SeSangano Unogona Kusarudza Pakati Pebhizimisi Mubhadharo kana Zvikamu
Bhizimisi Mariro kana Kubhadhara Muzvikamu?
Bhizimusi Mhuri Mitsva Nekukundikana
Kana iyo sangano inokubhadhara iwe mubhadharo webhizimisi , mukana mukuru ndewokuti iwe une pfuma yako pachako.
Izvi zvinoreva kuti:
- Iwe uchakwanisa kugovera kuRRSP (zvichienderana nezera rako).
- Iwe uchave uchibhadhara kuCanada Pension Plan (CPP). Sezvo CPP yako yekubhadhara mari yakabhadharwa ichienderana nekuwanda kwei, uye kwenguva yakareba sei, iwe wakapawo muPurani, izvi zvingave zvakakosha kubhadhara basa.
- Mari yebhizimisi kana bhonasi yakabhadharwa ichave kubhadhara mutero kwekambani.
- Kunze kwokubhadhara iwe, iwe unogona kuita imwe mari-kuparadzana nekubhadhara mubhadharo kune avo vanobatana nevashandi vakadai semudzimai kana vana. (Ona Pay Less Lesson Canadian Income Tax Nemari Yakapetwa ).
Iko kusakosha kukuru kuzvibhadhara iwe mubhadharo kubva kune imwe nhengo yako ndeyekuti iwe uchava nemari yako pachake. Mubhadharo inokwana zana kubva muzana inotengesa (zvakasiyana nemabhadharo, ayo anotengesa pamutengo wakaderera) saka zvichiita kuti kubhadhara iwe muholo kungawedzera mutero wako.
Kana eCanada Pension Plan (CPP), cherechedza kuti iwe unofanirwa kubhadhara zvikamu zvose zveCPP sezvaunenge iwe iwe mose muchishandi uye mushandi.
Chimwe chinhu chakaipa ndechekuti iwe uchafanira kuita mubhadharo kana uchizobhadhara iwe bhizimisi mubhadharo. Iwe uchafanirwa kuisa compte yePayroll neCanada Revenue Agency uye uite mapepa akafanana akadai sekugadzirisa T4 mashizha.
Uye kana uri kuita bhizimisi rine mari inowirirana gore negore, kuzvibhadhara mubhadharo kunogona kukonzera matambudziko emutero nekuti hauzokwanisi kutakura bhizinesi kurasikirwa mumakore amangwana, sezvaungagona kana iwe wakabhadhara iwe zvikamu.
Kugoverana Kubatsira uye Kukanganisika
Kana iyo sangano inokubhadhara iwe zvikamu , zvinobatsira ndezvi:
- Zvikamu zvinoshandiswa pamutengo wakaderera kupfuura mubhadharo, izvo zvingaguma iwe iwe uchibhadhara mutero wemunhu pachedu.
- Kusabhadhara muCanada Pension Plan kunogona kukuchengetedza mari.
- Kuzvipa iwe nezvikwereti zvakaenzaniswa nyore. Iwe unyorera cheki iwe pachako kubva kumakambani ako uye pamagumo egore, unovandudza bhuku reminiti yako yeminiti uye gadzirira chigadziro chemutungamiriri wezvikamu zvakabhadharwa.
Zvisinei, kune zvimwe zvisingabatsiri , zvakare. Kunze kwekuti iwe unogona kunge uchida kubhadhara CPP (Canada Pension Plan) chero zvakadaro nokuti kusabhadhara kunoderedza huwandu hweCPP iwe unofanirwa kuti iwe paunotora basa,
- Kugamuchira zvikwereti hakubvumi kuti upe rubatsiro kuRRSP sezvo usina mari, uye;
- Kuwana zvikwereti panzvimbo pekubhadhara kunogona "kuuraya" zvimwe zvingaita kuti iwe uwane rubatsiro rwemitero yako iwe, zvakadai sekudzvwa kwevana kutengesa mari.
Ndiko Kusanganiswa Kwemari Yakakosha uye Yakakosha Here?
Kazhinji, bhizinesi rebhasiro / bhonasi inobhadharwa kuitira kuti hurumende isatore mari inopfuura $ 500,000, uye zvikamu zvinowanikwa kana mari yakawanda ichidiwa.
Izvi ndezvokuti $ 500 000 ndiyo Dhizimisi Dhigirii . Kusvikira pamari iyi yemari, mari inotungamirirwa neCanada Corporation (CCPC) inobhadhara mutero wemari pamutengo wakaderera zvikuru kupfuura zvaizoita pamari pamusoro peiyo mari (pamutero wehutengo weanenge 16% zvichienderana nejesheni ipi inoshanda kubva).
Onai Makambani eCanada uye Corporate Tax kuti uwane tsanangudzo pamusoro pezvinoitwa neCanada-inotungamirirwa nehurumende yega yega uye muchidimbu chekubhadhara mutero .
Saka iyo inenge nguva dzose inonzwisisika kubhadhara mubayiro wakakwana kune muridzi wekutapudza mari yekambani kune iyi $ 500,000 yenhamba.
Zvisinei, mhinduro "yakarurama" kumubhadharo mubhadharo kana kubhadhara mune zvikamu mubvunzo inobva zvakakwana kumunhu wemabhizimisi wega pachake mune zvemari. Chii chaunowana mari yako? Ndezvipi zvinodiwa mumari yako? Chii icho chikorodzano chafanotaurwa nezvegore? Imba yeRRSP kana mamwe mahedheni ekubhadhara mutero anokosha here? Une makore mangani?
Nemhaka yeizvi, mubhadharo kana zvikwereti zvinoshandiswa zvakanakisisa zvakagadzirwa nehupi mazano ehuya akadai seaikonti , mutori wemari kana muteresi wemitero.