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请问什么是pension adjustment?

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鲜花(10) 鸡蛋(7)
发表于 2015-2-21 00:07 来自手机 | 显示全部楼层 |阅读模式
老杨团队,追求完美;客户至上,服务到位!
pension adjustment是什么啊,这个占用了买rrsp的额度。是咋回事?
鲜花(10) 鸡蛋(7)
 楼主| 发表于 2015-2-21 00:13 来自手机 | 显示全部楼层
这个PA占用了rrsp额度,这个年度不能免税,而且也不知道在哪里,不像rrsp那样看得到,必要时候还可以取出来。
鲜花(2) 鸡蛋(0)
发表于 2015-2-21 00:14 | 显示全部楼层
What is a Pension Adjustment?
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) I1 G: U4 `7 q3 A: ?A pension adjustment or PA is an amount that reduces the RRSP deduction limit of persons who are in a company-sponsored registered pension plans. This is an attempt to equalize the various tax deferred savings programs in Canada and ensure that persons who participate in a company pension plan do not have the same level of RRSP contributions as those who do not.
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Thus, persons who are not in a pension plan do not have a pension adjustment. Those who participate in a registered pension plan or a deferred profit sharing plan have a pension adjustment reported for each year of participation on their T4 slip (Statement of Remuneration Paid). The pension adjustment reported in a calendar year reduces allowable contributions to an RRSP for the next calendar year.
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7 \( c& K) L0 F9 _) U8 `4 i2 CThe PA is the amount contributed by an employee and/or employer to an employee account in a defined contribution pension plan or deferred profit sharing plan, or the deemed value of pension benefits accrued during the year in a defined benefit pension plan. 4 r4 P0 y4 p. y0 {* F, Q; |% N6 G
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If a person is a member of a defined benefit pension plan, the PA is equal to nine times the benefit accrued during the year less $600. For example, a person who earned $40,000 would be able to contribute $7,200 or18% of earnings to the RRSP in the following year if there were no company pension. However, if the person earned a pension of, say, $500 last year in a company pension plan, then there would be a PA of $3,900 (9 times $500 less $600). The PA reduces the maximum allowable RRSP contribution to $3,300 ($7,200 less $3,900).
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鲜花(10) 鸡蛋(7)
 楼主| 发表于 2015-2-21 00:26 来自手机 | 显示全部楼层
老杨团队 追求完美
shuishangtian 发表于 2015-2-21 00:14
3 ], h8 E! D) F* }4 K+ ^What is a Pension Adjustment?
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5 v, f2 `6 j; P( o* b1 tA pension adjustment or PA is an amount that reduces the RRSP deduc ...
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按这个说法,公司给买了500快的PA,却占用了3900块的rrsp额度(假设3900快的退税率30%就是1300快)那不是亏大了啊?
鲜花(1) 鸡蛋(0)
发表于 2015-2-21 01:19 | 显示全部楼层
大型搬家
鲜花(10) 鸡蛋(0)
发表于 2015-2-21 08:30 来自手机 | 显示全部楼层
500不是你contribute 了500, 是 you will receive $500 every year because of your this year's service when you retired.
鲜花(10) 鸡蛋(7)
 楼主| 发表于 2015-2-21 09:22 来自手机 | 显示全部楼层
老杨团队,追求完美;客户至上,服务到位!
lmyczh 发表于 2015-2-21 08:30
: G* o( @6 M5 Q0 ]: W" R% n500不是你contribute 了500, 是 you will receive $500 every year because of your this year's service  ...
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意思这个钱现在是归政府的,自己看不见摸不着,要等67岁退休后才能取出来?
8 l' v7 K: u% d% Y* Z# k8 D那感觉还是比不上rrsp啊,即能减税,有需要的时候还能拿出来应急用
鲜花(1005) 鸡蛋(11)
发表于 2015-2-21 09:31 | 显示全部楼层
在Ontario, 公司给买了lock in RRSP, 这个占用了买rrsp的额度,是pension adjustment
鲜花(122) 鸡蛋(1)
发表于 2015-2-21 10:13 来自手机 | 显示全部楼层
陈海峰 发表于 2015-2-21 09:22
9 k/ ?8 F* ^# P" u  @意思这个钱现在是归政府的,自己看不见摸不着,要等67岁退休后才能取出来?& h+ u3 D  D1 d  i
那感觉还是比不上rrsp啊,即 ...

' T( a+ P% n- }: o, F6 _2 Q问题是政府如果不给你存,你每年拿得出来那么多钱存rrsp吗? 今年可能可以,以后这二三十年呢?公务员有比较多的pa,同时他们工资并没多高,可支配收入并不多。私人部门没有pa, 他们的养老方案更多是雇主match rrsp或自缴rrsp。pension并不是取不出来,可以申请转rrsp,如果你不在有pension的地方继续干了的话
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鲜花(10) 鸡蛋(7)
 楼主| 发表于 2015-2-21 10:27 来自手机 | 显示全部楼层
老杨团队,追求完美;客户至上,服务到位!
watercress 发表于 2015-2-21 10:13- n0 D. u- M# }& V( k8 ^# K
问题是政府如果不给你存,你每年拿得出来那么多钱存rrsp吗? 今年可能可以,以后这二三十年呢?公务员有比 ...
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你的意思是PA比rrsp强?
理袁律师事务所
鲜花(122) 鸡蛋(1)
发表于 2015-2-21 10:51 来自手机 | 显示全部楼层
没有什么谁比谁强的意思。而且要比是比最终你withdraw时的amount。现在从何比起? 大多数defined benefit pension到头来根据你的工作年限每月固定一笔pension income 一般和你每年缴多少没直接联系。如果你自认投资高手钱放在自己账户里管理的更好,有更高回报率。那么你确实不该在公共部门待着,不如干脆leverage investing好了,你还在乎那点rrsp作甚。如果你天天惦记着把钱从退休计划里取出来,无论是pension还是rrsp,首先你能不扣税拿出来就那么俩途径,更何况你还要以后定期还清。如果你只是在讨论理论上能否取出来自用,那我也已经说过了,一定条件下pension可以转rrsp。对于离退休还远就在琢磨取款的理论讨论本身就很矫情。人家design时就不是让你能轻易取出来用的。句号。
大型搬家
鲜花(10) 鸡蛋(7)
 楼主| 发表于 2015-2-21 11:10 来自手机 | 显示全部楼层
watercress 发表于 2015-2-21 10:51
4 K" U/ D  _' A没有什么谁比谁强的意思。而且要比是比最终你withdraw时的amount。现在从何比起? 大多数defined benefit p ...

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