While RRSPs are generally fully taxable on death, it is possible for spouses (including common-law partners) to leave RRSP assets to one another on death in a way that defers taxes.
-mantis(虾钟钱);
2021-1-26{627}(#13483615@0)
While RRSPs are generally fully taxable on death, it is possible for spouses (including common-law partners) to leave RRSP assets to one another on death in a way that defers taxes.
谢谢, 看了一下, 好像通常情况要一次性计税, 但To reduce the resulting taxes, Terry could make special RRSP/RRIF contributions, provided they are made in the year of a payment from Pat’s RRSP or within the first 60 days of the next calendar year.
-ejbeqhouse(执手平淡 品味平和);
2021-1-26(#13483634@0)
CRA写得既清楚又配有详例。只需满足二条件: 1.在协议或遗嘱里指定配偶为sole beneficiary of the RRSP, 2.只要逝者的RRSP在年底前转入配偶的RRSP/PRPP/SPP/RRIF, 配偶就能用deduction把该交的税拿回来。
-iasra(iasra);
2021-1-26(#13483842@0)+1
take a look at this
-skybreeze(天涯的风);
2021-1-26{1033}(#13483779@0)
Contributions to Registered Retirement Savings Plans (RRSPs) are deductible and any growth or income earned on the underlying investment in the RRSP or Registered Retirement Income Fund (RRIF) is not taxed until withdrawn. This article looks at some frequently asked questions to provide more clarity on what happens on the death of an RRSP or RRIF owner.
