请问什么是pension adjustment？

陈海峰

pension adjustment是什么啊，这个占用了买rrsp的额度。是咋回事？

陈海峰

这个PA占用了rrsp额度，这个年度不能免税，而且也不知道在哪里，不像rrsp那样看得到，必要时候还可以取出来。

shuishangtian

What is a Pension Adjustment?
7 N' @9 l% M* g8 u1 f, S
" A. l! Q3 A  ?0 J  ZA pension adjustment or PA is an amount that reduces the RRSP deduction limit of persons who are in a company-sponsored registered pension plans. This is an attempt to equalize the various tax deferred savings programs in Canada and ensure that persons who participate in a company pension plan do not have the same level of RRSP contributions as those who do not.

Thus, persons who are not in a pension plan do not have a pension adjustment. Those who participate in a registered pension plan or a deferred profit sharing plan have a pension adjustment reported for each year of participation on their T4 slip (Statement of Remuneration Paid). The pension adjustment reported in a calendar year reduces allowable contributions to an RRSP for the next calendar year.
6 _- V5 N7 L0 S4 v% N' `7 ~
/ ~1 f8 f+ Z5 OThe PA is the amount contributed by an employee and/or employer to an employee account in a defined contribution pension plan or deferred profit sharing plan, or the deemed value of pension benefits accrued during the year in a defined benefit pension plan.
2 M* h( z& _- F  F' j
; W( g2 [* e) _9 F' t6 UIf a person is a member of a defined benefit pension plan, the PA is equal to nine times the benefit accrued during the year less $600. For example, a person who earned $40,000 would be able to contribute $7,200 or18% of earnings to the RRSP in the following year if there were no company pension. However, if the person earned a pension of, say, $500 last year in a company pension plan, then there would be a PA of $3,900 (9 times $500 less $600). The PA reduces the maximum allowable RRSP contribution to $3,300 ($7,200 less $3,900).
1 O* F5 ]8 M0 [5 c

陈海峰

shuishangtian 发表于 2015-2-21 00:14
& F7 q/ y% d# ]+ e' VWhat is a Pension Adjustment?
1 K3 I, E, L8 I# h2 d" {8 O3 s
A pension adjustment or PA is an amount that reduces the RRSP deduc ...

  x3 n" A6 h+ x按这个说法，公司给买了500快的PA，却占用了3900块的rrsp额度（假设3900快的退税率30%就是1300快）那不是亏大了啊？

支点教育

lmyczh

500不是你contribute 了500， 是 you will receive $500 every year because of your this year's service when you retired.

陈海峰

lmyczh 发表于 2015-2-21 08:30
6 s5 J  n- N- ^3 T9 X( Z4 [. l500不是你contribute 了500， 是 you will receive $500 every year because of your this year's service  ...

意思这个钱现在是归政府的，自己看不见摸不着，要等67岁退休后才能取出来？
4 n: F) h- ?& ^; X那感觉还是比不上rrsp啊，即能减税，有需要的时候还能拿出来应急用

marie

在Ontario, 公司给买了lock in RRSP, 这个占用了买rrsp的额度,是pension adjustment

watercress

陈海峰 发表于 2015-2-21 09:22
+ U; s, h2 M* [0 J1 v- M) a/ \5 c意思这个钱现在是归政府的，自己看不见摸不着，要等67岁退休后才能取出来？
那感觉还是比不上rrsp啊，即 ...

问题是政府如果不给你存，你每年拿得出来那么多钱存rrsp吗? 今年可能可以，以后这二三十年呢？公务员有比较多的pa，同时他们工资并没多高，可支配收入并不多。私人部门没有pa, 他们的养老方案更多是雇主match rrsp或自缴rrsp。pension并不是取不出来，可以申请转rrsp，如果你不在有pension的地方继续干了的话
# t) S5 I1 W0 g8 t, e, J6 \. ]6 ]

陈海峰

watercress 发表于 2015-2-21 10:13
, f$ o4 X' |* O; i. J7 r问题是政府如果不给你存，你每年拿得出来那么多钱存rrsp吗? 今年可能可以，以后这二三十年呢？公务员有比 ...

+ C. S- S) I1 z9 B! f你的意思是PA比rrsp强？

watercress

没有什么谁比谁强的意思。而且要比是比最终你withdraw时的amount。现在从何比起？ 大多数defined benefit pension到头来根据你的工作年限每月固定一笔pension income 一般和你每年缴多少没直接联系。如果你自认投资高手钱放在自己账户里管理的更好，有更高回报率。那么你确实不该在公共部门待着，不如干脆leverage investing好了，你还在乎那点rrsp作甚。如果你天天惦记着把钱从退休计划里取出来，无论是pension还是rrsp，首先你能不扣税拿出来就那么俩途径，更何况你还要以后定期还清。如果你只是在讨论理论上能否取出来自用，那我也已经说过了，一定条件下pension可以转rrsp。对于离退休还远就在琢磨取款的理论讨论本身就很矫情。人家design时就不是让你能轻易取出来用的。句号。

陈海峰

watercress 发表于 2015-2-21 10:51
: A. S; x. H/ f8 n8 j, @9 y/ V没有什么谁比谁强的意思。而且要比是比最终你withdraw时的amount。现在从何比起？ 大多数defined benefit p ...

' `8 p# ~( X/ F2 J; }) J  M6 Q谢谢