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  [这个贴子最后由于伟在 2010/03/18 05:53pm 编辑]

本文摘自 [b]IG[/b] website: http://www.investorsgroup.com/english/default.shtml

Top ten tax-saving strategies
Canadians may be heavily taxed, but here are steps you can take to keep more of what you earn:

1. [b]Jump on board the RRSP tax-deferral train[/b].
Contributing to an RRSP is one great way of reducing your annual tax bill. Say your marginal tax rate is 40 per cent, $10,000 to contribute and sufficient RRSP contribution room. Putting that money into your RRSP makes it fully deductible from income, reducing your tax bill by up to $4,000 (40 per cent of $10,000). Plus there's another major tax benefit: Every dollar of investment income earned inside your RRSP is tax-deferred as long as it stays in the plan.

2. [b]Arrange your investments to be tax-efficient[/b]
If you invest both inside and outside an RRSP, your Consultant can help you create a portfolio that takes all tax implications into consideration. The key is in how different types of income are taxed.

Dividends and capital gains usually receive preferential tax treatment, while interest income does not. But this preferential tax treatment doesn't apply to earnings in an RRSP. As a result, it generally makes sense to hold interest-bearing investments inside your RRSP, where they will be fully tax deferred, and investments that produce dividends and capital gains outside your RRSP so you can benefit from the preferential tax treatment they receive*. Investors Group also has non-registered investment products specifically designed to defer tax even when drawing an income from the investment to fund lifestyle expenses.

*Note this is a general rule. Your overall investment mix, goals and time horizon will affect any decision on which assets should be held in your RRSP.

3.[b] Consider income-splitting with your spouse[/b]
You can reduce your tax bill significantly by implementing income-splitting strategies if your spouse is in a lower income bracket. Here are three strategies worth considering:

Spousal RRSP. If you are the main breadwinner in your family, you'll probably generate most of the retirement income—which may be taxed at high rates. By setting up a Spousal RRSP, you can transfer a portion of that income into your spouse's hands to be taxed at lower rates when it's withdrawn by your spouse.
Who pays, who invests. Have the higher income spouse pay all household expenses so that the lower-income spouse uses his or her earnings for investment purposes. The investment income will be taxed at the lower-income spouse's rate.
A prescribed rate loan.  Gifts of interest free loans from a higher income spouse to a lower income spouse result in investment income being attributed back to the higher income spouse.  However, if the gift or interest free loan is replaced by a loan that bears interest at the current prescribed rate, the attribution rules no longer apply and the investment income is taxed in the hands of the lower income spouse.    

4.[b] Maximize family income by employing family members.[/b]
If you run your own business, consider whether it's possible to hire your spouse or children as employees. As long as the salary paid for the services performed is reasonable, it will be taxed in their hands and you will get the deduction.

By transferring some of your taxable income to your children or a spouse, who earn little or no taxable income, you can shrink your family's overall tax bill. The attribution rules limit income-splitting with children under 18. If you give investments to a child under 18, for example, all interest and dividends on the original gift will be attributed back to you and taxed in your hands. This doesn't apply to capital gains, however, nor to income earned on income. Keep in mind that the attribution rules usually do not apply to children 18 or older.

5. [b]Retirement has its tax benefits.[/b]
If you are retired, be sure to take advantage of the following:

Splitting CPP/QPP benefits. This easy to implement strategy results in quick tax savings. If your spouse's marginal tax rate is lower than yours, consider splitting your CPP or QPP benefits between you and your spouse.
Pension Income Tax Credit. One retired spouse may be unable to claim the federal tax credit available on up to $2,000 of pension income because he or she has no RRSP or pension income. However, interest income from an annuity may qualify for this credit if you are 65 or older. If your income is too low to take advantage of the pension credit, it can be transferred to your spouse who can use it to reduce his or her taxes, or vice-versa if your spouse is also 65 or older.
Pension income splitting. Up to fifty percent of any income you receive that qualifies for the pension income tax credit can be allocated to your spouse for tax purposes. Payments from a Registered Pension Plan qualify for this income splitting at any age, while RRIF payments qualify for pension income splitting starting at age 65.

6. [b]Grow your investments faster through a Tax-Free Savings Account [/b]
Invest after-tax dollars into a Tax-Free Savings Account (TFSA) and you will not be taxed on earned interest, dividends or capital gains even when withdrawn.
Another important feature for retirees is that earnings within the account and subsequent withdrawals do not affect income-tested benefits such as Old Age Security, the Canada Child Tax Benefit or Guaranteed Income Supplement.
7.[b] Consider an RESP.[/b]
While contributions to a Registered Education Savings Plan (RESP) aren't deductible, the investment earnings accumulate on a tax-deferred basis. In addition, the federal government will pay a Canada Education Savings Grant (CES Grant)* into the RESP subject to certain conditions.

When your child starts post-secondary school, your contributions can be withdrawn by you from the RESP, tax-free. The RESP investment earnings and CES Grants will be taxed in the hands of your child.

8. [b]Consider 'freezing' your estate [/b]
Estate freezes are designed to redirect future growth in the value of an asset, plus the accompanying tax liability, to others. Selling or giving the assets to your children is the simplest type of freeze. They now own the asset and will pay tax on future increases in value. If the asset you give to your child is a capital asset, you will be faced with a disposition for tax purposes, and possibly a significant tax bill. The income attribution rules plus certain tax rules involving trusts can make this a complex issue. Advice from a qualified professional is essential when you are considering any type of estate planning, particularly estate freezes.

9. [b]Defer tax with life insurance. [/b]
Permanent life insurance products, such as Whole and Universal Life policies, can also provide investment options. Typically, the tax on earnings is deferred until there is a payout.

10.[b] Other savings opportunities [/b]
You can ask the Canada Revenue Agency to allow your employer to reduce withholdings if you have contributed to an RRSP early in the year, made large charitable donations, or incurred substantial medical expenses.

Child care expenses, alimony and taxable child support also may lower your income and reduce your withholding taxes.

[b]Get expert advice[/b]
Planning to pay less tax is an important component of any plan but many of these strategies require analysis and guidance. Talk to your Investors Group Consultant today about integrating tax planning into your plan.



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  报税季节又至,将此相关的中文内容贴出,希望对大家有所帮助:

加拿大是一个高税收的国家,但同时又有许多税务计划,合理地利用计划和策略对个人财富的增长会产生很大的影响。现在正是报税的时间,许多人也很关心各种合理的节税方式,这里把IG推荐的一些策略介绍出来供读者参考。
1)尽早利用 RRSP计划
购买RRSP的钱是可以用来减低收入的,因此也就减少了税负。比如,一个人的最高税率是36%,那么$10000的 RRSP就可以减少$3900的税。另外,这笔资金在RRSP的计划里享受 Tax-deferred的增长,也就是实现了复利增长。
2)合理利用各种投资产品的税率差别
Dividends 和capital gains 都有有利地税务对待,比如,Capital Gain的收益只有50%算收入,但利息实如则是100%都算收入的。但由于RRSP等计划的税务特点,在投入Dividends 和capital gains 这类产品的时候就需要和其他的投资账户充分结合考虑,可能的话,尽量将Dividends 和capital gains 这类产品放在普通投资账户里。
3)配偶之间尽量将收入平分 (income-split)
如果配偶之间的收入差别比较大的话,这个策略非常有效,具体做法包括:
•;配偶 RRSP:高收入者为低收入者购买RRSP,称为Spousal RRSP,仍然抵消高收入的税额,但取出的时候(3年后)按低收入者来课税。
•;分离日常花费和投资:高收入支付日常的花费等,低收入者单独开设账户进行投资。
•;使用法定利率的贷款:配偶间的现金礼物用于投资的话,其收益要返回给高收入者交税;但如果利用法定利率的贷款(prescribed Loan)则可以避开这个限制。具体操作需要专门指导。    
4)合理利用各种税务 Credits
大部分的Credit对高低收入是一样的(比如学费),因此尽量及早使用。另外,每年经常会增加一些新的Credit,比如今年的房屋装修等,要经常关注与咨询。
5)充分利用TFSA (Tax-Free Savings Account)
•;所有的收益都免税; 取出的额度可以继续使用;适合多种投资产品等。虽然每年只有五千的新额度,如何有效地利用它还是很值得考虑,也要和其他的投资计划一起运作。
•;另一个好处是不影响与收入有关的福利,比如OAS, CCTB等。

6)考虑利用 RESP
大家都知道RESP 是用于子女教育的,但这个计划除了可以吸引政府的各种资助(Grants)外,还有tax-deferred的功能,也就是说在RESP里面,投资的任何增长不需要立即纳税,可以等到以后子女上学的时候有他们来交,因此几乎相当于Tax-Free.
7)冻结资产 (freezing estate )
这个策略主要适合于房地产和自营企业等,尤其是需要向后代传递此类遗产的时候需要考虑。冻结资产以后,所有者按冻结时的价值来计算税负,以后的税负等都由继承人承担;在某些情形下对家庭财产的整体税务是很有利的,由于存在各种法规,进行此类操作的时候一定要咨询专业人士。
8)利用一些延税 (Tax-Deferred)计划
税是不可免的,但可以延,这样就可以利用复利增长增加收入。除了 RRSP RESP外,IG的Corporate Class 类产品就具有这个特点:增长不需要立即纳税,等取出的时候再考虑。这样既利用了税务利益也可以使投资计划更灵活,便于与其他计划通盘考虑如何选择投资产品。
9)利用人寿保险
终生保险(UL/WL)保单赔付有两部分,一是死亡赔付,这是完全免税的;另一部分是里面累计的投资增长 (Cash Value),这部分资金具有延税功能,还可以利用贷款来处理税务问题,而且还可以规避追债,很适合自营企业人士。这是类保险产品,请咨询相关专业人士。
10)开设自己的(holdings)公司
开设公司有诸多的税务利益,这里只提两点:一是可以灵活分配每年的收入,合理调节税负。因为自营企业的收入年度变化有时很大,这样公司就可以在收入高的年份多留一些在公司内,等收入少的年份再支出。二是,如果利用公司内的资金进行投资的话,选择象Class这类延税产品的话更有效,不过要注意,公司的投资税率笔个人的要高得多,因此也需要与会计师和理财顾问等专业人士一起讨论。
欢迎随时咨询。
于  伟----Financial Advisor , Investors Group
403-993-9668
100, 37 Richard Way SW, Calgary


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