NjengeQumrhu Unokukhetha Phakathi Kwemivuzo Yeshishini okanye iMida
Umvuzo woShishino okanye uhlawule kwiSahlulo?
Iintlawulo zeBhizinisi kunye neNzuzo
Ukuba i-corporation ikuhlawula umvuzo weshishini , inzuzo enkulu kukuba unemali engenayo.
Oku kuthetha ukuba:
- Uya kuba negalelo kwiRRSP (kuxhomekeke kwiminyaka yakho).
- Uya kuba uhlawula kwiCane Pension Plan (CPP). Njengoko umhlalaphantsi wakho wepenshini ye-CPP isekelwe kumlinganiselo ongakanani, kunye nexesha elingakanani, uncedise kwisiCwangciso, oku kungabonwa ngokubaluleka komhlalaphantsi.
- Umvuzo webhishini okanye ibhonasi ehlawulwayo iya kubanjiswa kwentlawulo yenkampani.
- Ngaphandle kokuzihlawula, unokwenza umvuzo-ulwahlulo ngokuhlawula umvuzo kumsebenzi onxulumene nomlingane okanye abantwana. (Jonga ukuhlawula irhafu yeNkcazo yeNgeniso yeCanada kunye neNgeniso yokuNikwa kweNgeniso ).
Inkulu enkulu yokuzihlawula umvuzo kwinkampani yakho kukuba uya kuba negalelo lomntu. Imvuzo ikhulu ekhulwini ehlawulwa irhafu (ngokungafani neendleko, ezihlawulwa intela ephantsi) ngoko kuya kwenzeka ukuba ukuhlawula umvuzo kunokunyusa umthwalo wakho werhafu.
Ngokumalunga neCanada Pension Plan (CPP), qaphela ukuba kuya kufuneka uhlawule zombini iincandelo ze-CPP njengoko uya kuba ngumqeshi kunye nomqeshwa.
Enye inzuzo kukuba kuya kufuneka wenze inqanaba lokuhlawula xa uza kuhlawula umvuzo wezorhwebo. Uya kufuneka uqalise i-akhawunti ye-Payroll kunye ne- Arhente ye-Revenue Agency kwaye wenze zonke iifayile ezinxulumene nokulungiselela i-T4.
Yaye ukuba uthe wenza ishishini elinenzuzo eyahluka kunyaka nonyaka, ukuhlawula umvuzo kunokubangela iingxaki zerhafu kuba awuyi kukwazi ukubuyisela ukulahlekelwa kweshishini kwiminyaka ezayo, njengoko unakho ukuzihlawula izabelo.
Ulwahlulo lweziNzuzo kunye neziNzuzo
Ukuba i-corporation ihlawula igalelo , inzuzo yile:
- Izahlulelo zihlawulwa kwizinga elingaphantsi komvuzo, onokubangela ukuba uhlawule irhafu yerhafu.
- Ukungahlawulwanga kwiCanferensi yePensheni yePhaneli inokusindisa imali.
- Ukuzihlawula ngokwahlukileyo kuyafana nokulula. Ubhala isheke kuwe ngokwamaqela akho kwaye ekupheleni konyaka, uhlaziya incwadi yemfutshane yenkampani yakho kwaye ulungiselele isisombululo somlawuli wezabelo ezihlawulwe.
Nangona kunjalo, kukho ukungonakali , kwakhona. Ngaphandle kwento enokuba ufuna ukuhlawula i-CPP (iPrans Pension Plan) nangona kunjalo, kuba ungayikhokheli iya kunciphisa inani le-CPP onelungelo lokuthatha umhlalaphantsi,
- Ukufumana izabelo akuvumeli ukuba negalelo kwiRRSP njengoko ungenayo nayiphi na ingeniso, kwaye;
- Ukufumana izabelo esikhundleni somvuzo "kunokubulala" ezinye iirhafu ezifumanekayo zerhafu yakho, ezifana nokuncitshiswa kweendleko zomntwana.
Ingumxube weMvuzo kunye neZigqibo ezingcono kakhulu?
Ngokuqhelekileyo, umvuzo webhishini / ibhonasi ihlawulwa ukuqinisekisa ukuba i-corporation ayifumani ngaphezu kwama-500 000, kwaye ke izahlulelo zihlawulwa xa kukho imali engaphezulu.
Oku kungenxa yokuba i-$ 500,000 yiMashishini amancinane . Ukufikelela kweli xabiso lemali engenayo, i- Canadian Corporation (CCPC) elawulwa ngasese (i-CCPC) ihlawula irhafu yengeniso kwisilinganiso esincinci kangangoko kunokwenzeka kwimali engenayo ngale mali (kwizinga lentlawulo malunga ne-16% ngokubhekiselele kwiphondo elisebenza kuyo).
Jonga iintlobo zeenkampani zaseCanada kunye neRhafu yeNkcazo ngeenkcukacha malunga nento eyenza iqumrhu elizimeleyo elilawulwa yiCanada kunye nesishwankathelo seenzuzo zerhafu yengeniso .
Ngoko kuphantse kunengqiqo ukuhlawula umvuzo okwaneleyo kumnini ukunciphisa ingeniso yenkampani kule nqanaba ye-$ 500,000.
Nangona kunjalo, impendulo "echanekileyo" ekuhlawuleni umvuzo okanye ukuhlawula kwizabelo zemibuzo ixhomekeke ngokupheleleyo kwiimeko zemali zomntu. Iyini inqanaba lakho lemali? Ziziphi iimfuno zakho zokuhamba kwemali ? Yiyiphi ingeniso yenkampani eqikelelweyo yonyaka? Ingaba igumbi leRRSP okanye ezinye iincutshulwa zerhafu zomntu ezibalulekileyo? Ingaba umngakanani?
Ngenxa yoko, umvuzo okanye isinqumo sesahlulelo senziwa ngokufanelekileyo ngcebiso engcali njengokuba ngumgcini - akhawunti , umcwangcisi wezezimali okanye ummeli weerhafu.