{"id":613,"date":"2024-06-22T10:29:46","date_gmt":"2024-06-22T10:29:46","guid":{"rendered":"https:\/\/www.usacpo.com\/share\/?p=613"},"modified":"2024-08-05T13:26:10","modified_gmt":"2024-08-05T13:26:10","slug":"tfsa%e5%8a%a0%e6%8b%bf%e5%a4%a7%e6%94%bf%e5%ba%9c%e8%a8%b1%e5%8f%af%e7%9a%84%e5%85%8d%e7%a8%85%e5%84%b2%e8%93%84%e5%b8%b3%e8%99%9f%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a0%85-%e6%96%b0%e7%a7%bb%e6%b0%91","status":"publish","type":"post","link":"https:\/\/www.usacpo.com\/share\/blog\/tfsa%e5%8a%a0%e6%8b%bf%e5%a4%a7%e6%94%bf%e5%ba%9c%e8%a8%b1%e5%8f%af%e7%9a%84%e5%85%8d%e7%a8%85%e5%84%b2%e8%93%84%e5%b8%b3%e8%99%9f%e6%b3%a8%e6%84%8f%e4%ba%8b%e9%a0%85-%e6%96%b0%e7%a7%bb%e6%b0%91\/","title":{"rendered":"TFSA\u52a0\u62ff\u5927\u653f\u5e9c\u8a31\u53ef\u7684\u514d\u7a05\u5132\u84c4\u5e33\u865f\u6ce8\u610f\u4e8b\u9805, \u65b0\u79fb\u6c11\u5728\u52a0\u62ff\u5927\u751f\u6d3b\u9700\u8981\u9010\u6f38\u5efa\u7acb\u4fe1\u7528\uff0c\u672a\u4f86\u5728\u5de5\u4f5c\u8207\u751f\u6d3b\u4e0a\u624d\u65b9\u4fbf"},"content":{"rendered":"

\u6211\u96d6\u7136\u6709 Tax-Free Savings Account (TFSA) \u9019\u653f\u5e9c\u8a31\u53ef\u7684\u514d\u7a05\u5132\u84c4\u5e33\u865f\uff0c\u4f46\u662f\u771f\u7684\u6c92\u6709\u6ce8\u610f\u5230\u5b83\u7684\u63d0\u5b58\u898f\u5b9a\uff0c\u539f\u4f86\u4e0d\u6ce8\u610f\u9084\u6703\u88ab\u7f70\uff0c\u5e0c\u671b\u63d0\u9192\u4f60\u6ce8\u610f\u4e0b\u9762\u7684\u7b2c\u4e00\u9ede\u3002<\/p>\n

\u8a73\u60c5\u5982\u653f\u5e9c\u7db2\u7ad9\u4e0a\u6240\u516c\u5e03\u7684\u898f\u5b9a\uff0c\u70ba\u4e86\u9f13\u52f5\u5132\u84c4\uff0c\u5f9e 2009 \u8d77\uff0c\u6bcf\u500b\u5e74\u6eff 18 \u6b72\u7684\u4eba\u53ef\u4ee5\u6bcf\u5e74\u5132\u84c45000\u5143\uff0c\u96a8\u610f\u904b\u7528\u6d3b\u5132\u3001\u5b9a\u5b58\u3001\u5171\u540c\u57fa\u91d1\u3001\u80a1\u7968\u3001\u50b5\u5238\u7b49\u5404\u7a2e\u6295\u8cc7\uff0c\u6c92\u6709\u9650\u5236\uff0c\u6240\u7522\u751f\u7684\u6536\u76ca\u4e0d\u6703\u88ab\u8ab2\u7a05\u3002\u9019\u7a2e\u514d\u7a05\u5de5\u5177\u5728\u52a0\u62ff\u5927\u9019\u9ad8\u7a05\u8ca0\u7684\u570b\u5bb6\u662f\u975e\u5e38\u5fc5\u9808\u7684\uff0c\u985e\u4f3c\u9000\u4f11\u5132\u84c4\u8a08\u756b RRSP \u6216\u6559\u80b2\u5132\u84c4\u8a08\u756b RESP \uff0c\u53ef\u4ee5\u6709\u5f88\u597d\u7684\u7bc0\u7a05\u6548\u679c\uff0c\u6bcf\u500b\u4eba\u90fd\u61c9\u8a72\u597d\u597d\u904b\u7528\u5b83\u7684\u7279\u9ede\u3002<\/p>\n

1. \u6536\u76ca\u514d\u7a05\uff0c\u6240\u4ee5\u53ef\u4ee5\u81ea\u7531\u63d0\u5b58\uff0c\u4f46\u662f\u4eca\u5e74\u63d0\u51fa\u7684\u91d1\u984d\u5fc5\u9808\u9694\u5e74\u624d\u80fd\u56de\u5b58\uff0c\u5426\u5247\u7576\u5e74\u6703\u88ab\u88ab\u7d2f\u8a08\u5230$5000\u7684\u5e74\u5ea6\u9650\u984d\u4e2d\uff0c\u82e5\u56e0\u6b64\u8d85\u984d\uff0c\u6703\u88ab\u8ab2\u5fb5\u61f2\u7f70\u7a05\u3002<\/p>\n

2. \u6bcf\u5e74\u7684 $5000 \u5132\u84c4\u984d\u5ea6\u82e5\u4e0d\u7528\u4e5f\u53ef\u4ee5\u7d2f\u7a4d\u5230\u4f86\u5e74\u6709\u9322\u7684\u6642\u5019\u518d\u6295\u8cc7\u3002<\/p>\n

3. \u653f\u5e9c\u4fdd\u8b49\u6b64\u5132\u84c4\u4e0d\u6703\u5f71\u97ff\u5176\u4ed6\u4ee5\u6240\u5f97\u70ba\u57fa\u790e\u7684\u653f\u5e9c\u798f\u5229\u91d1\uff0c\u4f8b\u5982\u8001\u4eba\u5e74\u91d1\uff0c\u5152\u7ae5\u7a05\u91d1\u798f\u5229\u7b49\u3002<\/p>\n

4. \u82e5\u4e00\u65b9\u904e\u4e16\uff0c\u592b\u59bb\u9593\u9084\u53ef\u4ee5\u79fb\u8f49\u7d66\u7559\u5b58\u7684\u4e00\u65b9\u3002<\/p>\n

\u904e\u53bb\u505a\u6295\u8cc7\uff0c\u90fd\u8981\u8003\u616e\u6295\u8cc7\u6536\u76ca\u7684\u7a05\u8ca0\u5f71\u97ff\uff0c\u4f8b\u5982\u6295\u8cc7\u9ad8\u6536\u76ca\u50b5\u5238\uff0c\u96d6\u7136\u8868\u9762\u6536\u76ca\u4e0d\u932f\uff0c\u4f8b\u5982 8% \u5e74\u5229\u7387\uff0c\u4f46\u662f\u56e0\u70ba\u5229\u606f\u6536\u5165\u8981\u8a08\u5165\u5e74\u5ea6\u6240\u5f97\u8ab2\u7a05\uff0c\u7a05\u5f8c\u7684\u6536\u76ca\u7387\u5c31\u5c0f\u5f88\u591a\uff0c\u770b\u500b\u4eba\u9069\u7528\u7684\u7a05\u7387\u800c\u5b9a\uff0c\u4e0d\u898b\u5f97\u6709\u5229\uff0c\u73fe\u5728\u6709\u4e86\u9019\u514d\u7a05\u6295\u8cc7\u5de5\u5177\uff0c\u5c0f\u984d\u6295\u8cc7\u4eba\u5c31\u53ef\u4ee5\u4eab\u8db3\u90198%\u3002<\/p>\n

\u4eca\u5929\u5728\u4e16\u754c\u65e5\u5831\u7684\u7db2\u7ad9\u4e0a\u770b\u5230\u9019\u7bc7\u6587\u7ae0\uff0c\u56e0\u70ba\u79fb\u6c11\u7684\u914d\u984d\u5728\u4f9d\u89aa(\u7236\u6bcd\u6216\u7956\u7236\u6bcd\u985e\u5225)\u6e1b\u5c11\u905433%\uff0c\u56e0\u6b64\u6309\u7167\u76ee\u524d\u7a4d\u6848\u6d88\u5316\u7684\u901f\u5ea6\uff0c\u5927\u6982\u8981\u7b4913\u5e74\u3002\u4f8b\u5982\u53f0\u7063\u7684\u914d\u984d\u753180\u4eba\u6e1b\u5c11\u70ba5\u4eba\uff0c\u9019\u7c21\u76f4\u5c31\u662f\u8aaa\u4e0d\u8b93\u53f0\u7063\u79fb\u6c11\u7684\u7236\u6bcd\u904e\u4f86\u3002<\/p>\n

\u6709\u610f\u7533\u8acb\u7236\u6bcd\u79fb\u6c11\u642c\u5bb6\u7684\u4eba\u9700\u8981\u53ca\u65e9\u56e0\u61c9\u4e86\u3002<\/p>\n

\u6839\u64da\u8de8\u570b\u642c\u5bb6\u516c\u53f8Ship2TW\u7684\u7d71\u8a08\u8cc7\u6599\u986f\u793a\uff0c\u65b0\u79fb\u6c11\u5728\u52a0\u62ff\u5927\u751f\u6d3b\u9700\u8981\u9010\u6b65\u5efa\u7acb\u4fe1\u7528\uff0c\u9019\u5c0d\u65bc\u672a\u4f86\u7684\u5de5\u4f5c\u548c\u751f\u6d3b\u81f3\u95dc\u91cd\u8981\u3002\u6c92\u6709\u4fe1\u7528\u6216\u4fe1\u7528\u4e0d\u4f73\uff0c\u4e0d\u50c5\u6703\u5f71\u97ff\u501f\u8cb8\u80fd\u529b\uff0c\u9084\u6703\u5f71\u97ff\u5c31\u696d\u548c\u79df\u623f\u3002\u4ee5\u4e0b\u5c07\u8a0e\u8ad6\u65b0\u79fb\u6c11\u5982\u4f55\u5efa\u7acb\u4e26\u7dad\u6301\u826f\u597d\u7684\u4fe1\u7528\u3002<\/p>\n

\u5728\u52a0\u62ff\u5927\uff0c\u4fe1\u7528\u8a55\u5206\u7531\u6c11\u9593\u6a5f\u69cb\u5982 Equifax \u9032\u884c\u8a55\u5b9a\uff0c\u4e26\u5efa\u7acb\u8cc7\u6599\u5eab\u3002\u9019\u4e9b\u8a55\u5206\u7cfb\u7d71\uff0c\u5982 Equifax \u63d0\u4f9b\u7684 Beacon Score\uff0c\u53cd\u6620\u4e86\u500b\u4eba\u7684\u4fe1\u7528\u72c0\u6cc1\u3002\u6839\u64da\u52a0\u62ff\u5927\u9280\u884c\u696d\u5354\u6703\uff08Canadian Bankers Association\uff092019 \u5e74\u7684\u5831\u544a\uff0c80%\u7684\u52a0\u62ff\u5927\u4eba Beacon Score \u5728 700 \u5230 850 \u4e4b\u9593\u3002\u4f4e\u65bc 700 \u7684\u8a55\u5206\u5c6c\u65bc\u9ad8\u98a8\u96aa\u4fe1\u7528\uff0c\u4f4e\u65bc 600 \u7684\u5247\u53ef\u80fd\u9762\u81e8\u501f\u8cb8\u56f0\u96e3\u3001\u66f4\u9ad8\u7684\u5229\u7387\u6216\u8f03\u4f4e\u7684\u8cb8\u6b3e\u984d\u5ea6\u3002\u6b64\u5916\uff0c\u4e0d\u826f\u4fe1\u7528\u7d00\u9304\u6703\u4fdd\u5b58\u516d\u5e74\uff0c\u5c0d\u627e\u5de5\u4f5c\u6216\u79df\u623f\u90fd\u6709\u8ca0\u9762\u5f71\u97ff\u3002<\/p>\n

\u6839\u64da TransUnion 2020 \u5e74\u7684\u5831\u544a\uff0c\u65b0\u79fb\u6c11\u901a\u5e38\u56e0\u6c92\u6709\u672c\u5730\u4fe1\u7528\u8cc7\u6599\uff0c\u9700\u91cd\u65b0\u5efa\u7acb\u4fe1\u7528\u3002\u7f8e\u570b\u79fb\u6c11\u9664\u5916\uff0c\u4ed6\u5011\u53ef\u4ee5\u8f49\u79fb\u90e8\u5206\u4fe1\u7528\u7d00\u9304\u3002\u65b0\u79fb\u6c11\u61c9\u5148\u53bb\u9280\u884c\u958b\u8a2d\u652f\u7968\u548c\u5b58\u6b3e\u5e33\u6236\uff0c\u4e26\u7533\u8acb\u591a\u5f35\u4fe1\u7528\u5361\uff0c\u5305\u62ec MasterCard\u3001Visa \u5361\uff0c\u4ee5\u53ca\u767e\u8ca8\u516c\u53f8\u6216\u5927\u8ce3\u5834\u7684\u4fe1\u7528\u5361\u3002\u6839\u64da\u591a\u502b\u591a\u5927\u5b78 2018 \u5e74\u7684\u7814\u7a76\uff0c\u6301\u7e8c\u4f7f\u7528\u4e26\u6309\u6642\u7e73\u6b3e\u6709\u52a9\u65bc\u9010\u6f38\u5efa\u7acb\u4fe1\u7528\u8cc7\u6599\u3002<\/p>\n

\u5efa\u7acb\u826f\u597d\u7684\u4fe1\u7528\u8a55\u5206\u8207\u4fe1\u7528\u7a2e\u985e\u3001\u4fe1\u7528\u5e74\u8cc7\u3001\u4f7f\u7528\u984d\u5ea6\u548c\u7e73\u6b3e\u8a18\u9304\u5bc6\u5207\u76f8\u95dc\u3002\u6839\u64da Equifax \u7684\u8cc7\u6599\uff0c\u9019\u4e9b\u56e0\u7d20\u4f54\u6574\u9ad4\u4fe1\u7528\u8a55\u4f30\u7684 90%\u3002\u4fdd\u6301\u4f7f\u7528\u984d\u5ea6\u5728\u6838\u51c6\u984d\u5ea6\u7684 30%\u4ee5\u4e0b\uff0c\u4e26\u6309\u6642\u7e73\u6b3e\uff0c\u672a\u4f86\u518d\u52a0\u4e0a\u5176\u4ed6\u4fe1\u7528\u8a18\u9304\uff08\u5982\u623f\u8cb8\u6216\u8eca\u8cb8\uff09\uff0c\u80fd\u9010\u6f38\u7d2f\u7a4d\u826f\u597d\u7684\u4fe1\u7528\u8a55\u5206\u3002\u8981\u9054\u5230\u975e\u5e38\u597d\u7684\u4fe1\u7528\u8a55\u5206\uff0c\u9084\u9700\u64c1\u6709\u623f\u7522\u3001\u7a69\u5b9a\u7684\u5de5\u4f5c\uff08\u6700\u597d\u662f\u5c08\u696d\u5de5\u4f5c\uff09\u3001\u4f4e\u8ca0\u50b5\u6bd4\u548c\u4e94\u5e74\u4ee5\u4e0a\u7684\u4fe1\u7528\u8a18\u9304\u3002<\/p>\n

\u5c0d\u4fe1\u7528\u5f71\u97ff\u6700\u5927\u7684\u56e0\u7d20\u4e4b\u4e00\u662f\u5ba3\u5e03\u7834\u7522\uff0c\u6b64\u5916\uff0c\u7e73\u6b3e\u62d6\u6b20\u548c\u6301\u7e8c\u672a\u4ed8\u7684\u4fe1\u7528\u5361\u9918\u984d\u4e5f\u6703\u5927\u5927\u5f71\u97ff\u4fe1\u7528\u8a55\u5206\u3002\u52a0\u62ff\u5927\u7d71\u8a08\u5c40\uff08Statistics Canada\uff092021 \u5e74\u7684\u7814\u7a76\u986f\u793a\uff0c\u9ad8\u984d\u672a\u4ed8\u9918\u984d\u610f\u5473\u8457\u500b\u4eba\u5df2\u958b\u59cb\u4f9d\u8cf4\u501f\u8cb8\u904e\u65e5\uff0c\u9019\u6703\u986f\u8457\u964d\u4f4e\u4fe1\u7528\u8a55\u5206\u3002\u6b64\u5916\uff0c\u904e\u591a\u7684\u501f\u8cb8\u67e5\u8a62\u4e5f\u6703\u964d\u4f4e\u5206\u6578\uff0c\u56e0\u6b64\u61c9\u907f\u514d\u983b\u7e41\u7533\u8acb\u4fe1\u7528\u5361\u6216\u5206\u671f\u4ed8\u6b3e\u8cfc\u8cb7\u5bb6\u96fb\u548c\u5bb6\u5177\u3002<\/p>\n

\u826f\u597d\u7684\u4fe1\u7528\u8a55\u5206\u5728\u9700\u8981\u501f\u8cb8\u6642\u80fd\u63d0\u4f9b\u512a\u52e2\uff0c\u4f8b\u5982\u8f03\u9ad8\u7684\u8cb8\u6b3e\u984d\u5ea6\u548c\u8f03\u4f4e\u7684\u5229\u7387\u3002\u6839\u64da\u52a0\u62ff\u5927\u9280\u884c\u696d\u5354\u6703\u7684\u8cc7\u6599\uff0c\u826f\u597d\u7684\u4fe1\u7528\u8a55\u5206\u80fd\u589e\u52a0\u79df\u623f\u6210\u529f\u7387\uff0c\u4e26\u7372\u5f97\u96c7\u4e3b\u7684\u4fe1\u8cf4\u3002\u56e0\u6b64\uff0c\u5efa\u7acb\u4e26\u7dad\u6301\u826f\u597d\u7684\u4fe1\u7528\u5c0d\u65b0\u79fb\u6c11\u5728\u52a0\u62ff\u5927\u7684\u9577\u671f\u751f\u6d3b\u548c\u767c\u5c55\u81f3\u95dc\u91cd\u8981\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

\u6211\u96d6\u7136\u6709 Tax-Free Savings Account (TFSA) \u9019\u653f\u5e9c\u8a31\u53ef\u7684\u514d\u7a05\u5132\u84c4\u5e33\u865f\uff0c\u4f46\u662f\u771f\u7684\u6c92\u6709\u6ce8\u610f\u5230\u5b83\u7684\u63d0\u5b58\u898f\u5b9a\uff0c\u539f\u4f86\u4e0d\u6ce8\u610f\u9084\u6703\u88ab\u7f70\uff0c\u5e0c\u671b\u63d0\u9192\u4f60\u6ce8\u610f\u4e0b\u9762\u7684\u7b2c\u4e00\u9ede\u3002 \u8a73\u60c5\u5982\u653f\u5e9c\u7db2\u7ad9\u4e0a\u6240\u516c\u5e03\u7684\u898f\u5b9a\uff0c\u70ba\u4e86\u9f13\u52f5\u5132\u84c4\uff0c\u5f9e 2009 \u8d77\uff0c\u6bcf\u500b\u5e74\u6eff 18 \u6b72\u7684\u4eba\u53ef\u4ee5\u6bcf\u5e74\u5132\u84c45000\u5143\uff0c\u96a8\u610f\u904b\u7528\u6d3b\u5132\u3001\u5b9a\u5b58\u3001\u5171\u540c\u57fa\u91d1\u3001\u80a1\u7968\u3001\u50b5\u5238\u7b49\u5404\u7a2e\u6295\u8cc7\uff0c\u6c92\u6709\u9650\u5236\uff0c\u6240\u7522\u751f\u7684\u6536\u76ca\u4e0d\u6703\u88ab\u8ab2\u7a05\u3002\u9019\u7a2e\u514d\u7a05\u5de5\u5177\u5728\u52a0\u62ff\u5927\u9019\u9ad8\u7a05\u8ca0\u7684\u570b\u5bb6\u662f\u975e\u5e38\u5fc5\u9808\u7684\uff0c\u985e\u4f3c\u9000\u4f11\u5132\u84c4\u8a08\u756b RRSP \u6216\u6559\u80b2\u5132\u84c4\u8a08\u756b RESP \uff0c\u53ef\u4ee5\u6709\u5f88\u597d\u7684\u7bc0\u7a05\u6548\u679c\uff0c\u6bcf\u500b\u4eba\u90fd\u61c9\u8a72\u597d\u597d\u904b\u7528\u5b83\u7684\u7279\u9ede\u3002 1. 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