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所在平台: Udemy |
课程主页: https://www.udemy.com/course/retirement-income-planning-in-canada/
课程评论：没有评论
**课程名称：加拿大退休投资规划** **课程概述：** 本课程旨在帮助您深入理解加拿大的退休规划概念。在职期间，通过定期向各类退休金计划进行储蓄至关重要。这些计划包括雇主提供的注册养老金计划 (Registered Pension Plans)，以及在金融机构（如银行）开设的个人账户。 作为加拿大居民，您有权享受政府提供的各项养老金福利。其中，加拿大退休金计划 (Canada Pension Plan, CPP) 是通过从您的工资中扣除一部分，并由雇主共同缴纳而形成的。您在退休后获得的养老金金额取决于您的缴费以及雇主的缴费。另一项政府福利是老年保障金 (Old Age Security, OAS)，其领取资格取决于您在加拿大居住的年限；若在加拿大居住满40年以上，您将有资格领取OAS。 本课程将详细探讨这些计划： * **政府养老金：** 深入讲解加拿大退休金计划 (CPP) 和老年保障金 (OAS)。 * **企业养老金：** 介绍固定收益计划 (Defined Benefit)、固定缴款计划 (Defined Contribution)、个人养老金计划 (Individual Pension Plans) 和延期利润分享计划 (Deferred Profit-Sharing Plans)。 * **个人储蓄：** 讨论注册退休金储蓄计划 (Registered Retirement Savings Plan, RRSP)，其优点包括税收优惠，您的投资收益可免税增长，并且每年的供款还可以抵税。对于免税储蓄账户 (Tax-Free Savings Account, TFSA)，其供款和投资收益均可免税提取。 课程将展示微小的长期储蓄能够累积成可观的财富，以支持体面的退休生活。
This course will help you understand the concepts of retirement planning in Canada. When a person is working it is essential to save some money for the retirement objective through a regular contribution into various plans. Some plans are at the employer, such as registered pension plans, while some plans or accounts are at financial institutions such as a bank. As a resident of Canada, you are entitled to certain pensions from the Government of Canada. One such pension is the Canada Pension Plan where a certain percentage is deducted from your salary and the employer also contributes into it. The pension you receive in retirement depends on your contribution and employer's contribution. The other government benefit is Old Age Security which depends on your years of residence in Canada. If you lived in Canada more than 40 years you will be entitled to the OAS payment. We discuss about these plans in detail and this course We will discuss about Government of Canada pensions such as Canada Pension Plan and Old Age Security. We discuss about company pensions such as Defined benefit, defined contribution, Individual pension Plans and Deferred Profit-Sharing Plans. Personal savings such as Registered Retirement Savings Plan are a useful way to save for a future as the profit grows tax free and you can qualify for a tax benefit in the year of contribution. Tax free savings plans are useful since the contribution and growth can be withdrawn tax-free. I show you how saving a little over a long time can add up to meet the needs of a decent lifestyle in retirement.
