💡 如何保護您的 RRSP、TFSA 和遺產，免於沉重稅務
很多人擔心，一旦身故，政府會拿走自己一半的積蓄。這種顧慮特別針對那些在 RRSP（退休儲蓄計劃） 中累積了可觀金額、又沒有配偶可承接的人。下面我們一起看看實際情況，以及如何透過理財規劃減少損失。
1. RRSP 的稅務陷阱
如果是單身或離婚人士，過世當年的 RRSP 餘額會被視為收入。例如，RRSP 有 60 萬，可能會被推到最高稅階，最後高達 45–50% 會被徵稅。
👉 應對方法：在生前逐步提取 RRSP，分散在多年納稅，避免一次性被抽重稅。也可將 RRSP 轉成 RRIF，定期領取。
2. TFSA 的優勢
好消息是：TFSA（免稅儲蓄帳戶） 無論生前或身故，提款一律免稅。唯一的問題是如果沒有指定受益人，可能要經過驗證程序。
👉 應對方法：務必在 TFSA 上直接指定 繼承人或受益人，可避免繁瑣程序。
3. 為子女與孫兒規劃
可在遺囑中設立 信託，讓孫兒到 18 歲（甚至更晚）才能動用資金。
也可在生前贈與，但未滿 18 歲會有所得歸屬的稅務規則。
4. 與子女聯名帳戶
與子女開設聯名帳戶可避免約 1.25% 的驗證費，但要小心：
容易引起 兄弟姊妹間爭議。
聯名帳戶資金可能受子女債務或婚姻糾紛影響。
5. 整體觀點
驗證費遠低於 RRSP 的所得稅問題，規劃重點應放在稅務。
可考慮在遺囑中安排 慈善捐贈，用抵稅額來減少 RRSP 稅。
保持遺囑與受益人指定 最新。
💬 重點：及早逐步提取 RRSP、善用 TFSA、清楚指定受益人、靈活運用信託，就能避免您辛苦積攢的財富，有一半落入政府手中。
💡 How to Protect Your RRSP, TFSA, and Estate from Big Tax Bills
Many people worry that when they pass away, the government will take away half of their life savings. This concern is especially true for those who have built up a large RRSP (Registered Retirement Savings Plan) and don’t have a spouse to roll it over to. Let’s take a closer look at what really happens, and how some smart planning can protect your family.
1. The RRSP Tax Trap
If you are single or divorced, your entire RRSP balance is considered income in the year of death. For someone with $600,000 in RRSP, that could push the estate into the highest tax bracket. The result? Almost 45–50% of it could be lost to taxes.
👉 What to do: Start withdrawing RRSP gradually while you are alive. Spreading withdrawals over many years lets you pay tax at lower rates instead of one big hit. Converting RRSP to RRIF can also help.
2. The TFSA Advantage
Good news: TFSA (Tax-Free Savings Account) money is never taxed, even on death. The only issue is probate if no beneficiary is named.
👉 What to do: Always name a successor holder or beneficiary directly on your TFSA account to skip probate.
3. Planning for Children and Grandchildren
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You can set up a trust so that grandchildren only access the money at age 18 (or later).
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You can also gift money while alive, but keep in mind attribution rules before age 18.
4. Joint Accounts with Children
Joint accounts can help avoid probate fees (about 1.25% in Ontario). But be careful:
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It may create conflict among siblings.
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Money in joint accounts may be exposed to the child’s creditors or divorce.
5. Big Picture
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Probate fees are small compared to RRSP tax. Focus on income tax planning.
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Consider charitable donations in your will; the tax credit can offset some RRSP tax.
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Keep your will and beneficiary designations up to date.
💬 Bottom line: Withdrawing RRSP gradually, maximizing TFSA, naming beneficiaries, and using trusts wisely can save your family from seeing nearly half your hard-earned savings disappear into government coffers.
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