{"id":3206,"date":"2024-10-28T22:41:50","date_gmt":"2024-10-28T17:41:50","guid":{"rendered":"https:\/\/101insurance.ca\/?p=3206"},"modified":"2025-03-27T16:51:09","modified_gmt":"2025-03-27T11:51:09","slug":"tai-khoan-tiet-kiem-huu-tri-rrsp-phan-2-co-cau-hoat-dong","status":"publish","type":"post","link":"https:\/\/101insurance.ca\/vi\/tai-khoan-tiet-kiem-huu-tri-rrsp-phan-2-co-cau-hoat-dong\/","title":{"rendered":"T\u00e0i kho\u1ea3n Ti\u1ebft ki\u1ec7m H\u01b0u tr\u00ed RRSP \u2013 Ph\u1ea7n 2: C\u01a1 c\u1ea5u ho\u1ea1t \u0111\u1ed9ng"},"content":{"rendered":"\n
\"\"\/<\/figure>\n\n\n\n

Ti\u1ebfp theo ph\u1ea7n 1 gi\u1edbi thi\u1ec7u v\u1ec1 RRSP & nh\u1eefng l\u1ee3i \u00edch v\u1ec1 thu\u1ebf c\u1ee7a RRSP, ph\u1ea7n n\u00e0y m\u00ecnh s\u1ebd ti\u1ebfp t\u1ee5c \u0111i s\u00e2u h\u01a1n v\u1ec1 c\u01a1 c\u1ea5u 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

3. \u0110\u00d3NG TI\u1ec0N V\u00c0O T\u00c0I KHO\u1ea2N RRSP<\/strong><\/h2>\n\n\n\n

A. H\u1ea0N M\u1ee8C (ROOM)<\/strong><\/h3>\n\n\n\n

Do RRSP c\u00f3 \u01b0u th\u1ebf nh\u1ea5t \u0111\u1ecbnh v\u1ec1 thu\u1ebf, n\u00ean m\u1ed7i ng\u01b0\u1eddi ch\u1ec9 \u0111\u01b0\u1ee3c h\u1ea1n m\u1ee9c \u0111\u00f3ng t\u1ed1i \u0111a l\u00e0 18% thu nh\u1eadp n\u0103m tr\u01b0\u1edbc \u0111\u00f3. Tuy nhi\u00ean, \u0111\u1ec3 h\u1ea1n ch\u1ebf vi\u1ec7c nh\u1eefng ng\u01b0\u1eddi thu nh\u1eadp cao \u201cl\u1ee3i d\u1ee5ng\u201d tr\u00e1nh thu\u1ebf, h\u1ea1n m\u1ee9c n\u00e0y c\u00f2n \u0111\u01b0\u1ee3c gi\u1edbi h\u1ea1n con s\u1ed1 cao nh\u1ea5t theo t\u1eebng n\u0103m. V\u00ed d\u1ee5, h\u1ea1n m\u1ee9c n\u0103m 2022 l\u00e0 $29,210. Hay n\u00f3i 1 c\u00e1ch d\u1ec5 hi\u1ec3u, n\u1ebfu 18% thu nh\u1eadp n\u0103m ngo\u00e1i c\u1ee7a b\u1ea1n cao h\u01a1n $29,210, th\u00ec m\u1ee9c t\u1ed1i \u0111a b\u1ea1n c\u00f3 th\u1ec3 \u0111\u00f3ng v\u00e0o RRSP ch\u1ec9 l\u00e0 $29,210.<\/p>\n\n\n\n

Tuy nhi\u00ean c\u1ee5 th\u1ec3 H\u1ea1n m\u1ee9c cho t\u1eebng n\u0103m khai thu\u1ebf v\u1eabn s\u1ebd c\u00f3 th\u1ec3 cao h\u01a1n ho\u1eb7c th\u1ea5p h\u01a1n m\u1ee9c 18% thu nh\u1eadp n\u0103m ngo\u00e1i c\u1ee7a b\u1ea1n. Do trong ph\u1ea7n c\u00f4ng th\u1ee9c \u0111\u1ec3 t\u00ednh h\u1ea1n m\u1ee9c RRSP n\u0103m hi\u1ec7n t\u1ea1i s\u1ebd c\u00f3 th\u1ec3 c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o vi\u1ec7c li\u1ec7u b\u1ea1n c\u00f3 d\u01b0 room c\u1ee7a n\u0103m tr\u01b0\u1edbc \u0111\u00f3 hay kh\u00f4ng, ch\u1ee7 lao \u0111\u1ed9ng (employer) c\u1ee7a b\u1ea1n c\u00f3 \u0111\u00f3ng RRSP cho b\u1ea1n (m\u1ed9t d\u1ea1ng ph\u00fac l\u1ee3i) hay kh\u00f4ng,v.v\u2026 Do kho\u1ea3n n\u00e0y kh\u00e1 chuy\u00ean s\u00e2u v\u1ec1 m\u1eb7t k\u1ebf to\u00e1n n\u00ean m\u00ecnh s\u1ebd kh\u00f4ng n\u00f3i chi ti\u1ebft t\u1ea1i \u0111\u00e2y. Tuy nhi\u00ean, b\u1ea1n c\u00f3 th\u1ec3 ki\u1ec3m tra room \u0111\u00f3ng cho n\u0103m 2023 tr\u00ean t\u1edd khai thu\u1ebf NOA n\u0103m (tax year) 2022.<\/p>\n\n\n\n

B. TH\u1edcI GIAN \u0110\u01af\u1ee2C \u0110\u00d3NG TI\u1ec0N V\u00c0O RRSP<\/strong><\/h3>\n\n\n\n

B\u1ea1n c\u00f3 th\u1ec3 \u0111\u00f3ng v\u00e0o RRSP t\u1eeb khi b\u1ea1n b\u1eaft \u0111\u1ea7u c\u00f3 s\u1ed1 SIN (t\u1ee9c c\u00f3 th\u1ec3 t\u1eeb l\u00fac nh\u1ecf) t\u1edbi khi b\u1ea1n \u0111\u1ee7 71 tu\u1ed5i. N\u1ebfu b\u1ea1n \u0111\u00f3ng v\u00e0o t\u00e0i kho\u1ea3n RRSP c\u1ee7a v\u1ee3\/ch\u1ed3ng b\u1ea1n th\u00ec b\u1ea1n c\u00f3 th\u1ec3 \u0111\u00f3ng t\u1edbi khi v\u1ee3\/ch\u1ed3ng b\u1ea1n 71 tu\u1ed5i.<\/p>\n\n\n\n

C. H\u1ea0N CH\u00d3T \u0110\u00d3NG V\u00c0O RRSP M\u1ed6I N\u0102M<\/strong><\/h3>\n\n\n\n

Th\u01b0\u1eddng h\u1ea1n ch\u00f3t \u0111\u00f3ng RRSP kh\u00f4ng ph\u1ea3i l\u00e0 cu\u1ed1i n\u0103m d\u01b0\u01a1ng l\u1ecbch, m\u00e0 s\u1ebd r\u01a1i v\u00e0o ng\u00e0y \u0111\u1ea7u ti\u00ean c\u1ee7a th\u00e1ng ba ho\u1eb7c ng\u00e0y cu\u1ed1i th\u00e1ng 2. V\u00ed d\u1ee5 h\u1ea1n ch\u00f3t \u0111\u1ec3 \u0111\u00f3ng v\u00e0o RRSP \u0111\u1ec3 khai thu\u1ebf ph\u1ea7n RRSP b\u1ea1n \u0111\u00e3 \u0111\u00f3ng cho n\u0103m 2023 s\u1ebd r\u01a1i v\u00e0o ng\u00e0y 29 th\u00e1ng 2, 2024. T\u1ee9c l\u00e0 n\u1ebfu b\u1ea1n khai thu\u1ebf v\u00e0o th\u00e1ng 3\/2024, th\u00ec ph\u1ea7n ti\u1ec1n b\u1ea1n \u0111\u00f3ng v\u00e0o RRSP t\u1eeb th\u00e1ng 1-th\u00e1ng 2 n\u0103m 2024 v\u1eabn \u0111\u01b0\u1ee3c c\u1ed9ng v\u00e0o ph\u1ea7n \u0111\u00f3ng c\u1ee7a RRSP n\u0103m 2023. \u0110\u1ec3 bi\u1ebft h\u1ea1n ch\u00f3t \u0111\u00f3ng cho n\u0103m hi\u1ec7n t\u1ea1i b\u1ea1n ch\u1ec9 c\u1ea7n search google \u201cDeadline for RRSP contribution this year\u201d l\u00e0 ra.<\/p>\n\n\n\n

4. DI CHUY\u1ec2N TI\u1ec0N GI\u1eeeA T\u00c0I KHO\u1ea2N RRSP V\u00c0 C\u00c1C T\u00c0I KHO\u1ea2N KH\u00c1C<\/strong><\/h2>\n\n\n\n

B\u1ea1n c\u00f3 th\u1ec3 chuy\u1ec3n ti\u1ec1n t\u1eeb c\u00e1c t\u00e0i kho\u1ea3n \u0111\u0103ng k\u00fd (registered) kh\u00e1c v\u00e0o t\u00e0i kho\u1ea3n RRSP m\u00e0 v\u1eabn \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i \u201cho\u00e3n thu\u1ebf\u201d t\u1eeb c\u00e1c t\u00e0i kho\u1ea3n \u0111\u00f3. C\u1ee5 th\u1ec3 m\u1ed9t s\u1ed1 lo\u1ea1i t\u00e0i kho\u1ea3n m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 chuy\u1ec3n qua RRSP l\u00e0 registered pension plan (RPP), registered retirement income fund (RRIF), specified pension plan (SPP), deferred profit sharing plan (DPSP), pooled registered pension plan (PRPP), ho\u1eb7c first home savings account (FHSA). Trong s\u1ed1 \u0111\u00f3 th\u00ec c\u00f3 th\u1ec3 lo\u1ea1i c\u00e1c b\u1ea1n \u0111ang quan t\u00e2m nh\u1ea5t l\u00e0 FHSA, n\u00ean m\u00ecnh s\u1ebd note th\u00eam r\u1eb1ng: S\u1ed1 ti\u1ec1n m\u00e0 b\u1ea1n chuy\u1ec3n tr\u1ef1c ti\u1ebfp<\/strong> t\u1eeb t\u00e0i kho\u1ea3n FHSA qua RRSP s\u1ebd ho\u00e0n to\u00e0n kh\u00f4ng \u1ea3nh h\u01b0\u1edfng t\u1edbi h\u1ea1n m\u1ee9c (contribution room) c\u1ee7a t\u00e0i kho\u1ea3n RRSP nh\u00e9.<\/p>\n\n\n\n

5. R\u00daT TI\u1ec0N T\u1eea RRSP TR\u01af\u1edaC NGH\u1ec8 H\u01afU<\/strong><\/h2>\n\n\n\n

Ph\u1ea7n ti\u1ec1n b\u1ea1n r\u00fat ra t\u1eeb t\u00e0i kho\u1ea3n RRSP tr\u01b0\u1edbc khi ngh\u1ec9 h\u01b0u s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o thu nh\u1eadp n\u0103m b\u1ea1n r\u00fat ra. \u0110\u1ed3ng th\u1eddi b\u1ea1n s\u1ebd b\u1ecb T\u1ea0M gi\u1eef l\u1ea1i kho\u1ea3ng 10-30% t\u1ed5ng ti\u1ec1n b\u1ea1n r\u00fat ra (g\u1ecdi l\u00e0 withhold tax) t\u00f9y theo t\u1ec9nh bang b\u1ea1n s\u1ed1ng & s\u1ed1 ti\u1ec1n m\u00e0 b\u1ea1n r\u00fat ra. \u0110\u00e2y g\u1ecdi l\u00e0 \u201cwithhold\u201d v\u00ec ph\u1ea7n ti\u1ec1n n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c tr\u1ea3 l\u1ea1i (ho\u1eb7c kh\u00f4ng) t\u00f9y theo ngh\u0129a v\u1ee5 \u0111\u00f3ng thu\u1ebf c\u1ee7a b\u1ea1n sau khi b\u1ea1n khai thu\u1ebf. Ngo\u00e0i ra, ph\u1ea7n l\u1ee3i nhu\u1eadn ph\u00e1t sinh t\u1eeb t\u00e0i kho\u1ea3n n\u00e0y s\u1ebd b\u1ecb t\u00ednh thu\u1ebf t\u00f9y theo lo\u1ea1i h\u00ecnh l\u1ee3i nhu\u1eadn m\u00e0 b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c. Tuy nhi\u00ean, v\u1edbi nh\u1eefng t\u00e0i kho\u1ea3n d\u1ea1ng locked-in th\u00ec b\u1ea1n s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p r\u00fat ra tr\u01b0\u1edbc khi ngh\u1ec9 h\u01b0u. V\u1eady n\u00ean khi m\u1edf t\u00e0i kho\u1ea3n RRSP b\u1ea1n n\u00ean h\u1ecfi r\u00f5 n\u01a1i b\u1ea1n m\u1edf l\u00e0 t\u00e0i kho\u1ea3n c\u1ee7a b\u1ea1n c\u00f3 ph\u1ea3i d\u1ea1ng lock-in hay kh\u00f4ng. B\u00ean c\u1ea1nh \u0111\u00f3, m\u1ed9t s\u1ed1 t\u00e0i kho\u1ea3n RRSP \u1edf bank c\u0169ng c\u00f3 th\u1ec3 charge m\u1ed9t ph\u1ea7n ph\u00ed khi b\u1ea1n r\u00fat ti\u1ec1n kh\u1ecfi RRSP.<\/p>\n\n\n\n

6. S\u1eec D\u1ee4NG TI\u1ec0N RRSP SAU KHI NGH\u1ec8 H\u01afU<\/strong><\/h2>\n\n\n\n

Khi \u0111\u1ebfn tu\u1ed5i ngh\u1ec9 h\u01b0u (65 tu\u1ed5i), b\u1ea1n c\u00f3 th\u1ec3 ch\u1ecdn nh\u1eefng ph\u01b0\u01a1ng \u00e1n sau \u0111\u1ec3 s\u1eed d\u1ee5ng t\u00e0i kho\u1ea3n RRSP nh\u01b0 m\u1ed9t ph\u1ea7n thu nh\u1eadp khi b\u1ea1n v\u1ec1 h\u01b0u:<\/p>\n\n\n\n

a. Chuy\u1ec3n tr\u1ef1c ti\u1ebfp to\u00e0n b\u1ed9 t\u00e0i kho\u1ea3n RRSP sang Qu\u1ef9 thu nh\u1eadp H\u01b0u tr\u00ed RRIF (registered retirement income fund)<\/strong><\/h3>\n\n\n\n

Sau khi chuy\u1ec3n ti\u1ec1n qua Qu\u1ef9 RRIF, b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c nh\u1eadn m\u1ed9t ph\u1ea7n ti\u1ec1n t\u1ed1i thi\u1ec3u v\u00e0o m\u1ed7i n\u0103m t\u1eeb Qu\u1ef9 n\u00e0y c\u1ee7a b\u1ea1n. M\u1ee9c t\u1ed1i thi\u1ec3u n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh theo m\u1ed9t c\u00f4ng th\u1ee9c d\u1ef1a tr\u00ean t\u1ed5ng gi\u00e1 tr\u1ecb c\u1ee7a t\u00e0i kho\u1ea3n RRIF v\u00e0 \u0111\u1ed9 tu\u1ed5i c\u1ee7a b\u1ea1n. Nh\u01b0 \u0111\u00e3 n\u00f3i \u1edf b\u00e0i tr\u01b0\u1edbc, ph\u1ea7n thu nh\u1eadp n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o thu nh\u1eadp \u0111\u00f3ng thu\u1ebf t\u1ea1i th\u1eddi \u0111i\u1ec3m b\u1ea1n nh\u1eadn ti\u1ec1n.<\/p>\n\n\n\n

b. D\u00f9ng ti\u1ec1n trong RRSP \u0111\u1ec3 mua Ni\u00ean Kim (annuity)<\/strong><\/h3>\n\n\n\n

C\u00f3 l\u1ebd \u0111a ph\u1ea7n ng\u01b0\u1eddi Vi\u1ec7t m\u00ecnh kh\u00f4ng bi\u1ebft kh\u00e1i ni\u1ec7m Ni\u00ean kim n\u00e0y. C\u00f3 th\u1ec3 n\u00f3i 1 c\u00e1ch \u0111\u01a1n gi\u1ea3n t\u00ed x\u00edu th\u00ec Ni\u00ean Kim l\u00e0 m\u1ed9t d\u1ea1ng b\u1ea3o hi\u1ec3m t\u00e0i ch\u00ednh. G\u00f3i b\u1ea3o hi\u1ec3m n\u00e0y s\u1ebd \u0111\u1ea3m b\u1ea3o cung c\u1ea5p cho b\u1ea1n m\u1ed9t ngu\u1ed3n thu nh\u1eadp c\u1ed1 \u0111\u1ecbnh trong m\u1ed9t kho\u1ea3ng th\u1eddi gian n\u00e0o \u0111\u00f3. V\u00ed d\u1ee5: B\u1ea1n c\u00f3 th\u1ec3 d\u00f9ng $200,000 mua m\u1ed9t Ni\u00ean Kim; Ni\u00ean Kim n\u00e0y cam k\u1ebft s\u1ebd tr\u1ea3 cho b\u1ea1n $950\/th\u00e1ng cho t\u1edbi khi b\u1ea1n qua \u0111\u1eddi. L\u1ee3i v\u00e0 h\u1ea1i c\u1ee7a l\u1ef1a ch\u1ecdn n\u00e0y m\u00ecnh s\u1ebd kh\u00f4ng l\u1ea1m b\u00e0n \u1edf \u0111\u00e2y \u0111\u1ec3 tr\u00e1nh b\u00e0i vi\u1ebft qu\u00e1 d\u00e0i.<\/p>\n\n\n\n

c. R\u00fat to\u00e0n b\u1ed9 ti\u1ec1n kh\u1ecfi RRSP<\/strong><\/h3>\n\n\n\n

\u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1i \u01b0u n\u1ebfu b\u1ea1n kh\u00f4ng c\u00f3 k\u1ebf ho\u1ea1ch s\u1eed d\u1ee5ng to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n n\u00e0y h\u1ee3p l\u00fd. V\u00ec vi\u1ec7c r\u00fat h\u1ebft 1 l\u1ea7n s\u1ed1 ti\u1ec1n d\u00e0nh d\u1ee5m c\u1ea3 \u0111\u1eddi c\u00f3 th\u1ec3 s\u1ebd khi\u1ebfn thu nh\u1eadp \u0111\u00f3ng thu\u1ebf c\u1ee7a b\u1ea1n v\u00e0o n\u0103m b\u1ea1n r\u00fat ra cao ch\u00f3t v\u00f3t. Tuy nhi\u00ean, \u0111\u00e2y v\u1eabn c\u00f3 th\u1ec3 l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t n\u1ebfu b\u1ea1n c\u00f3 m\u1ed9t k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u1ee5 th\u1ec3 c\u1ea7n dung ngay to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n n\u00e0y.<\/p>\n\n\n\n

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

<\/p>\n\n\n\n

 <\/h5>\n\n\n\n

7. C\u00c1C C\u00c2U H\u1eceI KH\u00c1C TH\u01af\u1edcNG G\u1eb6P<\/strong><\/h2>\n\n\n\n

\"\ud83d\udc49\" N\u1ebfu l\u1ee1 \u0111\u00f3ng qu\u00e1 h\u1ea1n m\u1ee9c RRSP th\u00ec c\u00f3 sao kh\u00f4ng?<\/strong><\/p>\n\n\n\n

N\u1ebfu b\u1ea1n l\u1ee1 \u0111\u00f3ng l\u1ed1 d\u01b0\u1edbi $2,000 th\u00ec kh\u00f4ng \u1ea3nh h\u01b0\u1edfng g\u00ec, ph\u1ea7n room c\u1ee7a b\u1ea1n trong n\u0103m ti\u1ebfp theo s\u1ebd b\u1ecb tr\u1eeb b\u1edbt \u0111i. Nh\u01b0ng n\u1ebfu ph\u1ea7n l\u1ed1 tr\u00ean $2,000, th\u00ec b\u1ea1n s\u1ebd ph\u1ea3i \u0111\u00f3ng thu\u1ebf 1% tr\u00ean ph\u1ea7n \u0111\u00f3ng thu\u1ebf n\u00e0y. N\u1ebfu b\u1ea1n r\u00fat ra ph\u1ea7n d\u01b0 trong v\u00f2ng 1 th\u00e1ng k\u1ec3 t\u1eeb ng\u00e0y b\u1ea1n \u0111\u00f3ng ph\u1ea7n d\u01b0 n\u00e0y v\u00e0o th\u00ec c\u0169ng s\u1ebd kh\u00f4ng b\u1ecb t\u00ednh thu\u1ebf.<\/p>\n\n\n\n

\"\ud83d\udc49\" RRSP s\u1ebd ra sao n\u1ebfu t\u00f4i m\u1ea5t tr\u01b0\u1edbc khi RRSP \u0111\u00e1o h\u1ea1n (t\u1ee9c tr\u01b0\u1edbc 71 tu\u1ed5i)?<\/strong><\/p>\n\n\n\n

N\u1ebfu t\u00e0i kho\u1ea3n RRSP ho\u1eb7c di ch\u00fac c\u1ee7a b\u1ea1n ch\u1ec9 \u0111\u1ecbnh c\u1ee5 th\u1ec3 ng\u01b0\u1eddi th\u1eeba h\u01b0\u1edfng l\u00e0 spouse\/ common law partner, th\u00ec s\u1ed1 ti\u1ec1n n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c chuy\u1ec3n tr\u1ef1c ti\u1ebfp v\u00e0o t\u00e0i kho\u1ea3n RRSP ho\u1eb7c t\u00e0i kho\u1ea3n RRIF c\u1ee7a spouse\/partner. \u0110\u1ed3ng th\u1eddi, s\u1ed1 ti\u1ec1n n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c tr\u1eeb v\u00e0o room RRSP c\u1ee7a ng\u01b0\u1eddi \u0111\u00f3 (n\u1ebfu \u0111\u00f3ng v\u00e0o RRSP) v\u00e0 c\u1ea3 2 tr\u01b0\u1eddng h\u1ee3p \u0111\u1ec1u \u0111\u01b0\u1ee3c gi\u1ea3m tr\u1eeb v\u00e0o kho\u1ea3n thu nh\u1eadp \u0111\u00f3ng thu\u1ebf c\u1ee7a ng\u01b0\u1eddi \u0111\u00f3.<\/p>\n\n\n\n

N\u1ebfu b\u1ea1n kh\u00f4ng ch\u1ec9 \u0111\u1ecbnh spouse\/partner trong t\u00e0i kho\u1ea3n RRSP ho\u1eb7c di ch\u00fac, th\u00ec t\u1ea5t c\u1ea3 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00e1c (bao g\u1ed3m c\u1ea3 con c\u00e1i l\u00e0 ng\u01b0\u1eddi th\u1eeba h\u01b0\u1edfng) th\u00ec ph\u1ea7n RRSP \u0111\u01b0\u1ee3c r\u00fat ra \u0111\u1ec1u s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o thu nh\u1eadp c\u1ee7a ch\u00ednh b\u1ea1n trong n\u0103m b\u1ea1n m\u1ea5t. Gi\u1ea3 s\u1eed nh\u01b0 l\u00e0 b\u1ea1n \u0111\u00e3 r\u00fat ra to\u00e0n b\u1ed9 RRSP trong n\u0103m \u0111\u00f3.<\/p>\n\n\n\n

\"\ud83d\udc49\" T\u1eadn d\u1ee5ng RRSP th\u1ebf n\u00e0o qua Home Buyers\u2019 Plan (HBP) v\u00e0 Lifelong Learning Plan (LLP)?<\/strong><\/p>\n\n\n\n

M\u00ecnh s\u1ebd kh\u00f4ng \u0111i s\u00e2u qu\u00e1 v\u00e0o plan n\u00e0y. Nh\u01b0ng t\u00f3m g\u1ecdn l\u1ea1i, th\u00ec HBP l\u00e0 d\u00e0nh cho nh\u1eefng ng\u01b0\u1eddi mua nh\u00e0 l\u1ea7n \u0111\u1ea7u, v\u00e0 LLP l\u00e0 d\u00e0nh cho vi\u1ec7c h\u1ecdc full-time. V\u1edbi HBP, b\u1ea1n c\u00f3 th\u1ec3 m\u01b0\u1ee3n t\u1ed1i \u0111a $35,000 t\u1eeb t\u00e0i kho\u1ea3n RRSP, v\u00e0 ph\u1ea3i tr\u1ea3 l\u1ea1i s\u1ed1 ti\u1ec1n n\u00e0y ng\u01b0\u1ee3c v\u00e0o RRSP trong v\u00f2ng 15 n\u0103m sau \u0111\u00f3. C\u00f2n v\u1edbi LLP, b\u1ea1n c\u00f3 th\u1ec3 m\u01b0\u1ee3n t\u1eeb RRSP t\u1ed1i \u0111a $10,000\/n\u0103m trong v\u00f2ng t\u1ed1i \u0111a 4 n\u0103m; nh\u01b0ng t\u1ed5ng ti\u1ec1n t\u1ed1i \u0111a b\u1ea1n c\u00f3 th\u1ec3 m\u01b0\u1ee3n ra trong 4 n\u0103m n\u00e0y l\u00e0 $20,000. S\u1ed1 ti\u1ec1n m\u01b0\u1ee3n cho LLP ph\u1ea3i \u0111\u01b0\u1ee3c tr\u1ea3 trong v\u00f2ng 10 n\u0103m. V\u00ec mang danh ngh\u0129a l\u00e0 \u201cm\u01b0\u1ee3n\u201d n\u00ean ph\u1ea7n b\u1ea1n m\u01b0\u1ee3n ra s\u1ebd kh\u00f4ng t\u00ednh v\u00e0o thu nh\u1eadp \u0111\u00f3ng thu\u1ebf, c\u0169ng kh\u00f4ng \u1ea3nh h\u01b0\u1edfng t\u1edbi room c\u1ee7a RRSP.<\/p>\n\n\n\n

M\u00ecnh xin k\u1ebft th\u00fac series v\u1ec1 RRSP t\u1ea1i \u0111\u00e2y. N\u1ebfu c\u00e1c b\u1ea1n c\u00f3 c\u00e2u h\u1ecfi g\u00ec th\u1eafc m\u1eafc th\u00eam v\u1ec1 t\u00e0i kho\u1ea3n RRSP n\u00e0y c\u00f3 th\u1ec3 nh\u1eafn m\u00ecnh nh\u00e9. M\u00ecnh s\u1ebd vui l\u00f2ng tr\u1ea3 l\u1eddi trong gi\u1edbi h\u1ea1n hi\u1ec3u bi\u1ebft c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n

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

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

Disclaimer: <\/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 ph\u1ea7n 1 gi\u1edbi thi\u1ec7u v\u1ec1 RRSP & nh\u1eefng l\u1ee3i \u00edch v\u1ec1 thu\u1ebf c\u1ee7a RRSP, ph\u1ea7n n\u00e0y m\u00ecnh s\u1ebd ti\u1ebfp t\u1ee5c \u0111i s\u00e2u h\u01a1n v\u1ec1 c\u01a1 c\u1ea5u 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","protected":false},"author":2,"featured_media":3207,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[27,46],"tags":[36,47],"class_list":["post-3206","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-tai-chinh","tag-life-in-canada","tag-tai-chinh"],"_links":{"self":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3206","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=3206"}],"version-history":[{"count":2,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3206\/revisions"}],"predecessor-version":[{"id":3438,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3206\/revisions\/3438"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media\/3207"}],"wp:attachment":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media?parent=3206"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/categories?post=3206"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/tags?post=3206"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}