🏦 Introduction 前言
Are you looking for a smart way to turn your investments into a reliable monthly income during retirement? 💰
Discover how the Systematic Withdrawal Plan (SWP) helps Canadian retirees enjoy steady, tax-efficient cash flow — just like receiving a monthly paycheque, but from your own portfolio!
退休後想擁有穩定的每月入息嗎？💰
了解 系統提款計劃（SWP） 如何幫助加拿大退休人士，將投資轉化為穩定又節稅的現金流，就像重新領薪水一樣自在！
Many retirees in Canada want a stable, predictable monthly income — something that feels like a “paycheque” after work stops. The Systematic Withdrawal Plan (SWP) is a smart way to make that happen.
在加拿大，許多退休人士都希望退休後仍能擁有穩定可預期的每月收入，就像在工作時領薪水一樣。**系統提款計劃（SWP, Systematic Withdrawal Plan）**就是一種能幫你把投資變成「退休俸」的好方法。
💡 What Is SWP? 什麼是 SWP？
A Systematic Withdrawal Plan lets you set up automatic withdrawals from your investment account — monthly, quarterly, or annually — for a fixed amount.
You keep your money invested in mutual funds or ETFs, while regularly withdrawing part of it as income. This way, your savings continue to grow, even as you spend.
SWP（系統提款計劃）讓你可以設定固定金額，從投資帳戶中自動提領（每月、每季或每年）。
資金仍持續投資於基金或ETF中，在享受穩定現金流的同時，也讓剩餘資產持續增值。
✅ Goal: Create a smooth, predictable retirement income stream
💡 好處: 穩定領錢，同時延長資產壽命
🧾 How It Works 實際運作方式
Step 1️⃣ Choose an Investment Account 選擇投資帳戶
You can use a non-registered account, TFSA, or even RRIF to set up an SWP.
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RRIF SWP: withdrawals are taxable
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TFSA SWP: withdrawals are tax-free
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Non-registered SWP: only part of the withdrawal (capital gains) is taxable
可在非註冊投資帳戶、TFSA 或 RRIF 中設定 SWP：
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RRIF SWP： 提款需課稅
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TFSA SWP： 提款免稅
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非註冊帳戶 SWP： 只有部分資本增值需課稅
Step 2️⃣ Decide the Withdrawal Amount 設定每月提款金額
Decide how much income you want each month — for example, $1,500. The investment company automatically sends it to your bank account.
設定每月想領的金額，例如每月$1,500。基金公司會自動將該金額匯入你的銀行帳戶。
💡 Tip: Start with a conservative withdrawal rate, e.g., 4% per year of total assets.
Step 3️⃣ Taxes & Strategy 稅務與策略
SWP withdrawals from non-registered accounts are often more tax-efficient than RRIF income because:
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Only part of each withdrawal is taxable (capital gains portion)
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The rest is considered a return of capital
使用非註冊帳戶的 SWP在稅務上更具優勢：
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每次提款只有部分資本增值需繳稅
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其餘部分屬於「資本回收」，不需課稅
💡 Tip: Combine SWP with TFSA and RRIF withdrawals to smooth out annual taxable income.
👨💼 Real-Life Example: Mr. Lee’s Retirement Plan 李先生的退休現金流實例
Mr. Lee, age 68, has:
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$400,000 in a non-registered mutual fund account
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$150,000 in TFSA
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$300,000 in RRIF
He sets up an SWP from his non-registered account to withdraw $2,000/month, while keeping his TFSA for emergencies and RRIF for later years.
68歲的李先生擁有：
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非註冊基金帳戶 $400,000
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TFSA $150,000
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RRIF $300,000
他透過非註冊帳戶設定 SWP 每月提領$2,000，同時保留TFSA作為緊急資金，RRIF則留待未來使用。
💡 Result:
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Steady monthly income
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Lower taxes (only part taxable)
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Continued investment growth
💬 “It feels just like getting paid again — except this time, I’m paying myself.”
💬 「這感覺就像重新領薪水，不同的是，現在是我自己在發薪給自己。」
⚖️ SWP vs RRIF vs TFSA 提款比較
| 項目 | SWP（非註冊） | RRIF | TFSA |
|---|---|---|---|
| 是否課稅 | 部分課稅（資本增值） | 全額課稅 | 不課稅 |
| 是否可自訂金額 | ✅ 可自訂 | ❌ 需依政府最低金額 | ✅ 可自訂 |
| 提款靈活度 | 高 | 中 | 高 |
| 成長潛力 | 高 | 中 | 高 |
🌱 Benefits of SWP 為什麼選擇 SWP？
✅ Steady income flow every month
✅ Tax-efficient compared with RRIF
✅ Keeps investments growing
✅ Full flexibility — adjust anytime
✅ 每月穩定現金流
✅ 相對RRIF節稅
✅ 資產持續增值
✅ 靈活調整，自主控制
🧭 Smart Tips 智慧建議
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Combine SWP + TFSA + RRIF for the best balance
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Review your withdrawal rate annually
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Keep 1–2 years of income in cash or short-term funds
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Consult a financial advisor for personalized tax planning
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結合 SWP、TFSA 與 RRIF，達到稅務與現金流平衡
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每年檢視提款金額
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保留1至2年現金或短期基金備用
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尋求專業理財顧問協助稅務規劃
🌟 Conclusion 結語
SWP is more than a withdrawal plan — it’s a retirement income system that gives you control, flexibility, and peace of mind.
SWP 不僅是一種提款方式，更是一套退休現金流管理系統。它讓你在安心享受退休生活的同時，繼續讓資產為你工作。
💬 “The secret to a happy retirement isn’t just saving — it’s knowing how to spend wisely.”
💬 「快樂退休的祕訣，不只是存錢，而是懂得如何聰明花錢。」
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#RetirementPlanning #SWP #PassiveIncome #FinancialFreedom #RetirementTips
#退休理財 #系統提款計劃 #長糧策略 #被動收入 #加拿大理財
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