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谢谢你的快速答复。我还在参照8891来琢磨你的意思,需要你的进一步帮助:

本文发表在 rolia.net 枫下论坛在8891 form中:
6a,Have you previously made an election under Article XVIII(7) of the U.S.-Canada income tax treaty to defer U.S. income tax on the undistributed earnings of the plan?
看起来undistributed earnings是需要交税的,但可以选择延迟交税还是每年度交。您建议是defer还是不defer?

7a,Distributions received from the plan during the year. Enter here and include on Form 1040, line16a...............................
7b,Taxable distributions received from the plan during the year. Enter here and include on Form1040, line 16b...........................
Distributions 和 Taxable distributions有什么区别?

10 Undistributed earnings of the plan during the year:
a
Interest income. Enter here and include on Form 1040, line 8a...........
b
Total ordinary dividends. Enter here and include on Form 1040, line 9a ........
c
Qualified dividends. Enter here and include on Form 1040, line 9b..........
d
Capital gains. Enter here and include on Form 1040, line 13............
e Other income. Enter here and include on Form 1040, line 21. List type and amount
这些earnings是否包括在RRSP的statement中?不需要交税?

最后,需要在formTD F 90-22.1中包括RRSP账号吗?更多精彩文章及讨论,请光临枫下论坛 rolia.net
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Replies, comments and Discussions:

  • 枫下茶话 / 美国话题 / 能帮忙简单介绍一下加拿大的RRSP的增益在米国需要报税吗?
    • RRSP要报在8891form里,收益不交税。RESP和税后投资账户一样,其收益要交税。如果它们超过1万,还有报财政部的TDXX.XX的表。
      • 多谢回复。我理解你的意思就是只需要在form8891里报告,但不需要交税,是吗?
        • 是的。增长部分免税,和ira是一样的。只要不取出来,就不算收入。
          • 谢谢你的详细解释。
          • 在快速查看了8891form之后,还有一些问题请教:什么是Distributions?什么是Taxable ?Distributions?什么是Undistributed earnings?Undistributed earnings需要交税吗?
            • distribution is the amount you withdrawn from RRSP, undistributed earning is the amount gained inside the plan. distribution is considered as you income of the year and subjected to taxation; undistributed earnings is not.
              • 谢谢你的快速答复。我还在参照8891来琢磨你的意思,需要你的进一步帮助:
                本文发表在 rolia.net 枫下论坛在8891 form中:
                6a,Have you previously made an election under Article XVIII(7) of the U.S.-Canada income tax treaty to defer U.S. income tax on the undistributed earnings of the plan?
                看起来undistributed earnings是需要交税的,但可以选择延迟交税还是每年度交。您建议是defer还是不defer?

                7a,Distributions received from the plan during the year. Enter here and include on Form 1040, line16a...............................
                7b,Taxable distributions received from the plan during the year. Enter here and include on Form1040, line 16b...........................
                Distributions 和 Taxable distributions有什么区别?

                10 Undistributed earnings of the plan during the year:
                a
                Interest income. Enter here and include on Form 1040, line 8a...........
                b
                Total ordinary dividends. Enter here and include on Form 1040, line 9a ........
                c
                Qualified dividends. Enter here and include on Form 1040, line 9b..........
                d
                Capital gains. Enter here and include on Form 1040, line 13............
                e Other income. Enter here and include on Form 1040, line 21. List type and amount
                这些earnings是否包括在RRSP的statement中?不需要交税?

                最后,需要在formTD F 90-22.1中包括RRSP账号吗?更多精彩文章及讨论,请光临枫下论坛 rolia.net
                • can't answer. why not find a CPA? you eventually will need one anyway.
                  • Yes, I will find one. But I want to have some background knowledge to make sure the accountant really knows how to file RRSP. Anyway, thank you for the help.
                    • 请问你找到CPA了吗?
      • RESP 2月底以前卖掉,收益算去年还是今年?
        • 算今年的,明年报税。和一般的投资账户买卖股票一样处理。
      • 赞同你的说法。而那eu什么的说的看不出有什么依据。
        • 我说的跟他说的有什么不同?
          • 重复一遍,你英文的理解能力可能有些问题,别人写的英文你好像也读不太明白。
          • 光让大家看链接没用,你自己首先要好好阅读好好理解。
    • Form 8891不用跟Form 1040一起提交吧?有什么软件可以提交Form 8891呢?谢谢!