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{"id":2989,"date":"2017-08-03T13:58:08","date_gmt":"2017-08-03T20:58:08","guid":{"rendered":"http:\/\/todaysmoney.ca\/news\/?p=2989"},"modified":"2017-08-03T13:58:34","modified_gmt":"2017-08-03T20:58:34","slug":"%eb%b9%84%ea%b3%bc%ec%84%b8%ec%a0%80%ec%b6%95-tax-free-savings-account","status":"publish","type":"post","link":"https:\/\/todaysmoney.ca\/main\/2017\/08\/03\/%eb%b9%84%ea%b3%bc%ec%84%b8%ec%a0%80%ec%b6%95-tax-free-savings-account\/","title":{"rendered":"\ube44\uacfc\uc138\uc800\ucd95 (TAX FREE SAVINGS ACCOUNT)"},"content":{"rendered":"
\n
Tax Free Savings Account (TFSA)\ub29418\uc138 \uc774\uc0c1\uc758 \uce90\ub098\ub2e4 \uac70\uc8fc\uc790\ub77c\uba74 \ub204\uad6c\ub4e0\uc9c0 \ub9cc\ub4e4\uc218 \uc788\ub2e4. TFSA\ub294 2009\ub144\ubd80\ud130 \uc2e4\ud589\ub41c \ube44\uacfc\uc138 \uc800\ucd95\uacc4\uc88c\uc774\ub2e4. TFSA\uc5d0 \uc785\uae08\ud55c \uae08\uc561\uc740 \uc18c\ub4dd\uacf5\uc81c\uac00 \uc548\ub418\uba70, TFSA\ub0b4\uc5d0\uc11c \ubc1c\uc0dd\ud55c \uc18c\ub4dd \ub610\ud55c \uacfc\uc138 \ub300\uc0c1\uc774 \uc544\ub2c8\ub2e4. \ubc18\ub300\ub85c TFSA\uc5d0\uc11c \ubc1c\uc0dd\ud55c \ud22c\uc790\uc190\uc2e4 \uc5ed\uc2dc \uacf5\uc81c\ub97c \uc4f8\uc218 \uc5c6\ub2e4. \ub610\ud55c TFSA\ub97c \uc720\uc9c0\ud558\uae30 \uc704\ud574 \uc9c0\ucd9c\ub41c \ube44\uc6a9\uc5d0 \ub300\ud55c \uc138\ubb34\uacf5\uc81c \ub610\ud55c \uc5c6\ub2e4. \uadf8\ub9ac\uace0 RRSP\uc640\ub294 \ub2ec\ub9ac \uc138\ud6c4 \uc18c\ub4dd\uc744 \uc0ac\uc6a9\ud558\uc5ec \uc800\ucd95\ud558\uae30 \ub54c\ubb38\uc5d0 RRSP\ubcf4\ub2e4 \uc774\ud6c4\uc758 \uc0ac\uc6a9\uc774 \uc6a9\uc774\ud558\ub2e4. <\/span><\/span><\/div>\n<\/div>\n
\n
\u00a0<\/span><\/div>\n<\/div>\n
\n
\u25b2TFSA \ud2b9\uc9d5<\/span><\/span><\/div>\n<\/div>\n
\n
TFSA \ub0b4\uc5d0\uc11c \ubc1c\uc0dd\ud558\ub294 \ubaa8\ub4e0 \uc18c\ub4dd\uc740 \ube44\uacfc\uc138\uc774\ub2e4.<\/span><\/span><\/div>\n<\/div>\n
\n
18\uc138 \uc774\uc0c1 \uce90\ub098\ub2e4 \uac70\uc8fc\uc790\ub294 \ubcf8\uc778\uc5d0\uac8c \uc8fc\uc5b4\uc9c4 \ud55c\ub3c4\ub9cc\ud07c \ub0a9\uc77c \ud560 \uc218 \uc788\ub2e4. <\/span><\/span><\/div>\n<\/div>\n
\n
\"\uc774\uc815<\/span><\/span><\/div>\n<\/div>\n
\n
\u00a0<\/span><\/div>\n<\/div>\n
\n
\uc0ac\uc6a9\ud558\uc9c0 \uc54a\uc740 \ud55c\ub3c4\ub294 RRSP \ucc98\ub7fc \uc774\uc6d4\uac00\ub2a5\ud558\ub2e4.<\/span><\/span><\/div>\n<\/div>\n
\n
RRSP\uc640 \ub9c8\ucc2c\uac00\uc9c0\ub85c \ubba4\ucd94\uc5bc \ud380\ub4dc, \uc815\uae30\uc608\uae08, \uc8fc\uc2dd, \ucc44\uad8c \ub4f1\uc5d0 \ud22c\uc790\ud560 \uc218 \uc788\ub2e4. RRSP \ucc98\ub7fc \uc18c\ub4dd\uacf5\uc81c\ub97c \ubc1b\uc744 \uc218\ub294 \uc5c6\ub2e4. <\/span><\/span><\/div>\n<\/div>\n
\n
RRSP\uc640 \ub2e4\ub974\uac8c \ub9c8\uac10\uae30\ud55c\uc774 \uc788\uc9c0 \uc54a\ub2e4.<\/span><\/span><\/div>\n<\/div>\n
\n
TFSA \ud1b5\ud574\uc11c \ubc1c\uc0dd\ud55c \uc591\ub3c4 \uc190\uc2e4 \ud639\uc740 \ubc30\ub2f9\uc18c\ub4dd\uc740 \uc18c\ub4dd\uacf5\uc81c \ubc0f \ubc30\ub2f9 \uc138\uc561\uacf5\uc81c\ub97c \ubc1b\uc744\uc218 \uc5c6\ub2e4. \uc778\ucd9c\uc2dc\uc5d0\ub3c4 \uc18c\ub4dd\uc73c\ub85c \ubcf4\uace0\ud560 \ud544\uc694\uac00 \uc5c6\ub2e4. \ub530\ub77c\uc11c \uac01\uc885 BENEFIT \uacc4\uc0b0\uc2dc\uc5d0 \uc601\ud5a5\uc744 \uc8fc\uc9c0 \uc54a\uac8c\ub41c\ub2e4. TFSA\ud22c\uc790\ub97c \uc704\ud574 \ube4c\ub9b0 \uc790\uae08\uc758 \uc774\uc790\ub294 \uc18c\ub4dd \uacf5\uc81c\uac00 \ubd88\uac00\ub2a5\ud558\ub2e4. <\/span><\/span><\/div>\n<\/div>\n
\n
\u00a0<\/span><\/div>\n<\/div>\n
\n
\u25b2\uac70\uc8fc\uc790\uc600\ub358 \ub0a9\uc138\uc758\ubb34\uc790\uac00 \ube44\uac70\uc8fc\uc790\uac00 \ub418\ub294 \uacbd\uc6b0<\/span><\/span><\/div>\n<\/div>\n
\n
\uac70\uc8fc\uc790\uc778 \ub3d9\uc548\ub9cc TFSA \uc5d0 \uc800\ucd95\uc744 \ud560 \uc218 \uc788\uace0, \ube44\uac70\uc8fc\uc790\uac00 \uc800\ucd95\uc744 \ud558\ub294 \uacbd\uc6b0 \ud55c\ub2ec\uc5d0 1% PENALTY \uac00 \ubd80\uacfc\ub41c\ub2e4. \ub530\ub77c\uc11c \ucc28\ud6c4\uc5d0 \uce90\ub098\ub2e4\ub85c \ub2e4\uc2dc \ub3cc\uc544\uc62c \uacc4\ud68d\uc744 \uac16\uace0 \ube44\uac70\uc8fc\uc790\uac00 \ub418\ub294 \uacbd\uc6b0\uc5d0\ub294 \uac70\uc8fc\uc790\uc778 \uc2dc\uc810\uc5d0\uc11c \uc800\ucd95\uc744 \uc644\ub8cc\ud558\ub3c4\ub85d \ud574\uc57c\ud55c\ub2e4. <\/span><\/span><\/div>\n<\/div>\n
\n
\ub2e8, \ube44\uac70\uc8fc\uc790\uac00 \ub41c \uc774\ud6c4 \ud0c0\uae08\uc735\uae30\uad00\uc73c\ub85c \uc9c1\uc811 \uc774\uccb4\ud55c \uacbd\uc6b0\ub294 PENALTY \uac00 \ubd80\uacfc\ub418\uc9c0 \uc54a\ub294\ub2e4.<\/span><\/span><\/div>\n<\/div>\n
\n
\u00a0<\/span><\/div>\n<\/div>\n
\n
\ube44\uac70\uc8fc\uc790\uac00 \ub41c \uc774\ud6c4\uc5d0 TFSA \uc5d0 \ubc1c\uc0dd\ud55c \uc18c\ub4dd\ub3c4 \ube44\uacfc\uc138 \ud61c\ud0dd\uc744 \ubc1b\uc744 \uc218 \uc788\ub2e4.<\/span><\/span><\/div>\n<\/div>\n
\n
\uc774\ubbfc\uc2dc, \uc5ed\uc774\ubbfc\uc2dc TFSA \uc5d0 \ub300\ud574 \uacfc\uc138\ub418\uc9c0 \uc54a\ub294\ub2e4. <\/span><\/span><\/div>\n<\/div>\n
\n
\uc778\ucd9c\uc2dc \ube44\uac70\uc8fc\uc790\ub4e4\uc5d0\uac8c \ud574\ub2f9\ud558\ub294 \uc6d0\ucc9c\uc9d5\uc218\uc138\ub97c \ub5bc\uc9c0 \uc54a\ub294\ub2e4. \uc778\ucd9c\uc744 \ud558\uac8c \ub41c \uacbd\uc6b0, \ub2e4\uc74c\ud574 1\uc6d4 1\uc77c\uc774 \ub41c \uc2dc\uc810\uc5d0\uc11c \uac70\uc8fc\uc790\uc640 \ub9c8\ucc2c\uac00\uc9c0\ub85c \uc800\ucd95\ud55c\ub3c4\uac00 \uc99d\uac00\ub41c\ub2e4. (\ub2e8, \ube44\uac70\uc8fc\uc790 \uc2e0\ubd84\uc73c\ub85c \uc774 \ud55c\ub3c4\ub97c \ub2e4\uc2dc \uc0ac\uc6a9\ud560 \uc218\ub294 \uc5c6\ub2e4.)<\/span><\/span><\/div>\n<\/div>\n
\n
TFSA \uc5d0 \ub300\ud574 \uce90\ub098\ub2e4\uc5d0\uc11c\ub294 \uacfc\uc138\ub418\uc9c0 \uc54a\uc9c0\ub9cc, \uc5ed\uc774\ubbfc\uc758 \uacbd\uc6b0 \ud574\ub2f9\uad6d\uac00\uc5d0\uc11c\ub294 \uc18c\ub4dd\ubcf4\uace0\ub97c \ud558\uc5ec\uc57c \ud55c\ub2e4.<\/span><\/span><\/div>\n<\/div>\n
\n
\u00a0<\/span><\/div>\n<\/div>\n
\n
\u25b2\ub0a9\uc785 \ud55c\ub3c4\ub97c \ucd08\uacfc\ud558\uc600\uc744 \uacbd\uc6b0<\/span><\/span><\/div>\n<\/div>\n
\n
TFSA\ub97c \ud1b5\ud574 \uc800\ucd95\ud560 \uc218 \uc788\ub294 \ud55c\ub3c4\ub294 \ub9e4\ub144 \uc815\ud574\uc838 \uc788\ub2e4. \ud55c\ud574\uc5d0 \ub0a9\uc785\ud558\ub294 \ubaa8\ub4e0 \uae08\uc561\uc740 \uadf8\ud574\uc758 TFSA\ub0a9\uc785\uc561\uc774 \ub41c\ub2e4. \uc5f0\uc911\uc5d0 \uc778\ucd9c\uc744 \ud588\ub2e4\uac00 \ub2e4\uc2dc \uc7ac\ub0a9\uc785\ud588\ub2e4 \ud558\ub354\ub77c\ub3c4 \ub2f9\ud574\uc5d0\ub294 \uc778\ucd9c\ud55c \uae08\uc561\ub9cc\ud07c \ud55c\ub3c4\uac00 \ub298\uc5b4\ub098\uc9c0 \uc54a\ub294\ub2e4.\u00a0 (Tax Tip: TFSA\ub294 \ub418\ub3c4\ub85d \uc5f0\ub9d0\uc5d0 \uc778\ucd9c\ud558\ub294\uac8c \uc88b\ub2e4. \ub0a9\uc785\ud55c\ub3c4\uac00 \uc778\ucd9c\ud55c \ub2e4\uc74c\ud574 \ub2e4\uc2dc \ub298\uc5b4\ub09c\ub2e4.)<\/span><\/span><\/div>\n<\/div>\n
\n
\ud55c\ud574\uc758 \uc5b4\ub290 \ud55c \uc2dc\uc810\uc774\ub77c\ub3c4 \ud55c\ub3c4\uc561\uc744 \ucd08\uacfc\ud574\uc11c \ub0a9\uc785\ud588\ub2e4\uba74 \ucd08\uacfc\ub41c \uae08\uc561\uc5d0 \ub300\ud574\uc11c \uc6d4 1%\uc758 \uc138\uae08\uc774 \ubd80\uacfc\ub41c\ub2e4. <\/span><\/span><\/div>\n<\/div>\n
\n
\u00a0<\/span><\/div>\n<\/div>\n
\n
\uc608) 30\uc138\uc758 \uce90\ub098\ub2e4 \uac70\uc8fc\uc790\uc778 \ucf00\ube48\uc740 2009\ub144 2\uc6d4 6\uc77c\uc5d0 TFSA\ub97c \ucc98\uc74c \uac1c\uc124\ud558\uace0 \uadf8 \uc774\ud6c4\ub85c \ub9e4\ub144 \ub0a9\uc785 \ud55c\ub3c4\uc561\uae4c\uc9c0 \uc800\ucd95\ud558\uc600\ub2e4. 2016\ub144 \ucd08\uc5d0, TFSA\uc758 \ub0a9\uc785 \ud55c\ub3c4\uc561\uc740 $5,500 \uc774\uc600\ub2e4.\u00a0 2016\ub144\uc5d0 \ucf00\ube48\uc740 \ub2e4\uc74c\uacfc \uac19\uc774 TFSA\uc5d0 \uc800\uae08\uc744 \ud588\ub2e4.<\/span><\/span><\/div>\n<\/div>\n
\n
2016\ub144 4\uc6d4 5\uc77c\uc5d0 \ud55c\ub3c4\uc561\uc774 $5,500\uc744 TFSA\uc5d0 \uc800\ucd95\uc744 \ud588\ub2e4.\u00a0 <\/span><\/span><\/div>\n<\/div>\n
\n
2016\ub144 6\uc6d4 10\uc77c\uc5d0 \ucd94\uac00\ub85c$6,000\uc744 \uc800\ucd95\ud588\ub2e4.<\/span><\/span><\/div>\n<\/div>\n
\n
2016\ub144 8\uc6d4 25\uc77c\uc5d0 \ud55c\ub3c4\ub97c \ucd08\uacfc \ud55c\uac83\uc744 \uae68\ub2eb\uace0, \ucd08\uacfc\uae08 $6,000\uc744 \uc778\ucd9c\ud588\ub2e4.<\/span><\/span><\/div>\n<\/div>\n
\n
\u00a0<\/span><\/div>\n<\/div>\n
\n
2016\ub144 6\uc6d4\ubd80\ud130 8\uc6d4 \uc0ac\uc774\uc5d0 \ucd08\uacfc\ub41c TFSA\ud55c\ub3c4\uc561\uc774 $6,000 \uc774\uba70, \ucd08\uacfc\ub41c \uc800\ucd95\uc561\uc758 \ub300\ud574 \ucf00\ube48\uc740\u00a0 $180 \uc138\uae08\uc744 \ubd80\ub2f4\ub41c\ub2e4. ($6,000 X 1% X 3 \uac1c\uc6d4) <\/span><\/span><\/div>\n<\/div>\n
\n
\u00a0<\/span><\/div>\n<\/div>\n
\n
\"facebook_todays<\/span><\/a><\/div>\n<\/div>\n
<\/div>\n","protected":false},"excerpt":{"rendered":"

Tax Free Savings Account (TFSA)\ub29418\uc138 \uc774\uc0c1\uc758 \uce90\ub098\ub2e4 \uac70\uc8fc\uc790\ub77c\uba74 \ub204\uad6c\ub4e0\uc9c0 \ub9cc\ub4e4\uc218 \uc788\ub2e4. TFSA\ub294 2009\ub144\ubd80\ud130 \uc2e4\ud589\ub41c \ube44\uacfc\uc138 \uc800\ucd95\uacc4\uc88c\uc774\ub2e4. TFSA\uc5d0 \uc785\uae08\ud55c \uae08\uc561\uc740 \uc18c\ub4dd\uacf5\uc81c\uac00 \uc548\ub418\uba70, TFSA\ub0b4\uc5d0\uc11c \ubc1c\uc0dd\ud55c \uc18c\ub4dd \ub610\ud55c \uacfc\uc138 \ub300\uc0c1\uc774 \uc544\ub2c8\ub2e4. \ubc18\ub300\ub85c TFSA\uc5d0\uc11c \ubc1c\uc0dd\ud55c \ud22c\uc790\uc190\uc2e4 \uc5ed\uc2dc \uacf5\uc81c\ub97c \uc4f8\uc218 \uc5c6\ub2e4. \ub610\ud55c TFSA\ub97c \uc720\uc9c0\ud558\uae30 \uc704\ud574 \uc9c0\ucd9c\ub41c \ube44\uc6a9\uc5d0 \ub300\ud55c \uc138\ubb34\uacf5\uc81c \ub610\ud55c \uc5c6\ub2e4. \uadf8\ub9ac\uace0 RRSP\uc640\ub294 \ub2ec\ub9ac \uc138\ud6c4 \uc18c\ub4dd\uc744 \uc0ac\uc6a9\ud558\uc5ec \uc800\ucd95\ud558\uae30 \ub54c\ubb38\uc5d0 RRSP\ubcf4\ub2e4 … Read more<\/a><\/p>\n","protected":false},"author":9,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":""},"categories":[26,7],"tags":[],"class_list":["post-2989","post","type-post","status-publish","format-standard","hentry","category-accnt-column","category-column"],"_links":{"self":[{"href":"https:\/\/todaysmoney.ca\/main\/wp-json\/wp\/v2\/posts\/2989","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/todaysmoney.ca\/main\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/todaysmoney.ca\/main\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/todaysmoney.ca\/main\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/todaysmoney.ca\/main\/wp-json\/wp\/v2\/comments?post=2989"}],"version-history":[{"count":1,"href":"https:\/\/todaysmoney.ca\/main\/wp-json\/wp\/v2\/posts\/2989\/revisions"}],"predecessor-version":[{"id":2991,"href":"https:\/\/todaysmoney.ca\/main\/wp-json\/wp\/v2\/posts\/2989\/revisions\/2991"}],"wp:attachment":[{"href":"https:\/\/todaysmoney.ca\/main\/wp-json\/wp\/v2\/media?parent=2989"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/todaysmoney.ca\/main\/wp-json\/wp\/v2\/categories?post=2989"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/todaysmoney.ca\/main\/wp-json\/wp\/v2\/tags?post=2989"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}