加拿大退休收入秘笈：系統提款計劃（SWP）的靈活運用Systematic Withdrawal Plans (SWP): A Smart Way to Create Retirement Income in Canada

加拿大退休收入秘笈：系統提款計劃（SWP）的靈活運用

最近我看到一個關於加拿大退休理財的影片，裡面提到 系統提款計劃（SWP, Systematic Withdrawal Plan），讓我覺得非常值得分享。因為對很多退休人士來說，最關心的就是「如何把積蓄轉換成穩定的每月收入」。

那麼，SWP 是什麼呢？簡單來說，就是從你的投資（例如共同基金、分離基金或投資帳戶）中，設定固定的提款金額和頻率（例如每月、每季），由基金公司自動賣出相應單位，將現金打到你的帳戶。剩下的投資繼續增長，相當於自己打造一份「退休俸」。

✅ 退休好處:

• 提供 穩定現金流（就像私人年金）。

• 節稅優勢：提款可能來自資本增值或資本回收，比一般收入稅率更低。

• 高度靈活：隨時可調整、增加或暫停提款。

• 幫助你更安心，因為有計劃性的收入來源。

SWP 在加拿大 各省都適用，差別只在於 不同省份的稅率，會影響淨收入多寡。如果能與 CPP、OAS、RRIF、TFSA 等其他退休收入來源搭配，SWP 將成為一個既靈活又節稅的重要工具。

💡 我的心得：SWP 就像為自己打造一份「私人退休俸」，只要規劃得宜，就能讓退休生活更安心、更穩定。

Hashtags:
#退休理財 #加拿大理財 #被動收入 #退休秘技 #稅務規劃 #長糧策略

 Systematic Withdrawal Plans (SWP): A Smart Way to Create Retirement Income in Canada

Recently, I came across a financial video discussing the idea of using a Systematic Withdrawal Plan (SWP) to create reliable retirement income in Canada. It really caught my attention because many of us worry about how to turn our savings into a steady monthly income after we stop working.

So, what exactly is an SWP? Simply put, it allows you to set up regular withdrawals from your investments, such as mutual funds, segregated funds, or other investment accounts. Instead of selling assets randomly, you decide how much you want to withdraw monthly (or quarterly), and the investment company automatically sells enough units to provide that cash. The rest of your investment stays invested and continues to grow.

✅ Why it’s useful for retirement:

• Provides steady cash flow (like your own pension).

• Can be tax-efficient, since withdrawals may include capital gains or return of capital, which are taxed more lightly than regular income.

• Offers flexibility — you can adjust or pause anytime.

• Helps you feel more secure knowing you have a planned income stream.

SWPs are available across all provinces in Canada. The key difference lies in provincial tax rates, which affect how much tax you actually pay. Combined with other retirement income sources like CPP, OAS, RRIFs, and TFSAs, an SWP can play an important role in building a balanced and tax-efficient retirement plan.

💡 My takeaway: An SWP is like building your own "personal pension." With careful planning, it can provide peace of mind and financial stability throughout retirement.

Hashtags:
#RetirementPlanning #CanadaFinance #SWP #PassiveIncome #TaxPlanning #RetirementTips

---