大狼狗

今天账户上收到direct deposit，约900加币，来自CANADA RIF/RIT.

不明白是怎么回事？查了一下网上，是有关RRSP的（见下文），可是我并没有购买RRSP。糊涂中，请明白人指点。

The Canada RIF is a no-fee registered retirement income fund (RRIF) designed specifically for holding the Canada Premium Bond (CPB) and the Canada Savings Bond (CSB) directly in a RRIF. When the time comes to transfer your RRSP funds to a RRIF, The Canada RIF offers you the safety and security you need for your retirement income.

The Canada RIF:

• allows your savings to retain their tax deferred status until they are withdrawn;
• allows you to control the timing and amount of the withdrawals (subject to an annual minimum amount required by law); and
• has no fees of any kind.

The Canada RIF is the next logical step when the time comes to enjoy your retirement savings and investments. It's a no fee, no hassle way to get the most for your well-planned retirement.

When you select the RRIF option for your Canada Savings Bonds, you transfer your RRSP savings into The Canada RIF. At any time, you may transfer in kind Canada Savings Bonds (the CPB and the CSB) held in a self-directed RRSP or RRIF by visiting the financial institution currently administrating your RRSP or RRIF. During any sales campaign, you can transfer the proceeds (except locked-in funds) from another RRSP or RRIF to The Canada RIF to purchase the CPB and the CSB by visiting the financial institution currently administering your RRIF and having them initiate a transfer request. The minimum transfer amount to The Canada RIF is $500.

By law, you are not eligible to hold an RRSP beyond December 31st of the year in which you reach the age of 69. By that time, you must arrange to transfer the proceeds of your RRSP into a RRIF or an annuity that provides you with a retirement income, or you must withdraw the funds and pay income tax on the total proceeds.

minworm

我也收到了，Direct Deposit的， Canada RIT， Return Of Income Tax，应该是，我到CRA的网站上看了，数额和上面应该退给我的数额是一样的。就是退税啦。