h\u01b0u s\u1ebd th\u1ea5p h\u01a1n th\u1eddi \u0111i\u1ec3m hi\u1ec7n t\u1ea1i. Ngo\u00e0i ra, ph\u1ea7n l\u1ee3i su\u1ea5t t\u1eeb \u0111\u1ea7u t\u01b0 c\u1ee7a b\u1ea1n khi r\u00fat ra t\u1eeb t\u00e0i kho\u1ea3n RRIF s\u1ebd kh\u00f4ng b\u1ecb \u0111\u00f3ng thu\u1ebf. M\u00ecnh s\u1ebd gi\u1ea3i th\u00edch th\u00eam v\u1ec1 t\u00e0i kho\u1ea3n RRIF \u1edf ph\u1ea7n sau nh\u00e9.<\/p>\n\n\n\n<p>\u0110\u1ec3 c\u00e1c b\u1ea1n kh\u00f4ng b\u1ecb \u201cng\u1ee3p\u201d v\u00ec b\u00e0i vi\u1ebft qu\u00e1 d\u00e0i. M\u00ecnh s\u1ebd t\u00e1ch ch\u1ee7 \u0111\u1ec1 RRSP th\u00e0nh 2 b\u00e0i. \u1ede ph\u1ea7n 2, m\u00ecnh s\u1ebd n\u00f3i v\u1ec1 c\u01a1 ch\u1ebf ho\u1ea1t \u0111\u1ed9ng c\u1ee7a RRSP bao g\u1ed3m: h\u00ecnh th\u1ee9c \u0111\u00f3ng ti\u1ec1n, r\u00fat ti\u1ec1n v\u00e0 c\u00e1c c\u00e2u h\u1ecfi kh\u00e1c xung quanh t\u00e0i kho\u1ea3n n\u00e0y.<\/p>\n\n\n\n<p><strong><em>Sarah Do,<\/em><\/strong><\/p>\n\n\n\n<p><strong><em>Life, Health &amp; Travel Insurance Advisor.<\/em><\/strong><\/p>\n\n\n\n<p><em><strong>Disclaimer:&nbsp;<\/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":"<p> M\u00ecnh th\u1ea5y kh\u00e1 \u0111\u00f4ng ng\u01b0\u1eddi Vi\u1ec7t m\u00ecnh ch\u01b0a th\u1eadt s\u1ef1 hi\u1ec3u h\u1ebft v\u1ec1 t\u00e0i kho\u1ea3n RRSP n\u00f3i chung c\u0169ng nh\u01b0 nh\u1eefng v\u1ea5n \u0111\u1ec1 li\u00ean quan \u0111\u1ebfn h\u01b0u tr\u00ed. N\u1ebfu n\u00f3i chung v\u1ec1 h\u01b0u tr\u00ed th\u00ec \u0111\u00e2y l\u00e0 ch\u1ee7 \u0111\u1ec1 kh\u00e1 r\u1ed9ng n\u00ean m\u00ecnh s\u1ebd kh\u00f4ng \u0111\u00e0o s\u00e2u \u1edf \u0111\u00e2y. Trong b\u00e0i vi\u1ebft n\u00e0y m\u00ecnh s\u1ebd t\u1eadp trung vi\u1ebft v\u1ec1 T\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed RRSP (Registered Retirement Savings Plan).<\/p>\n","protected":false},"author":2,"featured_media":3196,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[27,46],"tags":[],"class_list":["post-3195","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-tai-chinh"],"_links":{"self":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3195","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=3195"}],"version-history":[{"count":2,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3195\/revisions"}],"predecessor-version":[{"id":3440,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3195\/revisions\/3440"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media\/3196"}],"wp:attachment":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media?parent=3195"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/categories?post=3195"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/tags?post=3195"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}