本文发表在 rolia.net 枫下论坛此 计 划 是 为 年 轻 家 庭 保 障 ，年 老 退 休 用 钱 而 设 计：
用 最 短 的 时 间, 投 入 尽 可 能 少 的 钱 , 不 须 烦 恼 地 积 累 一 笔 财 富 , 年 老 退 休 时 “ 免 税 ” 取 用 , 终 老 还 有 一 笔 可 观 的 免 税 财 富 给 家 人 。

XXX, 男, 33 岁, 健 康 不 吸烟着

Plan: Manulife Whole Life ( 分红式保险)

基 本 保 额: $100,000
基 本 保 费: $2017/年
额 外 投 资: $83/年
每 年 总 投入: $2100/年
付 款 年 限: 15 年
总 投入: $31,500

按照 Manulife 现分红比例8.8% ( Manulife 15年 平均分红比例 9.5%)，

到65岁：
当 年 分 红: $14,825
总 现 金 值: $243,756
死 亡 赔 偿: $532,498

最有效的取 用 钱 的 方 法 是 用 保 单 到 银 行抵押 借 款,不 算 收 入, 不 用 上 税.

假 设 银 行贷 款 利 率为 10.5%. (保守算法, 实 际 贷款利 率是 prime rate +1%, 现为5.25%)
从65岁起，每年可免税取用$15,872，连续取用15年。（相当于税前$20,348，以最低税率22%计算）

假设79岁死亡：
死亡赔偿：$1,171,891 （一 百 七 十 万）
银行借贷本金加利息：$579,825 （五 十 七 万 九）
家人还可得：$592,066 （免税）

总帐：

总投入：$2100/年 * 15年 = $31,500
79岁死亡时共免税取用： $15,872 * 15 年=$238,080
留下免税财产给家人：$592,066


这只是手边的一个例子，如果当事人的岁数可能更长，借贷本金加利息也会再高，那么家人还可得免税赔款也会相应减少。

只是想讲清楚保险和养老的关系。希望能有帮助解决一点疑惑。更多精彩文章及讨论，请光临枫下论坛 rolia.net

本文发表在 rolia.net 枫下论坛Only 5% of Canadian can really retire comforably, the remaining 95% will be struggling to get by. To be one of the 5%, you need to plan ahead:

1. maximize your RRSP contribution (check your Notice of assessment, it tells you how much you can put into RRSP)
a. work out an investment strategy by doing a thorough analysis of financial situation and your investment risk tolerance level. in a word, build a well-balanced portfolio.

b. stick to your plan and contribute regularly (say bi-weekly) for an amount that you can handle (without draining necessary fund for your daily expenses). In long run, the average return on your contribution will be higher than if you throw in a lump sum to beat the RRSP contribution deadline (march 1 of every year) ; the underlying principle is called "dollar cost averaging".


2. if you still have extra dollars every month, say $50, set up an annuity (only insurance company can provide annuity service). It works like this: every month you set aside $50 and let it accumulate in a pool of money managed by insurance company's investment team. You can choose just GIC type account (no risk at all). if you think you will retire in 30 years, set up 30-year annuity account, starting the 31st year, you will receive weeklyl, by-weekly or monthly cheque from insurance company to supplement your income at that time. such annuity service is not insurance, it is investment service offered by insurance company.

3. prepare a will and power of attorney to make sure all the hard-earned money will be disposed of according to your will, otherwise, government will take over and dispose of your properties according to lengthy and tidious government procedure

4. to lower possible health care cost, get all information necessary about OHIP (OHIP: Ontario Health Insurance Program sponsored by Ontario government so as to make the best use of it when you need it.

4. purchase Life insurance for income earner of your family

5. You may buy new products called Critical illness insurance and/or Long-term care insurance to minimize impact of becoming ill and lossing ability to take care of yourself. In detail, Criticial illness insurance pay a lump sum of money, say $100,000 to you when you are diagnosed to have one of 18 major illnesses. (CI and LTC insurances are designed to supplement OHIP coverage)

6. Last and not least, keep yourself health! Get a good job or start your own business, it means steady stream of income, then all RRSP, mutual fund, Insurance, annuity will make sense.更多精彩文章及讨论，请光临枫下论坛 rolia.net