自雇的人，或自己开公司当老板的可以把收入弄很低，不过这样也没多少RRSP额度，也就是存不了多少RRSP。虽然工资弄很低，税少交了，可是钱却在公司帐上，没变成自己的收入，也不是能乱花的。
取出RRSP是要交税的，何谈少交税？
雇员是无法自己把收入弄低或弄高的。
有巨大RRSP的人，还在乎OAS吗？而且都提前退休亨受生活了，有钱就是任性。
在北美，失业就业是常态，失业时，取RRSP，这是很多人的做法。
最后编辑: 2015-02-27
- 主题发起人 liferoad
- 发布时间 2015-02-21
取出RRSP是要交税的，何谈少交税？
雇员是无法自己把收入弄低或弄高的。
有巨大RRSP的人，还在乎OAS吗？而且都提前退休亨受生活了，有钱就是任性。
在北美，失业就业是常态，失业时，取RRSP，这是很多人的做法。
从你的RRSP额度看，你收入不高，估计4万都不到，买也不会得利很多，可以报税时用软件算算。
高收入的人，一年最多可以买2万多，他们买合适，可以退几千块税。等某年这些高收入的人失业后，他们可以取出部分RRSP，又不用交很多税，来获取税收上的收益。
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开公司的人，合法避税的花样多了去了，不然的话，那些开公司的，哪个赚得钱少，但交的税都少得可怜。开公司赚钱的一个大来源就是省了给政府的税。
有的人开公司，一分钱的工资都不给自己发，公司的利润全部以红利的形式流入自己的口袋，CPP不交、EI不交、income tax不交，红利的税反正低，总比income tax交得少。有的人给自己发一点点工资，把tax credit给用掉，也算是能省的全省了。
是指把RRSP那部分的钱拿出来不用多交税，这个比较复杂， 现在利息低， 我们已经不这么做了。 但是收入高，High risk taker (其实没有什么风险， 因为是长期投资）的人， 贷款投资很划算的，可以让自己提前退休。
利息，RRSP？你在说啥？
不是真正拿出来。 我们叫RRSP meltdown. 有兴趣可以自己查查。
贷款投资是另外一回事。任何利息情况下都可以获利（但有收入和风险认知的条件， 不是每个人都可以做的到的，或者符合条件的）。
最后编辑: 2015-02-28
Every Wednesday, we publish our “Investor Toolkit” series on TSI Network. Whether you’re a beginning or experienced investor, these weekly updates are designed to give you specific investment tips and stock market advice. Each Investor Toolkit update gives you a fundamental piece of investment advice, and shows you how you can put it into practice right away.
Today’s tip: “RRSP meltdown strategies promise to ease your tax burden on withdrawals, but these complicated manouvres are usually more lucrative for brokers than for investors.”
Investors sometimes ask us what we think of the so-called “RRSP meltdown.” This is a strategy that would let them make withdrawals from their RRSPs without paying income tax.
How the RRSP meltdown works
When you take money out of your RRSP, you have to pay tax on your withdrawal at the same rate as ordinary income in the year you make the withdrawal. However, under an RRSP meltdown strategy, you would offset the additional tax by taking out an investment loan and making the interest payments from funds you withdraw from your RRSP (the withdrawals must be equal to the interest payment).
Since the interest on the loan is tax deductible, the tax on the RRSP withdrawal is cancelled out. This, in theory, results in zero tax owing on your withdrawal.
You can then use the investment loan to buy dividend-paying stocks, which you would use to provide income during retirement. Dividend-paying stocks also have the advantage of being very tax efficient.
RRSP meltdown by the numbers
The idea of withdrawing funds from an RRSP tax free has obvious appeal. However, we’ve looked at a number of different RRSP meltdown strategies over the years and, for the most part, we have found that they serve the interests of the brokerage industry more than those of investors. Here’s why:
Say you make a $5,000 withdrawal from your RRSP and want to offset your tax payable using the interest from an investment loan. Supposing a 5% annual interest rate on the investment loan, you would have to borrow $100,000 to invest in dividend-paying stocks to generate a large enough interest deduction to offset the withdrawal.
The fees and commissions that the investor generates when he or she invests the money are an obvious benefit to the investor’s broker. The investor, meanwhile, significantly increases his or her leverage. Moreover, many investors attempt the RRSP meltdown when they’re at or near retirement. In other words, at the worst time to take on additional debt.
You get individual answers to your personal investment questions when you become a member of my Inner Circle. And you will see my answers to questions other investors like you are asking. In fact, you will get virtually all the investment advice I have to give. You will have access to all of our advisories – The Successful Investor, Wall Street Stock Forecaster, Stock Pickers Digest andCanadian Wealth Advisor – and full access to the members-only, password-protected Inner Circle section of The Successful Investor Network website. Although my team carefully researches all the stocks that members ask about, I personally review each and every recommendation. To ensure this close personal attention, only a limited number of members can be admitted to our Inner Circle. Under the pressure of world events, even more investors are asking for my personal investment advice. We are nearing our membership limit.Click here to secure your membership in the Inner Circle right away.
Some RRSP meltdowns involve extreme risk
Some financial advisors take this to a ridiculous extreme by offering arrangements that involve making RRSP withdrawals and placing the money in business or real-estate deals that generate large tax deductions. These then offset the taxable income from the withdrawals.
The investor who has participated in this type of meltdown is then left holding an illiquid, and often quite risky, investment. To generate the tax deductions, you may also have to take out or guarantee a large debt.
Sometimes the deal “guarantees” the investor a steady income. But the guarantee is sure to be full of holes. The only things that are reliably guaranteed in these deals are the huge fees and commissions they generate for the salespeople and financial institutions involved. This type of meltdown strategy is never a good idea—no matter where you are in your investing career.
Borrowing to invest can be a good strategy—but there’s no benefit to connecting it to RRSP withdrawals
Of course, borrowing to invest can go wrong if you buy at the top of the market and sell at a low. However, taking out an investment loan can be a good investment strategy for certain investors.
For example, you may consider borrowing to invest if you are in the top income tax bracket and expect to stay there for a number of years, you have 10 or more years until retirement, and you have the kind of temperament to sit through the inevitable market setbacks without losing confidence at a market bottom and selling out to repay your loan.
Either way, we see no benefit in complicating matters by tying your investment loans to RRSP withdrawals.
COMMENTS PLEASE—Share your investment knowledge and opinions with fellow TSINetwork.ca members
Do you believe it is a good idea to withdraw money from your RRSP for any but the most pressing needs? What do you think is the best way to do it if it has to be done? Let us know what you think.
Note: This article was originally published on April 16, 2010. Figures have been updated.
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Today’s tip: “RRSP meltdown strategies promise to ease your tax burden on withdrawals, but these complicated manouvres are usually more lucrative for brokers than for investors.”
Investors sometimes ask us what we think of the so-called “RRSP meltdown.” This is a strategy that would let them make withdrawals from their RRSPs without paying income tax.
How the RRSP meltdown works
When you take money out of your RRSP, you have to pay tax on your withdrawal at the same rate as ordinary income in the year you make the withdrawal. However, under an RRSP meltdown strategy, you would offset the additional tax by taking out an investment loan and making the interest payments from funds you withdraw from your RRSP (the withdrawals must be equal to the interest payment).
Since the interest on the loan is tax deductible, the tax on the RRSP withdrawal is cancelled out. This, in theory, results in zero tax owing on your withdrawal.
You can then use the investment loan to buy dividend-paying stocks, which you would use to provide income during retirement. Dividend-paying stocks also have the advantage of being very tax efficient.
RRSP meltdown by the numbers
The idea of withdrawing funds from an RRSP tax free has obvious appeal. However, we’ve looked at a number of different RRSP meltdown strategies over the years and, for the most part, we have found that they serve the interests of the brokerage industry more than those of investors. Here’s why:
Say you make a $5,000 withdrawal from your RRSP and want to offset your tax payable using the interest from an investment loan. Supposing a 5% annual interest rate on the investment loan, you would have to borrow $100,000 to invest in dividend-paying stocks to generate a large enough interest deduction to offset the withdrawal.
The fees and commissions that the investor generates when he or she invests the money are an obvious benefit to the investor’s broker. The investor, meanwhile, significantly increases his or her leverage. Moreover, many investors attempt the RRSP meltdown when they’re at or near retirement. In other words, at the worst time to take on additional debt.
You get individual answers to your personal investment questions when you become a member of my Inner Circle. And you will see my answers to questions other investors like you are asking. In fact, you will get virtually all the investment advice I have to give. You will have access to all of our advisories – The Successful Investor, Wall Street Stock Forecaster, Stock Pickers Digest andCanadian Wealth Advisor – and full access to the members-only, password-protected Inner Circle section of The Successful Investor Network website. Although my team carefully researches all the stocks that members ask about, I personally review each and every recommendation. To ensure this close personal attention, only a limited number of members can be admitted to our Inner Circle. Under the pressure of world events, even more investors are asking for my personal investment advice. We are nearing our membership limit.Click here to secure your membership in the Inner Circle right away.
Some RRSP meltdowns involve extreme risk
Some financial advisors take this to a ridiculous extreme by offering arrangements that involve making RRSP withdrawals and placing the money in business or real-estate deals that generate large tax deductions. These then offset the taxable income from the withdrawals.
The investor who has participated in this type of meltdown is then left holding an illiquid, and often quite risky, investment. To generate the tax deductions, you may also have to take out or guarantee a large debt.
Sometimes the deal “guarantees” the investor a steady income. But the guarantee is sure to be full of holes. The only things that are reliably guaranteed in these deals are the huge fees and commissions they generate for the salespeople and financial institutions involved. This type of meltdown strategy is never a good idea—no matter where you are in your investing career.
Borrowing to invest can be a good strategy—but there’s no benefit to connecting it to RRSP withdrawals
Of course, borrowing to invest can go wrong if you buy at the top of the market and sell at a low. However, taking out an investment loan can be a good investment strategy for certain investors.
For example, you may consider borrowing to invest if you are in the top income tax bracket and expect to stay there for a number of years, you have 10 or more years until retirement, and you have the kind of temperament to sit through the inevitable market setbacks without losing confidence at a market bottom and selling out to repay your loan.
Either way, we see no benefit in complicating matters by tying your investment loans to RRSP withdrawals.
COMMENTS PLEASE—Share your investment knowledge and opinions with fellow TSINetwork.ca members
Do you believe it is a good idea to withdraw money from your RRSP for any but the most pressing needs? What do you think is the best way to do it if it has to be done? Let us know what you think.
Note: This article was originally published on April 16, 2010. Figures have been updated.
3 Comments
Permalink: http://www.tsinetwork.ca/?p=38801
All of our articles are available for republishing as long as you provide a link back to the original article.
Tags: income, invest, investing, investments, retirement,RRSP, stocks
http://www.tsinetwork.ca/daily/reti...-could-jeopardize-your-retirement/?floater=99
