{"id":1309,"date":"2026-06-06T10:02:51","date_gmt":"2026-06-06T10:02:51","guid":{"rendered":"https:\/\/lets-canada.com\/%e3%80%90%e7%94%9f%e6%b4%bb%e6%8c%87%e5%8d%97%e3%80%91%e5%8a%a0%e6%8b%bf%e5%a4%a7%e7%a8%85%e5%8b%99%e6%8c%87%e5%8d%97-2024%ef%bd%9c%e6%89%80%e5%be%97%e7%a8%85%e7%94%b3%e5%a0%b1%ef%bd%9c%e5%85%8d\/"},"modified":"2026-09-16T09:17:14","modified_gmt":"2026-09-16T09:17:14","slug":"%e3%80%90%e7%94%9f%e6%b4%bb%e6%8c%87%e5%8d%97%e3%80%91%e5%8a%a0%e6%8b%bf%e5%a4%a7%e7%a8%85%e5%8b%99%e6%8c%87%e5%8d%97-2024%ef%bd%9c%e6%89%80%e5%be%97%e7%a8%85%e7%94%b3%e5%a0%b1%ef%bd%9c%e5%85%8d","status":"publish","type":"post","link":"https:\/\/lets-canada.com\/zh_tw\/%e3%80%90%e7%94%9f%e6%b4%bb%e6%8c%87%e5%8d%97%e3%80%91%e5%8a%a0%e6%8b%bf%e5%a4%a7%e7%a8%85%e5%8b%99%e6%8c%87%e5%8d%97-2024%ef%bd%9c%e6%89%80%e5%be%97%e7%a8%85%e7%94%b3%e5%a0%b1%ef%bd%9c%e5%85%8d\/","title":{"rendered":"\u52a0\u62ff\u5927\u7a05\u52d9\u6307\u5357\uff082026\uff09\uff1a\u9996\u6b21\u5831\u7a05\u3001\u798f\u5229\u8207 TFSA\uff0fRRSP \u984d\u5ea6"},"content":{"rendered":"<div data-lc-editorial-article=\"1309\">\n<p class=\"lc-reviewed-date\">\u8cc7\u6599\u67e5\u6838\uff1a2026 \u5e74 9 \u6708 16 \u65e5\uff5c\u4e00\u822c\u7a05\u52d9\u8cc7\u8a0a\uff1b\u500b\u4eba\u7a05\u7c4d\u8207\u7533\u5831\u7d50\u679c\u9808\u6309\u5be6\u969b\u60c5\u6cc1\u5224\u5b9a\u3002<\/p>\n<p>\u52a0\u62ff\u5927\u5831\u7a05\u61c9\u5148\u91d0\u6e05\u7a05\u52d9\u5c45\u6c11\u8eab\u5206\u3001\u6536\u5165\u6240\u5c6c\u671f\u9593\u53ca\u7533\u5831\u7fa9\u52d9\uff0c\u518d\u8655\u7406\u798f\u5229\u8207\u5132\u84c4\u5e33\u6236\u3002PR\u3001\u516c\u6c11\u3001\u8a2a\u5ba2\u3001\u5b78\u751f\u6216\u5de5\u4f5c\u8a31\u53ef\u6301\u6709\u4eba\uff0c\u90fd\u4e0d\u80fd\u53ea\u9760\u79fb\u6c11\u8eab\u5206\u76f4\u63a5\u5224\u70ba\u7a05\u52d9\u5c45\u6c11\u6216\u975e\u5c45\u6c11\u3002CRA \u6703\u6309\u4f4f\u6240\u3001\u914d\u5076\uff0f\u540c\u5c45\u4f34\u4fb6\u3001\u53d7\u6276\u990a\u4eba\u7b49\u91cd\u8981\u5c45\u4f4f\u806f\u7e6b\uff0c\u4ee5\u53ca\u5176\u4ed6\u76f8\u95dc\u4e8b\u5be6\u5224\u65b7\uff1b\u4e0d\u78ba\u5b9a\u6642\u53ef\u4f9d<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/international-non-residents\/information-been-moved\/determining-your-residency-status.html\">CRA \u7a05\u7c4d\u6846\u67b6<\/a>\u63d0\u4f9b\u5b8c\u6574\u8cc7\u6599\uff0c\u5fc5\u8981\u6642\u4f7f\u7528 NR74 \u7533\u8acb\u5165\u5883\u7a05\u7c4d\u610f\u898b\u3002<\/p>\n<figure><img decoding=\"async\" src=\"https:\/\/lets-canada.com\/wp-content\/uploads\/2026\/06\/post_685_1733503747506-773e56e4078f.jpg\" alt=\"\u4e00\u540d\u4f7f\u7528\u7b46\u96fb\u7684\u4eba\u624b\u6301\u4ed8\u6b3e\u5361\uff0c\u4f5c\u70ba\u8655\u7406\u500b\u4eba\u8ca1\u52d9\u7684\u793a\u610f\u3002\" width=\"1080\" height=\"720\" style=\"width:100%;height:auto\" loading=\"lazy\"><figcaption>\u500b\u4eba\u8ca1\u52d9\u60c5\u5883\u793a\u610f\uff0c\u975e CRA \u5831\u7a05\u756b\u9762\u3001\u9280\u884c\u63a8\u85a6\u6216\u771f\u4eba\u7a05\u52d9\u6848\u4f8b\u3002\u7167\u7247\u65bc 2024 \u5e74\u767c\u5e03\uff1a<a href=\"https:\/\/unsplash.com\/photos\/a-person-sitting-in-a-chair-with-a-laptop-and-a-credit-card-ShB9pI4mpRg\">SumUp \/ Unsplash<\/a>\uff0c\u4f9d <a href=\"https:\/\/unsplash.com\/license\">Unsplash License<\/a> \u4f7f\u7528\u3002<\/figcaption><\/figure>\n<p>\u300c\u4f4f\u6eff 183 \u5929\u624d\u8981\u5831\u7a05\u300d\u4e26\u4e0d\u6b63\u78ba\uff1a\u5efa\u7acb\u91cd\u8981\u5c45\u4f4f\u806f\u7e6b\u8005\u53ef\u80fd\u66f4\u65e9\u6210\u70ba\u5c45\u6c11\uff1b\u6c92\u6709\u9019\u4e9b\u806f\u7e6b\u3001\u4f46\u4e00\u5e74\u5728\u52a0\u62ff\u5927\u505c\u7559\u9054 183 \u5929\u8005\uff0c\u53ef\u80fd\u9069\u7528 deemed resident\uff08\u8996\u540c\u5c45\u6c11\uff09\u898f\u5247\u3002\u7a05\u52d9\u5354\u5b9a\u53ca\u5176\u5c45\u6c11\u5224\u5b9a\u4e5f\u53ef\u80fd\u6539\u8b8a\u7d50\u679c\u3002<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/international-non-residents\/individuals-leaving-entering-canada-non-residents\/deemed-residents.html\">CRA \u8996\u540c\u5c45\u6c11\u8aaa\u660e<\/a>\u53e6\u5217\u5168\u5e74\u5168\u7403\u6240\u5f97\u53ca\u806f\u90a6\u9644\u52a0\u7a05\u7b49\u8655\u7406\uff0c\u4e0d\u80fd\u628a\u9019\u985e\u60c5\u6cc1\u76f4\u63a5\u5957\u7528\u5230\u4e00\u822c\u5165\u5883\u5e74\u5ea6\u7684\u90e8\u5206\u5e74\u5ea6\u5c45\u6c11\u3002<\/p>\n<h4>\u9996\u6b21\u7533\u5831\uff1a\u5148\u5206\u6536\u5165\u671f\u9593\uff0c\u518d\u6838\u5c0d\u6d41\u7a0b\u8207\u798f\u5229<\/h4>\n<p>\u6210\u70ba\u5c45\u6c11\u7684\u5165\u5883\u5e74\u5ea6\uff0c\u901a\u5e38\u9808\u4ee5\u52a0\u5143\u7533\u5831\u5c45\u6c11\u671f\u9593\u7684\u5168\u7403\u6240\u5f97\uff1b\u6210\u70ba\u5c45\u6c11\u4e4b\u524d\u5247\u6309\u898f\u5247\u7533\u5831\u7279\u5b9a\u52a0\u62ff\u5927\u4f86\u6e90\u6240\u5f97\u3002\u5c45\u4f4f\u52a0\u62ff\u5927\u4e4b\u524d\u7684\u5883\u5916\u6240\u5f97\u901a\u5e38\u4e0d\u56e0\u6b64\u8b8a\u6210\u52a0\u62ff\u5927\u61c9\u7a05\u6240\u5f97\uff0c\u4f46\u53ef\u80fd\u4ecd\u9808\u63d0\u4f9b\u8cc7\u6599\u4ee5\u8a08\u7b97\u798f\u5229\u6216\u62b5\u514d\u3002<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/international-non-residents\/individuals-leaving-entering-canada-non-residents\/newcomers-canada-immigrants\/completing-return-newcomers.html\">CRA \u65b0\u5c45\u6c11\u7533\u5831\u6307\u5f15<\/a>\u5340\u5206\u9019\u4e9b\u671f\u9593\uff1b\u4e0d\u53ef\u628a\u300c\u9700\u8981\u586b\u5beb\u6536\u5165\u8cc7\u6599\u300d\u7b49\u540c\u300c\u5168\u90e8\u90fd\u8981\u5728\u52a0\u62ff\u5927\u8ab2\u7a05\u300d\uff0c\u4e5f\u4e0d\u80fd\u4fdd\u8b49\u6d77\u5916\u5df2\u7e73\u7a05\u5c31\u514d\u7533\u5831\u3002\u8de8\u5883\u8cc7\u7522\u3001\u5354\u5b9a\u6216\u5916\u570b\u7a05\u984d\u62b5\u514d\u6d89\u53ca\u500b\u5225\u689d\u4ef6\uff0c\u53ef\u5e36\u5b8c\u6574\u7d00\u9304\u8acb\u5408\u8cc7\u683c\u5c08\u696d\u4eba\u58eb\u5354\u52a9\u3002<\/p>\n<p>\u500b\u4eba\u901a\u5e38\u4ee5 SIN \u7533\u5831\u3002<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/about-your-tax-return\/tax-return\/completing-a-tax-return\/personal-address-information\/social-insurance-number.html\">CRA \u7684 SIN \u8aaa\u660e<\/a>\u8981\u6c42\u6709\u8cc7\u683c\u8005\u5411 Service Canada \u7533\u8acb\uff1b\u4e0d\u662f\u6240\u6709\u81e8\u6642\u5c45\u6c11\u90fd\u6539\u7528\u81e8\u6642\u7a05\u865f\u3002\u7121\u6cd5\u53d6\u5f97 SIN \u8005\uff0cCRA \u7684<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/international-non-residents\/individuals-leaving-entering-canada-non-residents\/newcomers-canada-immigrants.html\">\u65b0\u5c45\u6c11\u7a0b\u5e8f<\/a>\u53ef\u80fd\u9069\u7528 TTN\uff1b\u7279\u5b9a\u4e0d\u5177 SIN \u8cc7\u683c\u7684\u975e\u5c45\u6c11\u5247\u53ef\u4f9d<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/international-non-residents-tax\/in-outside-canada\/apply-individual-tax-number.html\">ITN \u7a0b\u5e8f<\/a>\u7533\u8acb\u3002\u5df2\u7372 SIN\uff0fITN\uff0fTTN \u8005\u61c9\u4f9d\u898f\u5247\u6cbf\u7528\uff0c\u4e0d\u80fd\u91cd\u8907\u9020\u865f\u6216\u501f\u7528\u4ed6\u4eba\u865f\u78bc\u3002\u6c92\u6709\u865f\u78bc\u800c\u9700\u7533\u5831\u6642\uff0c\u53ef\u6309 CRA \u6307\u793a\u4ea4\u7d19\u672c\u3001\u9644\u672a\u6709 SIN \u7684\u539f\u56e0\u53ca\u8eab\u5206\u6587\u4ef6\uff0c\u4e0d\u61c9\u81ea\u884c\u8a8d\u5b9a\u53ef\u4ee5\u4e0d\u7533\u5831\u3002<\/p>\n<p>\u9996\u6b21\u5831\u7a05\u4e0d\u7b49\u65bc\u4e00\u5f8b\u4e0d\u80fd\u7db2\u5831\u3002\u662f\u5426\u53ef\u7528 NETFILE\uff0c\u8981\u6838\u5c0d\u7533\u5831\u5e74\u5ea6\u3001\u7a05\u865f\u53ca\u500b\u4eba\u60c5\u6cc1\uff1b<a href=\"https:\/\/www.canada.ca\/en\/services\/taxes\/income-tax\/personal-income-tax\/how-file\/tax-software\/send-return\/netfile.html\">CRA \u7684\u73fe\u884c\u8cc7\u683c\u8207\u9650\u5236<\/a>\u5217\u51fa\u53ef\u7528\u7684 SIN\u3001\u90e8\u5206 TTN\uff0c\u4ee5\u53ca\u8996\u540c\u5c45\u6c11\u7b49\u4e0d\u9069\u7528\u60c5\u6cc1\u3002\u9078\u64c7\u652f\u63f4\u81ea\u8eab\u60c5\u6cc1\u7684\u8a8d\u8b49\u8edf\u9ad4\uff0c\u82e5\u4e0d\u7b26\u5408\u7dda\u4e0a\u689d\u4ef6\uff0c\u5c31\u6539\u7528\u9069\u7528\u7533\u5831\u65b9\u5f0f\u3002Qu\u00e9bec \u7684\u7701\u7d1a\u7dda\u4e0a\u7cfb\u7d71\u8207\u806f\u90a6 NETFILE \u4e5f\u4e0d\u662f\u540c\u4e00\u9805\u670d\u52d9\u3002<\/p>\n<p>CRA \u5e33\u6236\u8a3b\u518a\u8207\u63d0\u4ea4\u7a05\u8868\u662f\u4e0d\u540c\u6d41\u7a0b\u3002\u6309<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/e-services\/cra-login-services\/register-cra-sign-in-services.html\">CRA \u73fe\u884c\u8a3b\u518a\u6307\u5f15<\/a>\uff0c\u4ee5 CRA \u767b\u5165\u8cc7\u6599\u6216 Sign-In Partner \u65b0\u8a3b\u518a\uff0c\u9808\u5df2\u7533\u5831\u7576\u5e74\u6216\u524d\u4e00\u7a05\u5e74\uff0c\u4e26\u6309\u6700\u8fd1\u5df2\u8a55\u7a05\u7684\u7a05\u8868\u8cc7\u6599\u9a57\u8b49\uff1b\u5f9e\u672a\u7533\u5831\u8005\u4e0d\u80fd\u76f4\u63a5\u5957\u7528\u9019\u5169\u7a2e\u8a3b\u518a\u65b9\u5f0f\u3002Alberta\uff0fBC \u7684 provincial partner \u8def\u5f91\u53e6\u6709\u7121\u9700\u5148\u524d\u7a05\u8868\u7684\u9078\u9805\u53ca\u8cc7\u683c\u689d\u4ef6\u3002\u4e0d\u8981\u56e0\u5c1a\u672a\u5efa\u7acb\u5e33\u6236\uff0c\u5c31\u628a\u7533\u5831\u671f\u9650\u5f80\u5f8c\u5ef6\u3002<\/p>\n<p>\u52a0\u62ff\u5927\u500b\u4eba\u6240\u5f97\u7a05\u6d89\u53ca\u806f\u90a6\u53ca\u7701\uff0f\u5730\u5340\u90e8\u5206\u3002<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/international-non-residents\/individuals-leaving-entering-canada-non-residents\/newcomers-canada-immigrants.html\">CRA \u7684\u5236\u5ea6\u8aaa\u660e<\/a>\u6db5\u84cb\u5927\u591a\u6578\u7701\u5340\uff1b\u82e5\u5728\u7a05\u5e74 12 \u6708 31 \u65e5\u5c45\u4f4f Qu\u00e9bec\uff0c<a href=\"https:\/\/www.revenuquebec.ca\/en\/citizens\/your-situation\/new-residents\/income-tax-return\/\">Revenu Qu\u00e9bec \u65b0\u5c45\u6c11\u6307\u5f15<\/a>\u8aaa\u660e\u9808\u5411 CRA \u8207 Revenu Qu\u00e9bec \u5206\u5225\u7533\u5831\u3002\u4e0d\u8981\u628a\u4e00\u5f35\u806f\u90a6\u7a05\u8868\u7576\u6210\u6db5\u84cb\u6240\u6709\u7701\u7d1a\u7a0b\u5e8f\uff0c\u4e5f\u4e0d\u8981\u628a\u7a05\u7c4d\u5c45\u4f4f\u7701\u4efd\u76f4\u63a5\u7b49\u540c\u6700\u65e9\u5165\u5883\u7684\u6a5f\u5834\u6240\u5728\u5730\u3002<\/p>\n<p>\u4ee5\u4e0b\u65e5\u671f\u662f\u5df2\u904e\u53bb\u7684 2025 \u6240\u5f97\u5e74\u5ea6\u7533\u5831\u671f\u9650\uff1a\u4e00\u822c\u500b\u4eba\u70ba 2026 \u5e74 4 \u6708 30 \u65e5\uff1b\u672c\u4eba\u6216\u914d\u5076\uff0f\u540c\u5c45\u4f34\u4fb6\u7b26\u5408\u81ea\u50f1\u689d\u4ef6\u8005\uff0c\u901a\u5e38\u70ba 6 \u6708 15 \u65e5\uff0c\u4f46\u6b20\u7a05\u4ecd\u9808\u5728 4 \u6708 30 \u65e5\u652f\u4ed8\u3002<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/important-dates-individuals\/filing-dates-tax-return.html\">CRA \u671f\u9650\u8868<\/a>\u53e6\u5217\u4e3b\u8981\u6d89\u53ca tax shelter \u6295\u8cc7\u7684\u696d\u52d9\u53ca\u6b7b\u4ea1\u7b49\u7279\u6b8a\u60c5\u6cc1\u3002\u4e0d\u8981\u628a\u81ea\u50f1\u7684\u8f03\u665a\u7533\u5831\u65e5\u7576\u6210\u5ef6\u5f8c\u7e73\u7a05\u65e5\uff1b\u6f0f\u5831\u6216\u6b20\u7a05\u61c9\u76e1\u5feb\u78ba\u8a8d\u4e26\u8655\u7406\uff0c\u9019\u4e9b\u65e5\u671f\u4e5f\u4e0d\u662f\u4e0b\u4e00\u500b\u5e74\u5ea6\u7684\u65b0\u622a\u6b62\u65e5\u3002<\/p>\n<p>\u5831\u7a05\u4e0d\u4fdd\u8b49\u9000\u7a05\u3002<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/educational-programs\/after-sending-tax-return.html\">CRA \u8a55\u7a05\u901a\u77e5\u8aaa\u660e<\/a>\u5217\u51fa\u9000\u7a05\u3001\u6b20\u7a05\u6216\u96f6\u7d50\u9918\u4e09\u7a2e\u7d50\u679c\uff1b\u9000\u7a05\u662f\u8a55\u7a05\u5f8c\u7684\u7a05\u52d9\u7d50\u7b97\uff0c\u4e26\u4e0d\u7b49\u540c\u653f\u5e9c\u798f\u5229\u3002\u6536\u5230 notice of assessment \u5f8c\uff0c\u61c9\u6838\u5c0d\u6536\u5165\u3001\u6263\u9664\u3001\u62b5\u514d\u53ca CRA \u7684\u8abf\u6574\u539f\u56e0\uff0c\u4fdd\u5b58\u7533\u5831\u7248\u672c\u8207\u8b49\u660e\u3002\u4e0d\u8981\u628a\u5ee3\u544a\u4e2d\u7684\u4f30\u8a08\u9000\u7a05\u984d\u7576\u6210\u78ba\u5b9a\u53ef\u9818\u6b3e\u9805\u3002<\/p>\n<p>\u798f\u5229\u53e6\u5916\u6709\u8cc7\u683c\u8207\u7533\u8acb\u689d\u4ef6\uff0c\u4e26\u975e\u53ea\u8981\u5831\u7a05\u5c31\u80fd\u9818\u53d6\u3002\u81ea 2026 \u5e74 7 \u6708\u8d77\uff0c<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/child-family-benefits\/canada-groceries-essentials-benefit.html\">Canada Groceries and Essentials Benefit\uff08CGEB\uff09<\/a>\u53d6\u4ee3 GST\/HST credit\u3002\u5176<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/child-family-benefits\/canada-groceries-essentials-benefit\/who-eligible.html\">\u8cc7\u683c<\/a>\u6d89\u53ca\u4ed8\u6b3e\u524d\u4e00\u500b\u6708\u53ca\u4ed8\u6b3e\u6708\u958b\u59cb\u6642\u7684\u52a0\u62ff\u5927\u7a05\u52d9\u5c45\u6c11\u8eab\u5206\u3001\u5e74\u9f61\uff0f\u5bb6\u5ead\u689d\u4ef6\u8207\u8abf\u6574\u5f8c\u5bb6\u5ead\u6de8\u6536\u5165\uff1b\u4e0d\u80fd\u53ea\u6191\u65b0\u79fb\u6c11\u8eab\u5206\u5224\u5b9a\u7b26\u5408\u3002\u65b0\u5c45\u6c11\u5728\u9996\u6b21\u7a05\u8868\u5230\u671f\u524d\u4e5f\u53ef\u80fd\u6309<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/international-non-residents\/individuals-leaving-entering-canada-non-residents\/newcomers-canada-immigrants.html\">CRA \u65b0\u5c45\u6c11\u798f\u5229\u7a0b\u5e8f<\/a>\u7533\u8acb\uff0c\u4e0d\u5fc5\u4e00\u5f8b\u7b49\u5230\u9996\u6b21\u5e74\u5ea6\u7533\u5831\u5b8c\u6210\u3002<\/p>\n<p><a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/child-family-benefits\/canada-child-benefit\/who-apply.html\">Canada Child Benefit\uff08CCB\uff09<\/a>\u5247\u8981\u6c42\u8207\u672a\u6eff 18 \u6b72\u5b50\u5973\u540c\u4f4f\u3001\u4e3b\u8981\u8ca0\u8cac\u7167\u9867\u3001\u7b26\u5408\u7a05\u52d9\u5c45\u6c11\u7b49\u689d\u4ef6\uff0c\u4e14\u672c\u4eba\u6216\u914d\u5076\uff0f\u540c\u5c45\u4f34\u4fb6\u9808\u7b26\u5408\u6307\u5b9a\u8eab\u5206\u985e\u5225\u3002\u4ee5\u81e8\u6642\u5c45\u6c11\u8cc7\u683c\u7533\u8acb\u6642\uff0c\u9084\u6d89\u53ca\u6b64\u524d\u5728\u52a0\u62ff\u5927\u5c45\u4f4f 18 \u500b\u6708\u53ca\u7b2c 19 \u500b\u6708\u6301\u6709\u6548\u8a31\u53ef\u7b49\u689d\u4ef6\uff1b\u8a31\u53ef\u4e0d\u5f97\u8f09\u6709\u4e0d\u8ce6\u4e88\u81e8\u6642\u5c45\u6c11\u8eab\u5206\u7684\u9650\u5236\u7528\u8a9e\u3002\u9019\u4e0d\u662f\u6240\u6709\u6301\u5b78\u7c3d\u6216\u5de5\u7c3d\u5bb6\u5ead\u7acb\u5373\u53ef\u9818\u7684\u7d66\u4ed8\u3002\u5bb6\u5ead\u6536\u5165\u3001\u76e3\u8b77\u53ca\u8eab\u5206\u8b8a\u5316\u4e5f\u53ef\u80fd\u5f71\u97ff\u8cc7\u683c\u6216\u91d1\u984d\u3002<\/p>\n<h4>TFSA \u8207 RRSP\uff1a\u5148\u7b97\u81ea\u5df1\u7684\u984d\u5ea6\uff0c\u518d\u6c7a\u5b9a\u5b58\u5165<\/h4>\n<p>TFSA \u4e26\u4e0d\u662f\u55ae\u4e00\u6295\u8cc7\u7522\u54c1\uff0c\u4e5f\u4e0d\u662f\u4eba\u4eba\u4e00\u5165\u5883\u5c31\u53d6\u5f97\u5168\u90e8\u6b77\u53f2\u984d\u5ea6\u3002<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/tax-free-savings-account\/opening.html\">CRA \u958b\u6236\u898f\u5247<\/a>\u4ee5\u5e74\u6eff 18 \u6b72\u3001\u6709\u6548 SIN \u53ca\u52a0\u62ff\u5927\u5c45\u6c11\u7b49\u689d\u4ef6\u8aaa\u660e\u5c45\u6c11\u958b\u6236\uff1b\u90e8\u5206\u7701\u5340\u9808\u6eff 19 \u6b72\u624d\u80fd\u7c3d\u7d04\u958b\u6236\uff0c\u4f46\u7b26\u5408\u689d\u4ef6\u8005 18 \u6b72\u5e74\u5ea6\u7684\u984d\u5ea6\u53ef\u4fdd\u7559\u3002\u65b0\u5c45\u6c11\u4e0d\u80fd\u88dc\u62ff\u5148\u524d\u975e\u5c45\u6c11\u5e74\u4efd\u7684\u984d\u5ea6\u3002\u975e\u5c45\u6c11\u53ef\u4ee5\u6301\u6709\u65e2\u6709 TFSA\uff0c\u4e0d\u4ee3\u8868\u53ef\u4ee5\u514d\u7a05\u7e7c\u7e8c\u4f9b\u6b3e\uff1b\u4e0d\u80fd\u53ea\u4ee5\u9280\u884c\u9858\u610f\u6536\u6b3e\u5224\u5b9a\u7a05\u52d9\u8cc7\u683c\u3002<\/p>\n<p><a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/tax-free-savings-account\/contributing\/calculate-room.html\">CRA \u516c\u5e03\u7684 2026 \u5e74 TFSA \u5e74\u5ea6\u9650\u984d\u70ba CAD 7,000<\/a>\uff0c\u4f46\u5e74\u5ea6\u9650\u984d\u4e0d\u7b49\u65bc\u6bcf\u500b\u4eba\u7684\u5373\u6642\u5269\u9918\u984d\u5ea6\u3002\u5be6\u969b\u8a08\u7b97\u9808\u8003\u616e\u7b26\u5408\u8cc7\u683c\u5e74\u5ea6\u7684\u672a\u7528\u984d\u5ea6\u3001\u7576\u5e74\u9069\u7528\u5e74\u5ea6\u984d\u5ea6\u3001\u53bb\u5e74\u63d0\u9818\u53ca\u4eca\u5e74\u4f9b\u6b3e\uff0c\u4e26\u5408\u4f75\u6240\u6709\u91d1\u878d\u6a5f\u69cb\u7684 TFSA\u3002CRA \u5e33\u6236\u4e0d\u662f\u5373\u6642\u4ea4\u6613\u5e33\u672c\uff1a\u91d1\u878d\u6a5f\u69cb\u6309\u5e74\u5ea6\u5831\u9001\u8cc7\u6599\uff0c\u4eca\u5e74\u5b58\u5165\u7684\u6b3e\u9805\u53ef\u80fd\u5c1a\u672a\u986f\u793a\u3002\u6bcf\u6b21\u4f9b\u6b3e\u524d\u61c9\u7528\u81ea\u5df1\u7684\u5168\u90e8\u4f9b\u6b3e\uff0f\u63d0\u9818\u7d00\u9304\u6838\u7b97\uff0c\u5fc5\u8981\u6642\u5411\u91d1\u878d\u6a5f\u69cb\u67e5\u660e\u5dee\u7570\u3002<\/p>\n<p><a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/tax-free-savings-account\/contributing\/before.html\">TFSA \u4f9b\u6b3e\u524d\u6307\u5f15<\/a>\u8aaa\u660e\uff0c\u63d0\u9818\u901a\u5e38\u5230\u4e0b\u4e00\u500b\u66c6\u5e74\u624d\u52a0\u56de\u53ef\u7528\u984d\u5ea6\uff1b\u540c\u5e74\u518d\u5b58\u5165\u4ecd\u9808\u6709\u8db3\u5920\u672a\u7528\u984d\u5ea6\u3002\u6295\u8cc7\u5347\u8dcc\u4e0d\u662f\u53e6\u52a0\u4f9b\u6b3e\u7a7a\u9593\u7684\u7406\u7531\u3002\u6210\u70ba\u975e\u5c45\u6c11\u5f8c\u4f9b\u6b3e\u901a\u5e38\u6703\u7522\u751f\u6bcf\u6708 1% \u7a05\uff0c\u5408\u8cc7\u683c\u8f49\u79fb\u6216\u7279\u5b9a\u8c41\u514d\u4f9b\u6b3e\u53e6\u6709\u4f8b\u5916\uff1b\u8d85\u984d\u4f9b\u6b3e\u4e5f\u53ef\u80fd\u8ab2\u7a05\u3002\u4e0d\u8981\u628a\u300cTFSA\u300d\u7684\u514d\u7a05\u540d\u7a31\u7406\u89e3\u6210\u4efb\u4f55\u4ea4\u6613\u90fd\u514d\u7a05\u6216\u6c92\u6709\u640d\u5931\u98a8\u96aa\u3002<\/p>\n<p>RRSP \u4f9d\u53e6\u4e00\u5957\u898f\u5247\u8a08\u7b97\u3002<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/rrsps-related-plans\/contributing-a-rrsp-prpp\/contributions-affect-your-rrsp-prpp-deduction-limit.html\">CRA \u7684\u984d\u5ea6\u516c\u5f0f<\/a>\u4e00\u822c\u628a\u524d\u4e00\u5e74\u5ea6 earned income\uff08\u6309\u7a05\u6cd5\u5b9a\u7fa9\u7684\u6536\u5165\uff09\u7684 18% \u8207\u5e74\u5ea6\u4e0a\u9650\u53d6\u8f03\u4f4e\u8005\uff0c\u518d\u8003\u616e\u672a\u7528\u6263\u9664\u984d\u5ea6\u53ca pension adjustment\u3001\u76f8\u95dc\u6c96\u56de\u6216\u904e\u5f80\u670d\u52d9\u8abf\u6574\u3002\u4e0d\u662f\u7528\u4eca\u5e74\u85aa\u8cc7\u81ea\u884c\u4e58 18% \u5c31\u53ef\u7acb\u523b\u5b58\u5165\uff0c\u4e5f\u4e0d\u80fd\u628a TFSA \u7684\u5c45\u6c11\u5e74\u5ea6\u984d\u5ea6\u5957\u904e\u4f86\u3002<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/international-non-residents\/individuals-leaving-entering-canada-non-residents\/newcomers-canada-immigrants\/completing-return-newcomers.html\">CRA \u65b0\u5c45\u6c11\u6307\u5f15<\/a>\u63d0\u9192\uff0c\u9996\u6b21\u7533\u5831\u5e74\u5ea6\u901a\u5e38\u5c1a\u7121 RRSP \u6263\u9664\u984d\u5ea6\uff0c\u4f46\u66fe\u6709\u52a0\u62ff\u5927\u7533\u5831\u53ca\u76f8\u95dc\u6536\u5165\u7d00\u9304\u8005\u53ef\u80fd\u4e0d\u540c\u3002<\/p>\n<p><a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/rrsps-related-plans\/contributing-a-rrsp-prpp\/where-you-find-your-rrsp-prpp-deduction-limit.html\">\u6700\u65b0\u8a55\u7a05\uff0f\u91cd\u8a55\u901a\u77e5\u3001T1028 \u6216 CRA \u5e33\u6236<\/a>\u53ef\u7528\u4f86\u67e5 RRSP deduction limit\u3002\u9019\u662f\u7576\u5e74\u53ef\u6263\u9664\u7684\u4e0a\u9650\uff0c\u4e0d\u4e00\u5b9a\u7b49\u65bc\u9084\u80fd\u65b0\u5b58\u591a\u5c11\u3002<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/topics\/rrsps-related-plans\/contributing-a-rrsp-prpp\/what-unused-rrsp-prpp-contributions.html\">unused contributions<\/a>\u662f\u5df2\u5b58\u5165\u3001\u5c1a\u672a\u7533\u8acb\u6263\u9664\u7684\u6b3e\u9805\uff0c\u4e0d\u662f\u5c1a\u672a\u4f7f\u7528\u7684\u5b58\u6b3e\u7a7a\u9593\u3002<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/educational-programs\/after-sending-tax-return.html\">\u8a55\u7a05\u901a\u77e5\u4e0a\u7684 available contribution room<\/a>\u6703\u8003\u616e\u9019\u4e9b\u6b3e\u9805\uff1b\u4f9b\u6b3e\u524d\u9084\u8981\u6838\u5c0d\u901a\u77e5\u4e4b\u5f8c\u5df2\u5b58\u5165\u7684\u91d1\u984d\uff0c\u907f\u514d\u628a\u540c\u4e00\u4efd\u7a7a\u9593\u7528\u5169\u6b21\u3002\u91cd\u8a55\u4e5f\u53ef\u80fd\u6539\u8b8a\u539f\u5148\u6578\u5b57\u3002<\/p>\n<p>\u4f9d<a href=\"https:\/\/www.canada.ca\/en\/revenue-agency\/services\/tax\/individuals\/educational-programs\/saving-future.html\">CRA \u8a3b\u518a\u5132\u84c4\u8a08\u756b\u8aaa\u660e<\/a>\uff0cTFSA \u4f9b\u6b3e\u4e0d\u80fd\u5f9e\u6240\u5f97\u6263\u9664\uff0c\u800c\u7b26\u5408\u689d\u4ef6\u7684\u5e33\u5167\u6536\u5165\u53ca\u63d0\u9818\u901a\u5e38\u514d\u7a05\uff1bRRSP 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RRSP\u300d\u4ee3\u66ff\u500b\u5225\u5224\u65b7\u3002<\/p>\n<p>\u6e96\u5099\u7533\u5831\u6642\uff0c\u53ef\u628a\u7a05\u7c4d\u8207\u62b5\u52a0\u65e5\u671f\u3001\u6536\u5165\u53ca\u5883\u5916\u7d00\u9304\u3001\u5bb6\u5ead\u8cc7\u6599\u3001\u4f9b\u6b3e\u6536\u64da\u3001\u6b77\u5e74\u8a55\u7a05\u901a\u77e5\u6574\u7406\u5728\u540c\u4e00\u4efd\u79c1\u4eba\u6e05\u55ae\u3002\u9019\u662f\u8cc7\u6599\u6e96\u5099\u65b9\u6cd5\uff0c\u4e0d\u662f\u8cc7\u683c\u5224\u5b9a\uff1b\u4e0d\u8981\u516c\u958b\u50b3\u9001\u5b8c\u6574 SIN \u6216\u767b\u5165\u8cc7\u6599\u3002\u500b\u4eba\u4fe1\u7528\u7d00\u9304\u7684\u7528\u9014\u898b<a href=\"https:\/\/lets-canada.com\/zh_tw\/%e3%80%90%e7%94%9f%e6%b4%bb%e6%8c%87%e5%8d%97%e3%80%91%e5%8a%a0%e6%8b%bf%e5%a4%a7%e4%bf%a1%e7%94%a8%e7%b4%80%e9%8c%84%e6%94%bb%e7%95%a5-2024%ef%bd%9c%e5%a6%82%e4%bd%95%e5%bb%ba%e7%ab%8b%e4%bf%a1\/\">\u52a0\u62ff\u5927\u4fe1\u7528\u6307\u5357<\/a>\uff0c\u5176\u4ed6\u843d\u5730\u4e8b\u9805\u53ef\u5f9e<a 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