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@Manitoba

CRA网站上载明了详细规定：

zhylj(爱谁谁)

How your TFSA contribution room is determined

As of January 2015, the annual TFSA dollar limit is no longer indexed based on inflation.

The TFSA contribution room is made up of:

- your TFSA dollar limit plus indexation;

- any unused TFSA contribution room from the previous year; and

- any withdrawals made from the TFSA in the previous year.

An individual will not accumulate TFSA contribution room for any year during which the individual is a non-resident of Canada throughout the entire year.

The TFSA dollar limit is not prorated in the year an individual:

- turns 18 years old;

- dies; or

- becomes a resident or a non-resident of Canada.

(#9595283@0)
Last Updated: 2015-8-6
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Replies, comments and Discussions:

  • 枫下家园 / 钱财税务 / 惨了，收到CRA的一封信，说我InLaw Parents的TFSA amount over contribution. 要罚款，很多钱。 -toronto_mouse(Panpan); 2015-8-6 {440} (#9594694@0)
    My parents In-Law 是2013登陆的，2014年3月报税后收到Notice of Assessment。登陆CRA网站后查了TFSA CONTRIBUTION ROOM是$31，000。所以contribute $30,000 to new TFSA account. 今天收到信说the room is only $11,000, not 31,000. 他们的网站也改了， 也找不到证据了。现在每个月每个人罚$190. 强盗啊。 有没有人给点建议啊？网上好像也有同样的complain.
    https://www.reddit.com/r/PersonalFinanceCanada/comments/2jwvai/my_cra_account_shows_an_incorrect_tfsa/
    • CRA网站上载明了详细规定： -zhylj(爱谁谁); 2015-8-6 {751} (#9595283@0)

      How your TFSA contribution room is determined

      As of January 2015, the annual TFSA dollar limit is no longer indexed based on inflation.

      The TFSA contribution room is made up of:

      - your TFSA dollar limit plus indexation;

      - any unused TFSA contribution room from the previous year; and

      - any withdrawals made from the TFSA in the previous year.

      An individual will not accumulate TFSA contribution room for any year during which the individual is a non-resident of Canada throughout the entire year.

      The TFSA dollar limit is not prorated in the year an individual:

      - turns 18 years old;

      - dies; or

      - becomes a resident or a non-resident of Canada.

      • 是啊，当时太大意。只是看了一下他们CRA账号的TFSA eligible contribution limit. 没想到那个#是不正确的。 -toronto_mouse(Panpan); 2015-8-6 (#9595436@0)
    • 罚你in-law关你何事？ -grainsw(两只小猪之神勇小白鼠); 2015-8-6 (#9595409@0)
      • They are my parents in Law.I managed for their TFSA account due to their limit on English. -toronto_mouse(Panpan); 2015-8-6 (#9595429@0) +2
        • 我觉得是你的问题，每年5500的limt你是知道的吧？他们才来了一年多，怎么会有31000多呢？当然因为他们的网站出错，你可以联系政府力争一下，看看可不可以免去罚款。 -newvest1(newvest); 2015-8-6 (#9595438@0) +2
          • 是啊，是我的责任，我会赔给他们。当时我也纳闷，觉得加拿大真是很慷慨，不管新老移民一视同仁。他们网站应该也承担责任啊，我可是他们报完税后才查的，他们应该知道这是新移民。 -toronto_mouse(Panpan); 2015-8-6 (#9595453@0)
            • 可以写信去说明情况道歉，言辞一定要恳切切切，说明你parents in law不懂英语，你代为操作，但是也不是非常清楚TFSA这东西，毕竟新事物吗，把怎么搞错的过程说明一下。再表明一下以后不会再犯，他们看在第一次犯错的情况下免掉罚款。 -szm(szm); 2015-8-6 {76} (#9595627@0) +1
              我没搞错过，但是见过好多人犯同样的错，ms很多人去信道歉说明情况，请求免掉罚款
              • 请他们看在第一次犯错的情况下免掉罚款 -szm(szm); 2015-8-6 (#9595628@0)
                • Yeah, thank you for your constructive suggestion. I think this is only thing I can do at this moment. I also contacted MP in my area to complain the error made by CRA in our online account. -toronto_mouse(Panpan); 2015-8-6 (#9595715@0)
    • is this your money? -dcbmj(dcb); 2015-8-10 {69} (#9599732@0)
      any one who can bring 60,000 cash in the beginning of a year is rich.
      • No, it is their money, saved in their whole life. $30,000 does not mean rich at all in China. -toronto_mouse(Panpan); 2015-8-10 (#9599849@0)
        • yes, in deed, some people just putting their own money, and put under their parent's TFSA. and also their 18+ years old kids' account, who are still in colleague without income. -dcbmj(dcb); 2015-8-11 {114} (#9602222@0)
          This is totally legal.
          CRA knows you are using it as "Family Tax Free Saving Account".
          Let god bless the richer!

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