RRSP withdrawals are generally included in taxable income. RRSPs must mature by the end of the year the annuitant turns 71, и RRIFs then have prescribed minimum withdrawals. A good drawdown plan considers today’s tax rate и future forced income together.
Когда RRSP должен стать пенсионным доходом
Согласно CRA, RRSP должен быть завершен к концу года, в котором владельцу исполняется 71 год. При завершении средства обычно можно снять, перевести в RRIF или использовать для покупки допустимого аннуитета. Прямой перевод RRSP в RRIF сам по себе не создает немедленного налогооблагаемого дохода, но выплаты из RRIF облагаются налогом при получении.
Минимальные снятия RRIF
A RRIF has an annual minimum payment based on age и the value of the RRIF at the beginning of the year. For standard post-1992 RRIFs, the prescribed factor is 5.28% at age 71, 5.40% at 72, 5.53% at 73 и rises with age. The exact factor should be verified against CRA’s current prescribed-factor table.
Where permitted и elected when the RRIF is established, the minimum may be based on a younger spouse or common-law partner’s age. This can reduce required withdrawals.
Почему снятия до 71 года иногда могут помочь
Deferring every RRSP dollar as long as possible can create a large RRIF balance и выше mandatory taxable withdrawals later. In some plans, taking controlled RRSP withdrawals earlier—especially in low-income years before CPP/OAS or before large pensions begin—can reduce lifetime tax or future OAS recovery. In other plans, early withdrawals simply accelerate tax unnecessarily. The answer depends on the entire projection.
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