不是的。只有政府补的钱和盈利算小孩的。我做这个的我很清楚你这里“上了大学后, 把本金拿回去”,实际上还是以孩子的名义取出来的,所以得计入孩子财政来源,但免税。
不是的。只有政府补的钱和盈利算小孩的。我做这个的我很清楚你这里“上了大学后, 把本金拿回去”,实际上还是以孩子的名义取出来的,所以得计入孩子财政来源,但免税。
RESP应该买。但买多少,什么时间买,还是有讲究的。
如果孩子一岁就买,放18年,就放银行拿利息的话,18年下来,收益不会太好。
看来误区很多啊, 你买resp的经纪没有告诉你resp的钱可以全球用么谢谢,这条信息太好了。可是因为分在两个银行里的,记不住本金是多少了。银行记得就行。。。
这几年市场不行,收益也没三瓜俩枣的。如果孩子不在加拿大读书也不准备用这个RESP支付学费的话,收益就在当年由家长报税吧?
我记得申请osap时,会问你从resp取出多少,每次我们都是把实际提取总额(也就是父母存入的本金+政府给的grant)填入,这样不对吗?不是的。只有政府补的钱和盈利算小孩的。我做这个的我很清楚
如果不影响贷款总额就无所谓,如果父母收入高就有所谓。像我前面的例子,我写一月2000和一月166,贷款总额就是15000和3250的区别。我记得申请osap时,会问你从resp取出多少,每次我们都是把实际提取总额(也就是父母存入的本金+政府给的grant)填入,这样不对吗?
这段话只讲了政府给的grant(EAP)是作为学生报税收入。An educational assistance payment (EAP) is the amount paid to a beneficiary (a student) from an RESP to help finance the cost of post-secondary education. An EAP consists of the Canada education savings grant, the Canada learning bond, amounts paid under a provincial education savings program and the earnings on the money saved in the RESP. The promoter reports EAPs in box 042 on a T4A, Statement of Pension, Retirement, Annuity, and Other Income slip and sends a copy to the student. The student includes the EAPs as income on his or her income tax and benefit return for the year the student receives them.
Subject to the terms and conditions of the RESP, the promoter can return your contributions to you tax-free when the contract ends or at any time before. Promoters do not issue a T4A slip, Statement of Pension, Retirement, Annuity and Other Income, to report these payments. Do notinclude these payments as income on your income tax and benefit return.这段话只讲了政府给的grant(EAP)是作为学生报税收入。
osap要求填报的财务状况不仅是计税收入,还包括其它。
这段话重点是讲本金不管是付给家长还是孩子,都是tax-free。Subject to the terms and conditions of the RESP, the promoter can return your contributions to you tax-free when the contract ends or at any time before. Promoters do not issue a T4A slip, Statement of Pension, Retirement, Annuity and Other Income, to report these payments. Do notinclude these payments as income on your income tax and benefit return.
The promoter can also pay the contributions tax-free to the beneficiary. This is in addition to any taxable educational assistance payments. For more information, see Educational assistance payments (EAPs).
就是说即可以给家长也可以给孩子,自己决定好了。这段话重点是讲本金不管是付给家长还是孩子,都是tax-free。
但其它的没有讲,其它就是我在51楼回复中讲到的部分。 这是从一个专业网站看到的。没查到官方说法。