E like me kahi Hui e hiki ai iāʻoe ke koho i waena o nāʻoihana uku uku uku kālā
Uku uku a pāʻoihana paha ma nā Dividends?
Nā Pōʻalima Pālākiʻi a me nā Kinoʻole
Inā hoʻolimalima ka hui iāʻoe i ka ukuʻoihana ,ʻo ka uku nui ka loaʻa iāʻoe kahi kālā pilikino.
Eia keʻano:
- Hiki iāʻoe ke kōkua i kahi REER (ma muli o kou mau makahiki).
- E uku anaʻoe i ka Plan Pension Canada (CPP). No ka hopena o kāu penihana hoʻolimalima CPP ma ka nui, a no ka lōʻihi o kāu hoʻoikaikaʻana i ka Papahana, hiki ke hoʻolimalima nui i ka hoʻomaha.
- ʻO ka ukuʻoihana a uku kālā paha i ukuʻia ma waho, he uku hoʻoili no ka hui.
- Ma waho o ka ukuʻana iāʻoe iho, hiki iāʻoe ke hana i kekahi mau kālā loaʻa ma ka uku ukuʻana i nā limahana i pili like me ka wahine a me nā keiki paha. (E nānā i ka ukuʻana o ka uku kālāʻauhau kālā o ka Canadian Canadian Tax Income Splitting ).
ʻO ka paʻakikī nui i ka ukuʻana iāʻoe iho i uku no kāu hui,ʻo iaʻoe e loaʻa kahi waiwai kālā. ʻO ka uku uku he hoʻokahi haneri pakenekaʻauhau (ʻaʻohe likeʻole o nā puʻupuʻu, i auhauʻia ma ka liʻiliʻi lalo) no laila, hiki i ka ukuʻana iāʻoe iho i uku uku ke hoʻonui i kāu ukana.
E pili ana i ka Plan Pension Plan (CPP), e hoʻomaopopoʻoe e uku i nā'āpana o ka CPP no ka meaʻoʻoe ka mea hana a me ka limahana.
ʻO kekahi hemahema paha, ponoʻoe e hana i ka uku uku ināʻoe e uku iāʻoe i ka ukuʻoihana. Ponoʻoe e hoʻokumu i kahi pūnaewele'Akepili me ka Canada Agency Revenue Agency a hana i nā pepa pepa likeʻole e like me ka hoʻomākaukauʻana i nā pālani T4.
A ināʻoe e hana ana i kahiʻoihana e hoʻololi ana nā waiwai mai kēlā makahiki kēia makahiki, e uku anaʻoe i ka uku uku hiki iāʻoe ke hoʻoili i nā pilikia kālepa no ka mea,ʻaʻoleʻoe e hiki ke hoʻihoʻi i ka pohoʻoihana i nā makahiki e hiki mai ana, no ka hiki iāʻoe inā ua ukuʻoe iāʻoe iho nā māhele.
Nā Paʻima a me nā Pōpili
Inā hoʻolimalima ka hui iāʻoe i nā'āpana'āina , pono nā pono:
- E auhauʻia nā māhele i ka palena haʻahaʻa ma mua o ka uku, e hiki ai iāʻoe ke uku i kaʻauhau ponoʻole.
- ʻAʻole hiki iāʻoe ke uku i ka Plan Pension Canada e mālama iāʻoe i ke kālā.
- ʻO ka ukuʻana iāʻoe me nā'āpana he mea maʻalahi. Kākauʻoe i kahi leka iāʻoe mai kāu hui a ma ka hopena o ka makahiki, hoʻololiʻoe i ka puke minute o kāu hui a hoʻomākaukau i kahi hoʻoholo o ka luna no nā māhele i ukuʻia.
Eia nō naʻe, he mau mea kūponoʻole . Ma waho o ka mea hiki paha iāʻoe ke uku i ka CPP (Canada Pension Plan) no ka meaʻaʻole e uku ana i ka nui o ka CPP e hiki iāʻoe ke hoʻomaha,
- ʻAʻole eʻaeʻoe i ka hāʻawiʻana i nā pākaʻina i kāu kōkua i kahi REER me kāu kālāʻole, a;
- ʻO ka loaʻaʻana o nā pākēka ma kahi o ka uku hiki iāʻoe ke "hōʻoki" i nā unuhiʻia o kaʻauhau kālā pilikino hiki ke ukuʻia noʻoe, e like me ka hoʻokaʻawaleʻana i ka lilo o nā keiki.
He hui maikaʻiʻo ka uku uku a me nā māhele maikaʻi?
I ka wā pinepine, ukuʻia ka uku uku uku / uku kālā no ka hōʻoiaʻanaʻaʻole e loaʻa i kahi hui kālā he $ 500,000, a laila e ukuʻia nā waiwai inā loaʻa nā uku.
Loaʻa kēia no $ 500,000 ka palena liʻiliʻi liʻiliʻi . Ma muli o kēia nui o ke kālā, ua uku ka'Āhui Kanikau Kanikau o ka Canadian (CCPC) i kaʻauhau kālā ma ka liʻiliʻi loa ma mua o ka loaʻaʻana o nā kālā ma kēia kālā (ma kahi kaʻina kālā e pili ana i 16% ma muli o ka'āina e hanaʻia ana).
E nānā i nāʻano o nā hui i Canada a me kaʻauhauʻauhau no nā kiko'ī e pili ana i ka mea i hoʻonohonohoʻia e kahi hui mālama kūʻokoʻa o Kanada a me ka hōʻuluʻulu o kona kūlana kālā kālā .
No laila,ʻaneʻane hiki ke uku i ka mea nona ka uku i uku nui no ka ho'ēmiʻana i ka loaʻa kālā i kēia $ 500,000.
Eia naʻe,ʻo ka pane "kūpono" i ka uku ma ka uku uku a pane uku paha i ka nīnau pili pono loa i nā kūlana kālā pilikino pono'ī o ka mea hana. He aha kāuʻano kālā loaʻa? He aha kāu nele i ka nele? He aha ke kālā hōʻikeʻike a kaʻahahui no ka makahiki? He wahi nui o ka hale kūʻai RRSP a iʻole nā hōʻalo kālā 'auhau pilikino'ē aʻe? ʻehia ou makahiki?
Ma muli o kēia, uaʻoi aku ka maikaʻi o ka hoʻoholo uku a me ka hapalā me ka'ōlelo aʻo likeʻole e like me ka mea kākau , mea hoʻolālā kālā, aʻaia paha.