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@Ontario

作为加拿大non-resident 的RRSP的处理. 总结如下：

bluecactus(miaomiao)
本文发表在 rolia.net 枫下论坛因为想去美国工作，所以简单了解了一下作为加拿大non-resident 的RRSP的处理。总结如下：

1.可以cash out，但要交25% flat rate tax 给加拿大政府。适用于RRSP 钱不多的人。因为在美国必须每年申报，钱少就不值得这个麻烦。federal gov 可以填表延税，州政府好像除了加州外没有特别手续。加州对RRSP 的收入征税，即使你当年是不会动用这笔收入的。

2. 也可以按照税务居民交税，但要做election under section 217. 详见CRA官方文件（我是不会这么做）：
http://www.cra-arc.gc.ca/E/pub/tg/t4145/t4145-e.html
只有world income 较低时（例如３万以下），这么做才有利。

３. 如果保留RRSP 户口，并且想投资共同基金，根据SEC 规定，大部分加拿大的brokerage 都不可以买卖 RRSP 户口里的基金给 U.S. resident （这里指每年居住183天以上）。也就是说，如果你找了这类broker,一旦选定了某个portfolio，在返加之前不得变动。但不是所有的 Brokerage 都禁止买卖基金给 U.S. resident， 起码 TD Waterhouse 就可以。

只了解这么多，欢迎大家指正。

相关文件
Rev. Proc 2002-23:
http://www.unclefed.com/Tax-Bulls/2002/rp02-23.pdf

Rev. Notice 2003-75:
http://www.unclefed.com/Tax-Bulls/2003/not03-75.pdf

Form 8891:
http://www.irs.gov/pub/irs-pdf/f8891.pdf更多精彩文章及讨论，请光临枫下论坛 rolia.net
(#3126551@0)
Last Updated: 2006-8-6
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Replies, comments and Discussions:

  • 枫下茶话 / 美国话题 / 作为加拿大non-resident 的RRSP的处理. 总结如下： -bluecactus(miaomiao); 2006-8-6 {1110} (#3126551@0)
    本文发表在 rolia.net 枫下论坛因为想去美国工作，所以简单了解了一下作为加拿大non-resident 的RRSP的处理。总结如下：

    1.可以cash out，但要交25% flat rate tax 给加拿大政府。适用于RRSP 钱不多的人。因为在美国必须每年申报，钱少就不值得这个麻烦。federal gov 可以填表延税，州政府好像除了加州外没有特别手续。加州对RRSP 的收入征税，即使你当年是不会动用这笔收入的。

    2. 也可以按照税务居民交税，但要做election under section 217. 详见CRA官方文件（我是不会这么做）：
    http://www.cra-arc.gc.ca/E/pub/tg/t4145/t4145-e.html
    只有world income 较低时（例如３万以下），这么做才有利。

    ３. 如果保留RRSP 户口，并且想投资共同基金，根据SEC 规定，大部分加拿大的brokerage 都不可以买卖 RRSP 户口里的基金给 U.S. resident （这里指每年居住183天以上）。也就是说，如果你找了这类broker,一旦选定了某个portfolio，在返加之前不得变动。但不是所有的 Brokerage 都禁止买卖基金给 U.S. resident， 起码 TD Waterhouse 就可以。

    只了解这么多，欢迎大家指正。

    相关文件
    Rev. Proc 2002-23:
    http://www.unclefed.com/Tax-Bulls/2002/rp02-23.pdf

    Rev. Notice 2003-75:
    http://www.unclefed.com/Tax-Bulls/2003/not03-75.pdf

    Form 8891:
    http://www.irs.gov/pub/irs-pdf/f8891.pdf更多精彩文章及讨论，请光临枫下论坛 rolia.net
    • 补充：TD 在４个州不得买卖基金给US resident: Lousiana, Virginia, Nebraska, Virgin Island. -bluecactus(miaomiao); 2006-8-6 (#3126556@0)
      • 请问具体怎么操作. 如果我已经是US RESIDENT, 而且在TD BANK 有RRSP 户头, 如何在TD WATERHOUSE 开RRSP户头, 并把TD BANK 的RRSP 转过去, 进而可以买卖RRSP 基金? -openmouth(贫嘴张大民); 2006-8-6 (#3126662@0)
        • TD waterhouse is the ONLY Canadian brokerage house that will accept NEW CLIENTS already living in the US (47 states as of now). -bluecactus(miaomiao); 2006-8-6 {816} (#3126673@0)
          TD waterhouse is the ONLY Canadian brokerage house that will accept NEW CLIENTS already living in the US (47 states as of now). If your existing broker (the one you had before moving to U.S.) is willing to trade in your existing account, this is fine. But if he isn't, TDW is the only alternative.

          TDW has agreements in place with 47 US states so that you can manage your account if you live in one of these. As far as I know, without these agreements its an SEC violation for a broker to sell Canadian mutual funds / stocks / other financial products to you.

          You don't have to go to a branch office in Canada to open such an account. Have a local (US) TDW branch office take your information and fax it to TDW Canada, give TDW Canada their contact information so that your identity could be confirmed.
          • Thanks, BlueCatUS. I will try it and post the result to this board.(it may take a while though). -openmouth(贫嘴张大民); 2006-8-6 (#3126696@0)
            • 好像不对。我用得是TD。我离开加拿大时，他说我只能买GIC这种，不能再买MUTUAL FUND/STOCK。现在拥有的可以KEEP，可以随时卖，但不可以再买进。 -ylanylan(&伊兰香&); 2006-8-7 (#3128308@0)
              • Is your account at TD Waterhouse? I confirmed with TDW last Friday that as a U.S. resident, you can trade Canadian mutual funds under RRSP account. -bluecactus(miaomiao); 2006-8-7 (#3128325@0)
                • Yeah, I have one account under td canada trust, and one under td waterhouse. I was told I cannot buy stock and mutual fund.Even they suspended the real-time quota which i could read from the web before -ylanylan(&伊兰香&); 2006-8-7 (#3128361@0)
    • If you open an account with CI investments before moving to the U.S., you can also trade/hold Canadian mutual fund in your RRSP account. The only exception is Nebraska and Virigin Islands. -bluecactus(miaomiao); 2006-8-11 (#3135973@0)
      • 补充: Sunlife and Clarica financial advisors sell CI mutual funds directly. Holding period of a CI mutual fund is 30 days. With other brokerage (like TDW), may hold for 90 days to avoid the penalty for selling early. -bluecactus(miaomiao); 2006-8-11 (#3135980@0)

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