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  • 最优利率和cashback可以申请特批，好信用好收入offer更好。请点链接扫码加微信咨询，Scotiabank -- Nick Zhang 6478812600。

@Manitoba

谁知道Tangerine的RIF储蓄账户是怎么回事？利率不低，活期有1.25，但是实在有点看不懂，谁能给解释一下？

akoei(停车**枫林晚)
Get a great interest rate on your retirement savings. When you're ready for retirement income, a Tangerine RIF Savings Account allows you to draw the income you need while enjoying all the benefits of our Tangerine Savings Account.

The interest earned in your RIF is tax-sheltered, but you’ll have to pay income taxes on the mandatory minimum RIF Payment Amounts you’ll receive every year. In addition, you can make withdrawals on top of your annual RIF Payment Amounts, which will be subject to government withholding taxes in addition to income taxes. And of course Tangerine never charges fees or requires minimum balances while you're saving with us.
(#10090274@0)
Last Updated: 2016-5-7
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Replies, comments and Discussions:

  • 枫下家园 / 钱财税务 / 谁知道Tangerine的RIF储蓄账户是怎么回事？利率不低，活期有1.25，但是实在有点看不懂，谁能给解释一下？ -akoei(停车**枫林晚); 2016-5-7 {659} (#10090274@0)
    Get a great interest rate on your retirement savings. When you're ready for retirement income, a Tangerine RIF Savings Account allows you to draw the income you need while enjoying all the benefits of our Tangerine Savings Account.

    The interest earned in your RIF is tax-sheltered, but you’ll have to pay income taxes on the mandatory minimum RIF Payment Amounts you’ll receive every year. In addition, you can make withdrawals on top of your annual RIF Payment Amounts, which will be subject to government withholding taxes in addition to income taxes. And of course Tangerine never charges fees or requires minimum balances while you're saving with us.
    • 我的理解，每年至少从RIF账户中取一定的钱，取出的钱作为收入交税。RIF账户里的钱有利息1.25% -tzm_oasis(绿洲); 2016-5-7 (#10090422@0) +1
    • 你已经退休了？ -jameschen6(梦想农庄-神爱世人); 2016-5-7 (#10090623@0)
      • 是为我父亲问：） -akoei(停车**枫林晚); 2016-5-8 (#10090854@0)
        • 你父亲有rrsp? -jameschen6(梦想农庄-神爱世人); 2016-5-9 (#10091282@0)
          • possible -dcbmj(dcb); 2016-5-9 (#10091663@0)
          • 没有，这个和rrsp有关系吗？就是觉得这个帐号利息高，想往里存钱而已。看来不能用 -akoei(停车**枫林晚); 2016-5-9 (#10092485@0)
            • 不但有关系，而且是直系亲属关系。when you get 69(?) year old, a). your rrsp has to be converted to RRIF. b). No more contributions are allowed from that age. c). mandatory minimum withdrawal is required. -jameschen6(梦想农庄-神爱世人); 2016-5-9 {724} (#10092639@0)
              What is a RRIF?
              You can think of a Registered Retirement Income Fund (RRIF) as an extension of your Registered Retirement Savings Plan (RRSP). Your RRSP is used to save for your retirement while a RRIF is used to withdraw income during your retirement.

              RRIFs are similar to RRSPs in several respects. Each allows for tax–deferred growth, offers several investment options and are government regulated.

              A major difference between an RRSP and a RRIF is that with an RRSP, you can make annual contributions as long as you have earned income and contribution room available. Withdrawals are optional and will be taxed. With a RRIF, contributions are not allowed and you must make minimum mandatory withdrawals each year.
    • 你69岁了？ -3854688(小鹏); 2016-5-8 (#10090709@0)
    • but I don't understand Tangerine other accounts only 0.8% -dcbmj(dcb); 2016-5-10 (#10093606@0)

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