加拿大退休陷阱：揭露老年金OAS Clawback真相 6個應對策略避免老年金大損失! 深度解析加拿大老人金OAS詳細 OAS申請資格領取金額避免稅局倒扣OAS罰錢

加拿大退休陷阱：揭露老年金OAS Clawback真相 6個應對策略避免老年金大損失! 深度解析加拿大老人金OAS詳細 OAS申請資格領取金額避免稅局倒扣OAS罰錢｜Novella我想退休EP12

Рет қаралды 152,038

Күн бұрын

Пікірлер: 131

@NovellaWealth 4 ай бұрын

💡 想知點樣可以避免加拿大老年金OAS俾稅局倒扣，令退休金無端端少咗？呢條片幫你解開OAS嘅秘密，仲教你6個實用策略去保住自己嘅退休金💰！如果有問題或者想知更多，快啲喺留言區同我哋講！記得訂閱我哋頻道，同埋撳鐘仔，唔好錯過更多實用嘅理財貼士！🔔 多謝大家支持！🙌🏻 【加拿大退休策劃諮詢】 ⇣⇣⇣ 免費諮詢服務 Zoom 預約連結⇣⇣⇣ 👉🏻👉🏻 bit.ly/430I3q1 👈🏻👈🏻

@Kristen-vw6eh 2 ай бұрын

很多謝博主的分析和詳盡的解釋。讓我們了解更深。

@judychua1484 3 ай бұрын

多謝兩位主持人，講解好清楚！對將要退休人士作好準備！👍🏻😊🙏

@NovellaWealth 3 ай бұрын

多謝你留言支持 🙏🏻

@danniswang2020 4 ай бұрын

非常感謝🙏兩位❤獲益良多

@NovellaWealth 4 ай бұрын

很高興影片對您有幫助！多謝你留言支持 🙏

@khuongluc5793 3 ай бұрын

感謝分享赐教🙏🏻🙏🏻🙏🏻👍👍👍🎉

@jadeleungF28 3 ай бұрын

Thanks for the video. Very helpful for our age

@NovellaWealth 3 ай бұрын

Thank you for your comment and support! 🙏🏻

@clintyim2452 4 ай бұрын

withdrawing from a TFSA will not cause OAS clawback . TFSA withdrawls are tax-free and do not count towards net income for oAS clawback purposes.

@NovellaWealth 4 ай бұрын

You’re absolutely right! TFSA withdrawals are tax-free and don’t count towards net income, so they won’t trigger an OAS clawback.

@joannehung2417 3 ай бұрын

You already asked my question, thx@clientyim.

@jeanniep8562 3 ай бұрын

Thanks so much for the information.

@user-ey6yw4zx7w 4 ай бұрын

Thanks for the info. Can you have a talk on GIS

@NovellaWealth 4 ай бұрын

Thanks for your suggestion! We definitely can do that in our next video. 😊

@shoakmark 3 ай бұрын

多謝你們用心做的資訊. 現有問題如下：我現在進行緊RRSP melt down, 還有約兩三年時間才完成. 請問如果我今年開始提取OAS, OAS 的銀碼會否加進我提取的RRSP 內,而成為Total Income?

@NovellaWealth 3 ай бұрын

多謝你嘅問題及留言支持我哋嘅頻道 🙏🏻 如果你開始提取OAS，OAS金額會被計入你嘅總收入（Total Income），並且會同你提取嘅RRSP一齊計算成為你嘅應稅收入。如果你嘅總收入超過臨界值會導致OAS Clawback（即今條影片所討論的問題）。建議你諮詢專業財務顧問，幫你計算最合適嘅提取策略，避免影響你嘅OAS及RRSP。亦歡迎隨時聯絡我哋了解更多：bit.ly/430I3q1

@ChiKwongchow-r6v 2 ай бұрын

請了解申請 OAS 的資格。並非所有申請人都會獲得 OAS 福利。

@virginiawai8485 3 ай бұрын

In my humble opinion, people should not spend so much energy in working out their welfare entitlement, use the same energy to make money instead. One should not expect to live comfortably on government welfare. As to clawback, I get $0 from my OAS, but this does not meant I get nothing, the clawback amount is treated as a tax credit, print out the annual statement from your service Canada account and give it to your accountant. You must declare your foreign pension , there is a line on the tax form to fill in but you are not tax on it. Enjoy your retirement, don’t sweat over a few hundred dollars of social welfare payments. If you do get these payments, spend all of it to help the economy. Remember, the welfare payments, free healthcare, free education etc are pay for by tax money, if nobody want to tax , there will be no welfare.

@NovellaWealth 3 ай бұрын

Thank you for sharing your perspective! It's true that focusing on growing wealth is important, and managing government benefits like OAS should be part of a broader financial plan. Everyone's situation is different, and it's great that you're making the most of your resources. Enjoy your retirement, and thanks again for your thoughtful comment!

@julielook6005 Ай бұрын

Well said! My husband and I have paid into the system for close to 5 decades, during our working years. What irks me are those who rack their brains to hide their cash income from the CRA in order to pay little or no tax, yet make every effort to maximize government subsidies, ignoring or overlooking what other honest, hard-working taxpayers have contributed, to provide for national security, clean water, "free" healthcare, "free" education, welfare subsidies for the elderly to live with dignity. Money does not grow on trees. Stop the nickle-and-dime thinking. For every extra "free" dollar one receives from the CRA, this dollar was collected by the CRA, from another honest, hard-working Canadian taxpayer. Remember that your children and grandchildren will be heavily burdened by the staggering federal debt for decades to come.

@kai-fu6pc 11 күн бұрын

Absolutely

@kwokchung2468 3 ай бұрын

For CPP, if we will live in China at retirement, can we still get it?

@NovellaWealth 3 ай бұрын

@@kwokchung2468 Yes, if you live in China during retirement, you can still receive CPP payments. Canada has agreements with several countries, including China, to allow the payment of CPP even if you’re living abroad. However, there are some conditions based on how long you’ve contributed to CPP and where you’re residing. CRA will automatically deduct a withholding tax from your CPP.

@hk139139 4 ай бұрын

💪

@NovellaWealth 4 ай бұрын

thanks for your comment & support 🤓

@kitlui6225 3 ай бұрын

Citizens should feel proud not needing government money.

@estherlam1822 Ай бұрын

...depends on what kind of government😈😈😈

@kitlui6225 Ай бұрын

I still feel proud to give instead of receive.

@estherlam1822 Ай бұрын

@@kitlui6225 it's just yourself then, nothing to do with all citizens!

@kitlui6225 Ай бұрын

Did I say ALL citizens?

@WCTubeful 3 ай бұрын

多謝你的頻道. 清楚解答問題. Subscribe了. 有兩個問題困惑我很久. 1) OAS 40年是由過來讀書或入籍開始計算? 2) 我在Service Ontario網址看到我的as of 65歲CPP 收到的estimate 數目. 比喻是$1000. 如果我60歲退休但到了65才申請拿CPP. 是否就是$1000這數目? 須知我60至65已經沒有再供CPP. 多謝你.

@NovellaWealth 3 ай бұрын

多謝支持我哋嘅頻道！關於你嘅問題： 1） OAS嘅計算基於你成為加拿大合法居民嘅時間（包括持有工作許可或學習許可等，你都會被視為合法居民） 2） CPP金額每年會有所調整，所以你收到的估計金額可能會隨著時間而變動。建議你定期查看Service Canada網站以了解最新的估算數據。

@eddsinn 2 ай бұрын

多謝你們的分享！我以接近64歲！我應如何開始計劃我的退休呢！我現有工作(工作超過10年）及房子以 paid off! 可否給些意見？謝謝.

@WCTubeful 2 ай бұрын

@@NovellaWealth 多謝你的回覆,關於我第二條問題,我是知道65 service canada 的估計CPP數額每年會不同,我只想知道他們說的as of 65 是否65歲時的大約數額”縱使我60歲已停職沒有供CPP”?

@sandycheung1151 26 күн бұрын

⭐️

@skybird1328 3 ай бұрын

可以提供GIA 補助金详细资料吗？怎样可以申请？

@NovellaWealth 3 ай бұрын

多謝提議🙏下次講🤩

@linda9351 2 ай бұрын

居住時間計算法是否減去在居住期間曾在一年時間內回原居地住了半年或有時會一，二月時間累計都有一年長。

@NovellaWealth 2 ай бұрын

@linda9351 多謝你的提問！根據加拿大《Old Age Security》法規，如果你喺居住期間有短期離開加拿大，並且不超過一年嘅暫時性離境，通常唔會影響你嘅居住資格。即使你曾經因為學習、工作等原因離開加拿大，只要你滿足某些條件（例如返回加拿大時間），這段離開時間依然可以計算在居住時間內。具體情況可以參考Service Canada嘅指引: laws-lois.justice.gc.ca/eng/regulations/C.R.C.,_c._1246/FullText.html

@nt1546 3 ай бұрын

可唔可以講一期中產階級收入例如年薪五六萬但有公司退休金。咁公司退休金會否影響老人年和CPP? 謝謝回覆。

@NovellaWealth 3 ай бұрын

好建議，下次講吓多謝你嘅支持 😃

@nt1546 3 ай бұрын

@@NovellaWealth謝謝。

@NovellaWealth 4 ай бұрын

全球收入定義 What is net world income (Purpose of the Old Age Security Return of Income): www.canada.ca/en/revenue-agency/services/tax/international-non-residents/individuals-leaving-entering-canada-non-residents/old-security-return-income-oasri.html

@FannyC-i7s Ай бұрын

👍

@OliviaQoo-x2q 3 ай бұрын

👍🏼👍🏼👍🏼♥️

@一舊雲 4 ай бұрын

用 RRSP to split income, 可唔可以講多 D ? 關唔關 Age 事？

@NovellaWealth 4 ай бұрын

多謝你嘅提議！😃 RRSP income splitting 其實真係有好多唔同嘅情況要考慮，下一次我哋可以拍條片深入講解，幫大家了解多啲。如果你想了解你自己嘅情況，隨時可以同我哋約個appointment傾下： bit.ly/430I3q1

@fannychan8575 4 ай бұрын

請問提早2年退休會少拿幾多錢？有無着數😊

@NovellaWealth 4 ай бұрын

@@fannychan8575 係咪有着數就要睇你嘅整體財務計劃啦！😊 建議你book個諮詢，咁我哋可以幫你計算清楚提早退休嘅影響，並且搵到最適合你嘅方案： bit.ly/430I3q1

@一舊雲 4 ай бұрын

@@NovellaWealth吓，如果要俾錢，你地 60 分鐘 charge $ 4000 ? 咁係唔係用完 E 個 free service 之後就晤需要見你地，可以一勞永逸了？因為照你地咁講 $ 4000 一個鐘實在太貴了，我用開個CPA, CFA,加埋都唔駛 $800一個鐘，你地應該唔會好似我個 CFA咁同我㨂 Fund and Stock ? 你地只係揾 Fund 佬 Sell Fund 俾我 ? 你地 Operation 係咪同 Edward Jones 咁樣？你地有冇 Stock Broker 牌？

@NovellaWealth 4 ай бұрын

@@一舊雲我們的諮詢服務是完全免費的！外面的公司通常會收費約$4000去做財務計劃，但我們是無償提供完整的財務計劃，幫助客戶作出最佳決定。客戶可以根據自己的情況自由選擇是否繼續使用我們的服務，無論選擇與否，都不會收取任何費用。希望能幫到你！

@bonnielau6077 3 ай бұрын

😊😊😊

@koliver3511 4 ай бұрын

Thanks for the info. Question. Can we apply for GIS at age 65 but postpone CPP&OAS ?

@NovellaWealth 4 ай бұрын

To apply for GIS, you must be receiving OAS. So if you're postponing your OAS, you won’t be eligible for GIS until you start receiving OAS. For personalized advice on optimizing your retirement strategy, feel free to reach out to us at Novella Wealth! bit.ly/430I3q1

@koliver3511 4 ай бұрын

Thanks

@LeungJulitta 2 ай бұрын

😊

@peterchung5744 4 ай бұрын

非常多謝兩位主持人的資訊，我的scenario 是我75太太72，CPP/OAS. 16,800/8,400. 我的RRIF 33,500. 太太無。我的RRIF total有約$550000。我今年應該提多才可避免clawback.

@NovellaWealth 4 ай бұрын

多謝你的詳情，需要個人化嘅建議要全面考慮，你可以預約一個專業諮詢，我哋可以幫你全面分析，幫你制定最適合你嘅提取計劃。免費諮詢預約連結：bit.ly/430I3q1

@oiwochan1226 3 ай бұрын

好希望兩位主持人知道陷阱的定義係乜野.

@NovellaWealth 3 ай бұрын

@oiwochan1226 哈哈，多謝你嘅提點！「陷阱」呢個詞可能用得有啲誇張，但我哋想強調嘅係OAS有啲細節會令你預期以外嘅結果，特別係當你收入較高時。我哋嘅目標係幫大家避開呢啲“暗藏機關”！希望你繼續支持我哋嘅影片！😄

@jennychow7469 4 ай бұрын

怎樣可以約見你？

@NovellaWealth 4 ай бұрын

網上預約連結⇣⇣⇣ bit.ly/430I3q1

@ewclam9 3 ай бұрын

非居民无需申报全球收入或养老金, CRA 只从 OAS 中拿走 25%。对吗？

@NovellaWealth 3 ай бұрын

非居民需要支付25%的OAS預扣稅 (withholding tax)，但若全球淨收入超過當年設定的Minimum Threshold（如2024年的門檻為$90,997加元），則還需支付額外的OAS回扣稅 (clawback / recovery tax)。這兩種稅款加起來不會超過每月所收到的OAS金額。如果所扣稅款超過應付的回扣稅，CRA會退還差額；相反，若預扣稅不足以支付應付的回扣稅，則需要補交差額。非居民並且正在領取OAS的話，您可能需要填寫T1136表格 (除了有一些有協定的國家）。詳情請看：www.canada.ca/en/revenue-agency/services/forms-publications/publications/t4155/t4155-old-security-return-income-guide-non-residents.html#P35_680

@Noneed2024 3 ай бұрын

現時未夠65歲,已經在溫哥華住超過13年,想問如果現時身在海外工作算不算還是居住在加拿大？到65歲是否等於足夠住滿20年或以上？

@NovellaWealth 3 ай бұрын

@@Noneed2024海外工作期間唔計算在內。

@Noneed2024 3 ай бұрын

@@NovellaWealth 沒有申請非居民都不計算是居住年期？對嗎？

@NovellaWealth 3 ай бұрын

@@Noneed2024 如果你打算喺65歲或70歲退休時居住喺加拿大以外，你必須在加拿大曾經住滿20年先可以領取OAS。即使你冇申請非居民身份，政府仍可能要求你提供證據證明你係有住喺加拿大（我哋有好多客人遇到過同樣情況）。除非你住喺同加拿大有社會保障協議嘅國家，或者為加拿大雇主喺海外工作，否則喺海外嘅年期通常唔會計算喺20年入面。

@SueGe-k6d 4 ай бұрын

臨界點是指個人收入還是家庭收入？

@NovellaWealth 4 ай бұрын

個人

@LuckyqueenA 12 күн бұрын

點解

@NovellaWealth 11 күн бұрын

多謝留言！可否講多啲你嘅問題？😊

@Eric69587 3 ай бұрын

可否比較一下: 到65歲時在加拿大才住滿30年，在65歲就開始領取OAS同延後到70 (住滿35年) 才領取OAS的分別。

@NovellaWealth 3 ай бұрын

如果你延遲到70歲領取OAS，住滿35年，每延遲一個月，你嘅OAS金額會增加0.6%，總共延遲5年，OAS金額將增加36%。具體適合你嘅策略建議可以諮詢財務顧問幫你計算：bit.ly/430I3q1

@changyanli5949 Ай бұрын

有没有国语的呀？

@NovellaWealth Ай бұрын

感谢您的支持！我们的影片目前只有广东话版本，但有中文字幕和英文字幕，希望能帮助您理解内容！😊

@wilsonchan6281 4 ай бұрын

請問貴公司會有幫人報稅嗎？

@NovellaWealth 4 ай бұрын

多謝你嘅查詢！我哋公司專注於財務策劃和理財建議，暫時冇直接提供報稅服務。不過，我哋可以幫你聯繫可靠嘅專業報稅人士，同時幫你整體退休和財務計劃做出最佳安排。如果你有興趣，可以隨時約個諮詢！ bit.ly/430I3q1

@emilypkchoi 3 ай бұрын

OAS係根據來加拿大的第一天，還是拿到永居的第一天計算？

@NovellaWealth 3 ай бұрын

根據《Old Age Security Regulations》嘅規定，居住係指你喺加拿大建立家園並通常居住，而「在加拿大」係指你身體實際上喺加拿大境內。只要你係合法居民，包括持有工作許可或學習許可等，你都會被視為合法居民，但旅遊簽證唔計算在內。你可能需要證明居住時間，建議保留相關證據。如果你離開加拿大超過一年，嗰一年就唔計算在內。詳細定義可以參考： ircc.canada.ca/english/helpcentre/answer.asp?qnum=515&top=15 laws.justice.gc.ca/eng/regulations/C.R.C.,_c._1246/FullText.html

@SumYeung-bu6cq 4 ай бұрын

政府話遲D攞陰司紙會多D ! .

@NovellaWealth 4 ай бұрын

🥶🥶

@Improve12345 3 ай бұрын

計是否夠40年時，未入籍前的幾年在加拿大計不計住在加拿大？

@NovellaWealth 3 ай бұрын

計。根據《Old Age Security Regulations》嘅規定，居住係指你喺加拿大建立家園並通常居住，而「在加拿大」係指你身體實際上喺加拿大境內。只要你係合法居民，包括持有工作許可或學習許可等，你都會被視為合法居民，但旅遊簽證唔計算在內。

@angiecheung1889 3 ай бұрын

如果我68 歲但住唔滿是不可以申請？但我有公司在加拿大及有加稅🙏

@NovellaWealth 3 ай бұрын

@@angiecheung1889 OAS要住滿10年啊

@angiecheung1889 3 ай бұрын

Thank you

@chingo3625 3 ай бұрын

不要大驚小怪、說明保征最低收入。收高入的退休人仕不應領取OAS、還有要注意一事項是長者的額外免稅額亦會隨之扣減，直至零。

@NovellaWealth 3 ай бұрын

多謝你嘅分享，合理規劃財務可以幫助減少影響。

@leerebecca4958 4 ай бұрын

找你地問題貴嗎

@NovellaWealth 4 ай бұрын

諮詢是不收費的預約連結⇣⇣⇣ bit.ly/430I3q1

@yeeleehk7341 3 ай бұрын

一年有十幾萬收入嘅人非常少，如果我有十幾萬收入，都吾至在oas 啦

@NovellaWealth 3 ай бұрын

😅的確係比較幸福的一群。不過，了解一下點解有OAS clawback都係好事，始終多啲選擇多啲保障嘛！😄

@shenshen1145 2 ай бұрын

我54岁，出租6万，人工5万，我有RRCP 5万，现在上班还是闲在家。

@NovellaWealth 2 ай бұрын

謝謝你留言。請點擊連結預約財務策劃師做免費個人諮詢：bit.ly/430I3q1

@paulineh3829 3 ай бұрын

請問，你話65歲開始取RRSP嘅錢出來，但如果仍然工作有收入，這樣不是加大當年的收入，纳多好多稅？幾時取出最化算呢？

@NovellaWealth 3 ай бұрын

多謝你嘅提問！提取RRSP嘅最佳時間取決於你未來嘅收入預測同整體稅務狀況。具體適合你嘅提取策略，歡迎預約諮詢財務策劃師幫你計算：bit.ly/430I3q1

@paulineh3829 3 ай бұрын

@@NovellaWealth thank you

@ChiKwongchow-r6v 2 ай бұрын

該頻道對實際的加拿大 OAS 分發一無所知。 CPP不是OAS。對於 OAS，申請人必須符合資格。與 GIS 應用程式相同，要合格。

@NovellaWealth 2 ай бұрын

多謝你的意見！想請教一下，係邊度有唔啱嘅地方？我哋嘅影片係集中講解OAS（老年金）而非CPP。影片嘅02:30已經詳細講解過OAS申請資格，你可以回去睇返嗰部分。希望呢段內容可以解答你嘅疑問，如有其他問題，歡迎隨時再問我哋！

@ChiKwongchow-r6v 2 ай бұрын

@@NovellaWealth CCP 是您對 CANADIAN PENSION PLAN 的供款。這是你的錢。但 OAS 是 OLD AGE SECURITY，是加拿大政府的一項計劃。這很大一部分取決於加拿大人在加拿大居住了多長時間. 您是報告加拿大移民可以獲得 OAS ，但它還需取決於最近的所得稅申報表。容易混淆申請人的誤解. 最高 CCP 約為 700 加元。而最高 OAS 可以接近 1700 加元。加拿大的老年金因人而異。

@NovellaWealth 2 ай бұрын

@@ChiKwongchow-r6v 似乎有少少誤會？我哋影片其實已經詳細解釋過OAS係點樣根據居住年期計算，重點亦是解釋如果收入高於 threshold 會被 clawback。實際上，OAS的資格主要是根據你在加拿大的居住年限，而是否曾經報稅並不是主要因素。詳情請瀏覽政府網站： www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/eligibility.html