帮人问个问题：有闲钱是买RRSP合适，还是还Mortgage合适？

ca416371 · Nov 9th, 2004, 12:38

买RRSP为先。因为RRSP的退税是很厉害的，而RRSP中可以放的投资品种很多，如果制定一个比较保守的portforlio，出现亏损的可能性next to none，完全看你怎么规划。如果有兴趣更多了解，请给我发内部话题并留下联系方式，谢谢！

ca416371 · Nov 9th, 2004, 13:51

这个问题我需要大概半个小时的时间当面解释。如果我的解释你们觉得合理，我们可以继续探讨一下如何实现的问题。能不能给我这段时间？这是给我一个机会，也是给你一个机会。谢谢。

ca416371 · Nov 9th, 2004, 18:23

如果想知道怎么样可以把mortgage尽早还完，每个月的还款额却并不增加的话，可以通过内部话题和我联系，谢谢！

ca416371 · Nov 9th, 2004, 19:19

引用:

作者: 人生易老天难老

这么好的idea，怎么不发布了共享？

因为每个不同的案例需要的方法是不一样的，需要根据情况个案个办。就象不同的人得了感冒，可能有的要打青霉素，有的最好给点其他的药一样，所以无法发布、共享，抱歉！

有兴趣的请通过内部话题同我联系，谢谢！

ca416371 · Nov 10th, 2004, 19:21

引用:

作者: Tiger04

It is not that simple.

If you do not pay Mortgage, you have to pay 5-6%的年利息 every year!
If you buy RRSP, you 少付22%的税款 one time only, plus you have to pay some 税款 later whenever you withdraw.

4 years of 5-6%的年利息 = 22% one time.

I agree with you on this: it is not that simple. However, the rest of your post, I can't agree with.

1. Money put in RRSP are going to get its returns tax defered;
2. I can call back ALL the tax later when you are taking money out of the RRSP account. What you need is just a good strategy.

ca416371 · Nov 10th, 2004, 21:08

引用:

作者: Standby

ca416371，谢谢你！我已经把她的个案情况贴出来了，你有什么高招能帮她“把mortgage尽早还完，每个月的还款额却并不增加”可以尽管讲出来了。虽然那可能不是下之四海而皆准的，但最起码让大家从这个个案中得到点启示了。

我还是需要见到本人之后才能帮助她做出决定，谢谢。不是想保留什么秘密，而是这东西比较复杂，一不留神就有可能会误导别人，那不是我的初衷，抱歉。

ca416371 · Nov 11th, 2004, 00:24

1. the gain on the house price increases (for own living house)or the money saved on rental are not tax defered, but totally tax free

As long as you still live there, it is tax free. However, when you sell it, it is another story if you don't plan beforehead. If you do not sell, what is the benefit the so-called price increases going to bring to you?

2. the one can pay off the mortgage first, and then buy the RRSP to catch the tax cut benifit, because the RRSP room can be defered forever.
Seems either your English is not good enough to catch my meaning at all, or you are just trying to mislead others. There are a lot of ways to get your RRSP money out of the RRSP account tax free. However, not every one has enough knowledge to make the necessary arrangements.

ca416371 · Nov 11th, 2004, 00:29

引用:

作者: 理财真复杂

综上, 那结论其实就是pay mortgage first, then buy RRSP later.

No.

ca416371 · Nov 11th, 2004, 16:07

Tiger04: Your calculation makes no sense to me. Let me show you something.

OK, now suppose she is getting some RRSP first, say 10k/year, that means she is making 10k/18%=55k/year, and here in Ontario, her Marginal
Tax Rate would be 31.15%, not 22%. For simpilicity, let's make it 30%. So the 1st year she is saving: 10k*30%=3k. Let's just look at this 10k.

The key benefit of RRSP is that ALL investment gains within are tax sheltered. Now let's assume she is making only 4% gains there, which is VERY SAFE to get, with a risk which is next to none. In 20 years, the 10k money she has there would be: 21.9k.

Now let's see what happens if she does not buy RRSP, instead used this money to pay back mortgage. 1st she is taxed 30%, which means she has only 7k to pay back the mortgage. With 7k @ 5%, 20 years later it would have been: 18.57k or 18.6k. She could have taken 21.9k out of her RRSP to pay off the mortgage and save herself 3.3k on this 10k! Make sense?

ca416371 · Nov 11th, 2004, 18:43

Tiger04: OK, you are using my numbers, that is cool. We are finding something in common at least here.

Remember, in the RRSP case, I am using a 4% annual return, which is VERY conservertive, and which is lower than the mortgage interest rate, 5%. The fact for nowadays, however, is that floating mortgage interest rate should be arround 4%, and the return in RRSP if you hold for 20 years as AT LEAST 6%. The reason I chose the numbers reversed as 5% vs. 4% is just to show you that even in such a situation, you can get more returns from RRSP than returning mortgage fast. Though I chose it, it is not a fair case. Make sense?

As of how to get money out of RRSP is a secret I don't want to discuss here. You can do some research and try to figure it out yourself. Good luck.

ca416371 · Nov 11th, 2004, 21:10

countryside:

You may have some misunderstanding on what the topic is here. The topic is if we should pay-off the mortgage in a faster rate while ignoring other financial tools like using RRSP to reduce tax, or we should have a better balance between paying off mortgage in a more reasonable time frame while enjoy getting back some of the tax payed to the government.

You mentioned that 85% dealers of RRSP don't buy RRSP. May I know where is this data coming from?

Nov 9th, 2004, 12:38	#1
ca416371 Member 注册日期: Jul 2004 帖子: 59	买RRSP为先。因为RRSP的退税是很厉害的，而RRSP中可以放的投资品种很多，如果制定一个比较保守的portforlio，出现亏损的可能性next to none，完全看你怎么规划。如果有兴趣更多了解，请给我发内部话题并留下联系方式，谢谢！
ca416371 Member 注册日期: Jul 2004 帖子: 59

Nov 9th, 2004, 13:51	#2
ca416371 Member 注册日期: Jul 2004 帖子: 59 声望: 0	这个问题我需要大概半个小时的时间当面解释。如果我的解释你们觉得合理，我们可以继续探讨一下如何实现的问题。能不能给我这段时间？这是给我一个机会，也是给你一个机会。谢谢。
ca416371 Member 注册日期: Jul 2004 帖子: 59 声望: 0

Nov 9th, 2004, 18:23	#3
ca416371 Member 注册日期: Jul 2004 帖子: 59 声望: 0	如果想知道怎么样可以把mortgage尽早还完，每个月的还款额却并不增加的话，可以通过内部话题和我联系，谢谢！
ca416371 Member 注册日期: Jul 2004 帖子: 59 声望: 0

Nov 11th, 2004, 00:24	#7
ca416371 Member 注册日期: Jul 2004 帖子: 59 声望: 0	1. the gain on the house price increases (for own living house)or the money saved on rental are not tax defered, but totally tax free As long as you still live there, it is tax free. However, when you sell it, it is another story if you don't plan beforehead. If you do not sell, what is the benefit the so-called price increases going to bring to you? 2. the one can pay off the mortgage first, and then buy the RRSP to catch the tax cut benifit, because the RRSP room can be defered forever. Seems either your English is not good enough to catch my meaning at all, or you are just trying to mislead others. There are a lot of ways to get your RRSP money out of the RRSP account tax free. However, not every one has enough knowledge to make the necessary arrangements.
ca416371 Member 注册日期: Jul 2004 帖子: 59 声望: 0

Nov 11th, 2004, 16:07	#9
ca416371 Member 注册日期: Jul 2004 帖子: 59 声望: 0	Tiger04: Your calculation makes no sense to me. Let me show you something. OK, now suppose she is getting some RRSP first, say 10k/year, that means she is making 10k/18%=55k/year, and here in Ontario, her Marginal Tax Rate would be 31.15%, not 22%. For simpilicity, let's make it 30%. So the 1st year she is saving: 10k*30%=3k. Let's just look at this 10k. The key benefit of RRSP is that ALL investment gains within are tax sheltered. Now let's assume she is making only 4% gains there, which is VERY SAFE to get, with a risk which is next to none. In 20 years, the 10k money she has there would be: 21.9k. Now let's see what happens if she does not buy RRSP, instead used this money to pay back mortgage. 1st she is taxed 30%, which means she has only 7k to pay back the mortgage. With 7k @ 5%, 20 years later it would have been: 18.57k or 18.6k. She could have taken 21.9k out of her RRSP to pay off the mortgage and save herself 3.3k on this 10k! Make sense?
ca416371 Member 注册日期: Jul 2004 帖子: 59 声望: 0

Nov 11th, 2004, 18:43	#10
ca416371 Member 注册日期: Jul 2004 帖子: 59 声望: 0	Tiger04: OK, you are using my numbers, that is cool. We are finding something in common at least here. Remember, in the RRSP case, I am using a 4% annual return, which is VERY conservertive, and which is lower than the mortgage interest rate, 5%. The fact for nowadays, however, is that floating mortgage interest rate should be arround 4%, and the return in RRSP if you hold for 20 years as AT LEAST 6%. The reason I chose the numbers reversed as 5% vs. 4% is just to show you that even in such a situation, you can get more returns from RRSP than returning mortgage fast. Though I chose it, it is not a fair case. Make sense? As of how to get money out of RRSP is a secret I don't want to discuss here. You can do some research and try to figure it out yourself. Good luck.
ca416371 Member 注册日期: Jul 2004 帖子: 59 声望: 0

Nov 11th, 2004, 21:10	#11
ca416371 Member 注册日期: Jul 2004 帖子: 59 声望: 0	countryside: You may have some misunderstanding on what the topic is here. The topic is if we should pay-off the mortgage in a faster rate while ignoring other financial tools like using RRSP to reduce tax, or we should have a better balance between paying off mortgage in a more reasonable time frame while enjoy getting back some of the tax payed to the government. You mentioned that 85% dealers of RRSP don't buy RRSP. May I know where is this data coming from?
ca416371 Member 注册日期: Jul 2004 帖子: 59 声望: 0