请问懂税务的专家：我可以买多少RRSP?

peterpan · 发表于 2014-2-25 13:03

阳光沙滩发表于 2014-2-25 12:37 , Z: J, E! z1 l) ]6 R: }
$1100已经是考虑了PA的数字，2013 的PA留在2014年的计算

Then the 2013 TOTAL limit is $11,000 or actually $11,000 + pension plan contribution?

驴客 · 发表于 2014-2-25 13:18

阳光沙滩发表于 2014-2-25 12:37
( a4 D; \. S" I8 A6 P' k' m# f$1100已经是考虑了PA的数字，2013 的PA留在2014年的计算

Can I inteprete in this way: if someone has group pension plan every year, he/she can still buy the rrsp limit shown in assessment no matter how many pension plan contribution the he/she has earned thru company?
Thanks.

阳光沙滩 · 发表于 2014-2-25 13:33

peterpan 发表于 2014-2-25 13:03
$ I& p# D* [( x7 k- W) `. jThen the 2013 TOTAL limit is $11,000 or actually $11,000 + pension plan contribution?

I think it should be $1100, the pension plan contribution IN 2013 will be used FOR year 2014's RRSP limit calculation.

阳光沙滩 · 发表于 2014-2-25 13:35

驴客发表于 2014-2-25 13:18
: X. E5 |% K8 UCan I inteprete in this way: if someone has group pension plan every year, he/she can still buy th ...

其实你不用管那个PA，你报税时报上这个数字，你的下一年的statement里他们会帮你考虑计算的，你照着他们给你结果买就行了。

peterpan · 发表于 2014-2-25 13:43

本帖最后由 peterpan 于 2014-2-25 13:46 编辑

阳光沙滩发表于 2014-2-25 13:33
# ?8 a: ^1 o) z, m, a, _# xI think it should be $1100, the pension plan contribution IN 2013 will be used FOR year 2014's RRS ...

Let me think about that. Not totally make sense to me..

peterpan · 发表于 2014-2-25 14:03

阳光沙滩发表于 2014-2-25 13:33% k" x! y! g/ _: G
I think it should be $1100, the pension plan contribution IN 2013 will be used FOR year 2014's RRS ...

Lets simplify the case, assume Mr. A doesn't have pension plan in 2011, and since 2012 he has, his rrsp limit is 10000 and his pension is 3000 every year:

year 2012: he bought 10000 rrsp and got 3000 pension, total 13000, that is 3000 over his limit.
Year 2013, his limit changed to 7000 due to the PA, he bought 7000 rrsp and got 3000 pension, equal this year, but totally still 3000 over,
Year 2014, 2015.... Same as 2013, then he always over the limit by 3000,
Am I right?

阳光沙滩 · 发表于 2014-2-25 14:10

peterpan 发表于 2014-2-25 14:03
- C/ Y4 ]8 {/ W' ~: NLets simplify the case, assume Mr. A doesn't have pension plan in 2011, and since 2012 he has, his ...

Lets simplify the case, assume Mr. A doesn't have pension plan in 2011, and since 2012 he has, his rrsp limit is 10000 and his pension is 3000 every year:

byear 2012: he bought 10000 rrsp and got 3000 pension, total 13000, that is 3000 over his limit
----------The pension adjustment reported in a calendar year reduces allowable contributions to an RRSP for the next calendar year.€€

peterpan · 发表于 2014-2-25 14:26

阳光沙滩发表于 2014-2-25 14:10; O3 E; f3 D9 u8 n, t& ?" r
Lets simplify the case, assume Mr. A doesn't have pension plan in 2011, and since 2012 he has, his ...

I know, that is why I show 7000 from 2013. However the 3000 over contribution in 2012 will never be reduced?

阳光沙滩 · 发表于 2014-2-25 14:35

peterpan 发表于 2014-2-25 14:26 6 ^' P$ Z1 j# v$ _/ \' q8 \
I know, that is why I show 7000 from 2013. However the 3000 over contribution in 2012 will never b ...

deeko · 发表于 2014-2-25 15:16

从下面这个截图上可以看出，楼主是对的，2013年RRSP的配额是多少，楼主就能买多少RRSP，因为那个配额里已经减掉了2012年买的Pension，至于2013年买的Pension，会在2014年RRSP的配额里减掉的（这个是税务局的人会根据你填的税表计算出来，根本就不需你操心）。所以说RBC上的那个东东，完全是胡扯，误导客户，鄙视！！！

peterpan · 发表于 2014-2-25 15:18

阳光沙滩发表于 2014-2-25 14:355 c* K; J1 |: G- f4 L/ D/ Y, s

Easy, just one last question, did Mr. A over contribution in 2012?

peterpan · 发表于 2014-2-25 15:22

本帖最后由 peterpan 于 2014-2-25 15:24 编辑

deeko 发表于 2014-2-25 15:16( C _1 s$ w1 q. k+ B/ x# U
从下面这个截图上可以看出，楼主是对的，2013年RRSP的配额是多少，楼主就能买多少RRSP，因为那个配额里已经 ...

year 2013 has no problem for sure, but 2012 he had over contributed, (because 2011 he did not have PA but he had pension contribution plus regular rrsp in 2012) how to adjust that?

deeko · 发表于 2014-2-25 15:38

peterpan 发表于 2014-2-25 15:22 year 2013 has no problem for sure, but 2012 he had over contributed, (because 2011 he did not ha ...

不可能。如果楼主在2012年超买的话，早就被罚款了。楼主估计是2012年才拿到pension，所以2012年的配额里不需要减掉pension，但是2012年的T4表上有pension，所以2013年的配额里已经减掉了那一部分。现在填2013年的税表，RRSP只要考虑NOA上给您计算的配额就可以了。2013年T4表上的pension，会在2014年RRSP配额里自动扣除滴。

好了，没神马争议了，谁不服直接送他上火刑柱。

阳光沙滩 · 发表于 2014-2-25 15:53

peterpan 发表于 2014-2-25 15:18
3 k7 T" K9 Y% T$ m) aEasy, just one last question, did Mr. A over contribution in 2012?

No. the PA from 2012 has nothing to do with the 2012 RRSP limit, but will be used to calculate the limit for 2013. the limit deduction of $3000 for 2013 is not the one from 2013, but 2012. and the PA from 2013 will be considered in the lcalculation for 2014.
Still don't get it?

peterpan · 发表于 2014-2-25 16:01

deeko 发表于 2014-2-25 15:38
9 |% Q( w9 K8 e6 {) o- w8 Q不可能。如果楼主在2012年超买的话，早就被罚款了。楼主估计是2012年才拿到pension，所以2012年的配额里不 ...

why "不可能。如果楼主在2012年超买的话，早就被罚款了"?It is OK if the 超买doesn't exceed a limit, some said 2000, some said this year's limit

deeko · 发表于 2014-2-25 16:02

peterpan 发表于 2014-2-25 11:44 I find this in RBC's website: "Company Pension Plan or Deferred Profit Sharing Plan – As a member ...

查了一下RBC网站，petetpan老弟断章取义了。RBC网站没提税务局直接给您计算RRSP配额的事，而是试图充当税务局官隶吏，试图帮您算RRSP配额，在那种情况下，当然要减掉前一年的pension。说实话，RBC这么做是很有问题滴，搞得很多人以为配额要自己算。

deeko · 发表于 2014-2-25 16:09

peterpan 发表于 2014-2-25 16:01 why"不可能。如果楼主在2012年超买的话，早就被罚款了"?It is OK if the 超买doesn't exceed a limit, s ...

超额2000不罚款，但是那2000要正常纳税。超过2000的部分，不仅要正常纳税，而且要罚款。

我靠，我现在成了RRSP砖家了，谁不服我拍死谁。

peterpan · 发表于 2014-2-25 16:22

deeko 发表于 2014-2-25 16:09 $ D. V( d0 V! R) e& C) b
超额2000不罚款，但是那2000要正常纳税。超过2000的部分，不仅要正常纳税，而且要罚款。
: z; X' p( w ]* Y) V0 S
3 N K+ Q; F- E3 G) v( D% ?我靠，我现在 ...

I don't think so, look at the last sentence in your assessment first page

deeko · 发表于 2014-2-25 16:40

peterpan 发表于 2014-2-25 16:22 I don't think so, look at the last sentence in your assessment first page

那是另外一个问题：就是2013年1月2月买的RRSP可能没有在2012年的税表里claim，所以有余额。这个余额加上2013年和14年前两月买的（可以在14年税表里claim），不能超过配额，超过了，怎么处理？还是那句话，2000以内不罚款，2000以上要罚款。这个是乌龟的屁股，规定。

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