如何在退休时退出投资组合

流浪者
跟着我
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今年,我们进行了有史以来第一次投资组合提取。

It’至少可以说是疯狂的几年。在我们退休的第一年,发生了2015年的油灾, 把我们的投资组合搞砸了 并迫使我们执行一项备份计划:蚕食我们的现金储备。然后在2016年,随着以奥巴马为首的经济复苏稳固起来,事情恢复了,并使我们所有人进入一个安全,稳定繁荣的时代。

Then 王牌 got elected.

道指一度暴跌500点,但随后莫名其妙地开始上涨。

和向上和向上’没了。对每一个专家的意见,对每一个预测,股市没有做任何事情,但提前,因为这灾难性的一天白痴得到当选。

我对这个家伙真的有矛盾的感觉。一方面,他’显然是个白痴’不知道他到底是什么’s doing.

另一方面?一世’在我担任美国总统期间,我赚了很多钱。仅今年我’ve made over $100k. 那 ’s…confusing.

但是回到撤军。为什么我们需要做一个?我们为什么要写呢?

好吧,要回答第一个问题,我们的现金储备正在枯竭。我们节省了3年的现金缓冲,然后才退休以应对可能发生的任何风暴,这是我们扣动扳机后可能发生的。第一年,我们明智地度过了石油危机。但是在第二年,我们愚蠢地将其用于所谓的 “Investment Workshop” 我们在哪里投资了它,并对其进行了截图,这都是在不明智的尝试下告诉我们的读者如何投资。我们是什么白痴。

因此,今年,我们第一次盯着现金余额的减少,决定,“你知道吗?我们真的应该为此做些事情。”

因此,我们的第一个投资组合提款!

给我看看钱款!

When we retired, we shifted out portfolio towards higher-yielding fixed 收入 assets. This created what we like to call the 屈服护盾。从理论上讲,这种收益盾与我们的现金缓冲相结合,可以保护我们免受因退休而造成的暂时性市场下跌。实际上,它完全有效。

The 屈服护盾 for our $1 million portfolio was 3.5%, equaling $35k. The intent of this, combined with our cash cushion, was to protect us against an unfortunately timed market downturn that would screw us over. 那 market crash happened, but because of that 屈服护盾, we emerged unscathed. Instead, we invested as markets collapsed and ate into our cash cushion instead, with the idea that would 购买 us into time to make it to the next uptick.

所以现在,距我们又过去了一年,我们正处于上升的一年。我们没有亏损,而是赚了钱,总计超过10万美元。并通过这一切,不断产生了$ 35k的Yield Shield金额。

是时候退出了。

提款

我为什么写这篇文章?因为…

a) As it turns out, withdrawing cash from 您r portfolio isn’t nearly as straightforward as 您 think it is and…

b)大多数FI博客作者最终从他们的博客中赚了太多钱,而且再也不必撤出投资组合!所以我认为人们看到它如何会很有趣’s REALLY done.

大。所以我们开始。这是我实际的个人退休投资组合的样子。

 

是的’有很多帐户,但让我为您介绍这些帐户。首先,在顶部,我们有流浪者’RRSP,这是美国401k的加拿大版本。然后,在下一行,我们有了FIRECracker’的退休帐户,这是LIRECracker因其旧工作而拥有的LIRA(锁定退休帐户)的组合’的退休金计划),RRSP(相当于401k)和配偶RRSP(之所以创建,是因为它允许我按自己的税率向她的RRSP供款,并按她的税率提取)。这些都是非常加拿大的帐户类型,而我’对此表示抱歉(哦,道歉!也很加拿大!),但希望您可以将其映射到您的国家/地区’s tax codes.

Anyhoo,接下来是我们的TFSA’s,类似于American Roth IRA’,最后是我们的两个投资帐户,分别标记为常规1和常规2。之所以有两个,是因为一个以加元计价,另一个以美元计价。

So over the year, our 屈服护盾 has been hard at work generating 收入 that we need to survive. We ended up generating $35k, and that’太好了!我的意思是4%规则表明我们可以提取更多,但我们’重新预测我们的一年’的生活费用约为$ 35k,因此$ 35k就足够了。

唯一的问题?我们的现金看起来像这样:

对。我们的现金散落在各处。而且这些帐户中有许多是退休帐户,受到限制,使我无法免税地使用该现金。

好吧,开玩笑 ’之所以这样做,是因为我毕竟将所有现金免税了。这里’s what I did.

买/卖掉期

Normally, 您 can’•将现金从一个递延税帐户转移到另一个。因此,尽管FIRECracker的LIRA拥有现金,’确实没有直接的机制来获得这笔钱。还是在那里?提示:是的。

通过使用股票市场本身作为转移机制,我们可以在不发生任何应税事件的情况下获取现金!它’s super simple.

首先,选择一个 ’s held in both accounts. Then, in the account with the cash 您 want to get out, 购买 as much of that ETF that 您 can. Then, in the account 您 want to transfer the cash into, 卖 the exact same amount of units as 您 bought, at the same price.

If 您 do this correctly, 您r 购买/sell orders will match up on the stock market, and when 您r orders go through 您 will have essentially sold into the market in one account, then bought those units back in another account. You will have essentially used the market to transfer 您r cash, and because 您’ve done it in 您r tax-advantaged accounts, there will be 没有税 consequences!

就我而言,我使用这种技术从FIRECracker转移现金’s LIRA to her Spousal RRSP. I then repeated the process, picking an ETF I own in both her RRSP and her Spousal RRSP and doing a 购买/sell swap on the open markets with the same unit price.

 

现在我们有了所有想要的现金,就可以在需要的地方使用’s time to do a withdrawal. For us Canadians, any amount we withdraw from an RRSP gets added to our taxable 收入, which is similar to what happens to Americans when they rollover money from a Traditional IRA into a Roth IRA.

So this amount that we withdraw becomes taxable 收入. Only thing is, when 您’re early-retired like us 您r taxable 收入 drops to zero, so any 收入 like this 您 can shelter underneath 您r personal exemption (or standard deduction if 您’re American). And given the tax changes that just passed Congress, this amounts to about $10k per person on both sides of the border! 以便 means assuming no other 收入, 您 can withdraw $10k per person from 您r tax-deferred accounts tax-free! For Canadians, this withdrawal can be done straight, while for Americans this has to be done as a 5年罗斯IRA转换阶梯。但是最终结果是相同的。

对于我们来说,我们注意到我们的1万美元免税RRSP提款额超过了我们可提取的实际现金额。例如,在流浪者中’在RRSP帐户中,他只有8000美元的现金。但是我们只提取了不到1万美元,那间房间本来就被浪费掉了。因此,我们决定也撤回一些资产。 CRA(和IRS)规则允许您提取现金或实物资产,这意味着您不必’提款前不需要出售它们。所以我们选择了价值2000美元的资产’请注意不要在我们避税的帐户(在这种情况下,其股票代码为CPD的加拿大优先股ETF)之外。

We then transferred that $8000 of cash and $2000 of CPD out. In Canada, when 您 transfer out $10k from 您r RRSP (whether it’s cash or ETFs), 您 get hit with a 20% withholding tax. Americans can elect to get out of this withholding tax, but we’re stuck with it. Fortunately, this tax is only temporary because while the tax gets imposed on withdrawal, if 您 have no other 收入 您 can report it on 您r tax return in April and get that money refunded back.

以便’发生了什么。我们进行了转帐,部分款项被扣留了,我们’现在,我们希望下次我们提交纳税申报表时能够将钱退还给我们。

接下来,我们对FIRECracker进行了相同的操作’配偶的RRSP。在意识到我们要从RRSP中提取的金额超过了其中所包含的现金金额之后,我们提名了一定数量的ETF。’请注意使用非税收优惠帐户。巧合的是,我们再次选择了CPD。

准备好$ 10,000美元后,我们进行了提款。

最后但并非最不重要的是,我们的每个TFSA中都积累了一些现金(约700美元)’s. Canadian TFSA’类似于Roth IRA’因为它们包含的税后资金不’t get taxed on further investment gains. And those accounts work equally well for Buy/Sell swaps to move the cash into an account 您 can actually spend. 那 ’就是我们所做的,如下所示。

最后,有了我们需要从递延税款账户中提取的所有资金,现在是时候进行最后一次提取了。

There 您 have it. Our first portfolio withdrawal. Most of it I got in in cash, and some of it I’ll have to expect back at tax time, but that is how 您 pull of an early-retirement portfolio withdrawal.

Let us hear it in the comments. Does this work for 您?


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110个想法“如何在退休时退出投资组合”

  1. This is EXACTLY what I was wondering about. Thank 您, thank 您, thank 您.

    当然啦’太复杂了,我’我将不得不反复阅读以将其包裹住,但是我’m so glad 您 and FC are here to walk us through the wilderness.

    是“regular 1” and “regular 2”个人投资账户?如果是这样,为什么在先进行RRSP和TFSA之后又先让他们一个人呆着呢?

    And if someone has a corporation, do 您 recommend taking money out of the corp before RRSP/TFSA?

    基本上我’m寻找一种算法,最先提取帐户。您’ve explained how to take the money out tax-free, which is hells bells awesome, so I wonder if 您 can help me with the other piece.

    再次感谢您提供这个节日礼物!你们两个最好。可不是闹着玩的。
    梅丽莎
    附言您应该尝试将其添加到《 Physician on Fire》中’的缩编策略博客环。你的帖子正是我,而我’确保其他人正在寻找。 //www.physicianonfire.com/drawdown/

    1. 梅利莎,
      Did 您 find out why “… this money isn’t classified as 收入 通过 the government..”?

      我相信这是在上下文中写的,在未注册帐户中,提款将主要是“Return of Capital” for example out of 10,000 $ withdrawal, say 7000 $ will be the 资本回报 和only remaining 3,000 $ will be reported as taxable 收入 (these are just some numbers I have used as example, they are not actual numbers). While 100 % of the 10,000 $ withdrawal from RRSP will be reported as taxable 收入. Later will reduce OAS and GIS.

      This is why as 流浪者 mentioned, if 您 are FIRE stage, better to deplete RRSP first and post 65+ age, better to deplete unregistered account first.

      Please share 您r thoughts/discoveries if any.

  2. 谢谢 for walking us through this. I will have to do more research on the 购买/sell swop approach. To confirm, nothing transfers between the accounts 您r are doing the 购买/sells, 您’只是在每个没有互相动用的资金的情况下,在彼此抵消的每个帐户中执行交易?保持信息到来!!!谢谢!

    1. 我觉得’s being implied here is that if 您 use limit orders, 您 may end up being both the 购买er and the 卖er in the transaction… effectively, 您’re 卖ing equities to 您rself, but in a different account. Correct me if I’m wrong.

  3. Excellent 文章, 您r diagrams are great and make fairly complicated processes easy to follow. Keep up the great work!!!

    目前,我妻子(收入$ 50)拥有TFSA,而我(收入$ 88k)具有RRSP,’t in a position where we can max out either of them. Would 您 ever recommend a spousal RRSP in this situation or would it only make sense after mine was maxed?

  4. 我有个问题。 100,000的收益,全部都在避税中吗?您有多少比例的投资用于避税?我以为定期投资会有一些收益,这不要求您缴纳资本利得税吗?我们的提前退休资金主要来自租赁物业,但我们也有避税投资,我们会尽可能地退出并进入tfsa。 (正如我们过去靠现金垫支的日子一样)我们一直在想出售一个物业(因为价值已经令人难以置信地上升)以使我们的投资组合多样化,但是想知道是否值得,首先支付资本利得税,以及如何以最佳方式将收益投资以减少税收?

  5. So there are no early withdrawal penalties for Canadian retirement accounts? 那 would be great if Americans had that without using the rule of 72t.

    1. The penalty is that 您 pay 收入 tax on whatever u take out If 您 are above the approximately 11,500 personal exemption limit.

  6. 另一个很棒的帖子,流浪者。真的很欣赏这些简单,指导性的“How-to”帖子。太多的博客专注于社交,理论和“accumulation” phases of FIRE – 您r post is the type of essential, practical information we need to be able to close the loop and properly go about enjoying the fruits of those disciplined years of saving and investing.
    Love what 您 guys are about and what 您 are doing for the FIRE community!

  7. Thank 您 for letting us readers see behind the curtain of 您r own accounts in such detail!

    I’我很好奇将CPD保留在RRSP中。有人说,由于税收优惠政策,将其保留在现金帐户中。我猜’s still better in the RRSP assuming 您 can withdraw it tax free as 您’ve done here?

  8. 你好,
    Great 文章. What if 您 need to withdraw much more than the tax exemption? In our case, our expenses are around 60K-70K a year (in Toronto), hopefully a little lower when we retire …我仍在尝试从RRSP,TFSA和应纳税款中提款。

  9. 这是一个我从未想到过的很棒的概念。

    I would like mention to 您r reader that they will incur a 购买/sell charge, a small fee for the exchange.
    In addition set the 购买/sell price a little bit higher than market, else 您 risk the order being fulfill 通过 other.

    1. 意识到这一点在我们的主机上可能并不受欢迎,但是减轻某些税收负担的​​一种可能方法可能是通过杠杆,尽管它可以 ’s important to be careful with how 您 structure this. In Canada, interest on loans taken to 购买 investments is tax deductible. Depending on the exact numbers involved, 您 can take out an investment loan to 购买 dividend yielding investments (eg: preferred shares) and then use the interest 您’重新偿还贷款,以抵消您为股息支付的税款和可能的税款’重新支付提款。

      Part of the benefit here is, in my understanding, that 您 get to deduct the interest expense at the full marginal rate, but the dividends are taxed at a lower rate.

      http://www.taxtips.ca/personaltax/investing/interestexpense.htm

  10. 嘿,流浪者,

    这是我的事’一直想问过去几篇文章,但我一直忘记这样做=)实际的ETF是什么’s that 您 and Firecracker have in 您r main portfolio? I know some of them differ from the investment workshop ETF’s and I would like to know if 您 don’t mind sharing?

  11. Wondering if this would work if 您r TFSA and RRSP are with different banks? I’m assuming its a market order so it would get fulfilled anyways just with 购买/sell fees.

  12. 天哪,我爱你们。我已经考虑了一段时间,特别是在我的税收优惠帐户中收到的股息(我’米美国人)。由于必须将股息再投资,因此我基本上会按照上面的详细说明进行操作:在无法访问的帐户中“购买”股票,然后在应税账户中出售完全相同的金额,进行净零交易,使我可以访问那钱!非常感谢您这么清楚地详细介绍了这一点。我喜欢图表。它使超级简单。并感谢您这么彻底!我认为你们都已经成为我的第一大投资资源(对不起,JLCollinsNH)!轰动非常感谢。

  13. “If 您 do this correctly, 您r 购买/sell orders will match up on the stock market,….”

    How do 您 actually do that part? Do 您 submit both 卖 and 购买 orders as close together as possible and hope for the best?
    I think 您 mentioned that 您 are still with Garth & Co at Raymond James. 是they doing this for 您 or is this something 您 do on 您r own?

  14. This is very smart, especially the idea of 卖ing one stock at market value and 购买ing the same one immediately in another account to maintain desired proportions and get the cash where 您 want it. I’d从来没有那样想过。

    I assume 您 then top up the freed up contribution room in the TFSAs 通过 making a contribution from 您r regular taxable accounts? Oh wait, I see now, the same 购买/sell swap works to avoid taxation while not having a second step to top up the TFSA. Smart.

  15. The 购买/sell swaps do not have to be the same security (ETF) – 您 might want to use the position change to rebalance if that is important/relevant.

    的原因–买/卖在独立账户中’t ‘talk’彼此。真正发生的一切是,您正在使用以下命令更改系列帐户中现金头寸的位置‘buy’您要减少现金流入的帐户中(现金金额值的)和‘sell’(以相同的现金金额值)要增加现金头寸的帐户中–在给定帐户中,您为此使用的哪种车辆(安全性)无关紧要,时间也不重要– it’唯一的好处就是您将所有东西都放在苹果或橘子中,而不是混合在一起。

    Also 您 should perhaps place greater emphasis on 您r transfers out of the registered accounts (RRSPs) being tax-free ONLY due the fact 您r are in a 没有税 bracket situation due to 您 not having any other 收入 (in 您r example) and 您r personal exemption covers off the transfer amount.
    This transfer becomes taxable (albeit at a perhaps lower rate) if there is other taxable 收入 (eg. 您r blog 收入, dividend or interest 收入 from non-registered accounted (regular #1 and #2) in 您r example) being generated during the year . For older retiree where there is CPP/OAS 收入 or other real pension 收入 this transfer is most definitely NOT tax free –虽然可能是低税。

  16. Although the rules vary province-by-province, the LIRA can be unlocked if 您 leave 您r domiciled province for a period of 2 years.

    1. 绝大多数加拿大人应该很久很久才真正考虑这样做。你知道要花多长时间‘melt’RRSP / RRIF,尤其是一旦您加入CPP’有效地撞上更高的税级?抱歉,不要’t agree that “you’立即对收益重新征税” – eligible dividend earnings would remain negative to negligable unless 您 were making far, far more than 流浪者. Capital gains, sure, when they’re realized…but hey, use some of them to make 您r donation to charity and…!问题解决了。

      Wait too long to 熔化 您r RRSP/RRIF on the other hand, and 您 won’剩下足够的时间来分散提款额,从而仍然处于低于收入年的税率范围内(不要介意流浪者’s bracket 🙂 )。 Plus 您r heirs will hate 您 as they see 54% of their inheritance evaporate with 您r final tax bill (everyone carps about estate taxes, but at least in Ontario, that’仅在RRSP已被最终税收申报表掩盖之后,才是最后的空拳打脸的侮辱)。

  17. 您 guys are so clever .. bravo

    我不’t bother with RRSP’s … we have 2 TFSA’s …主要是ETF股票。
    I reinvest the dividends 和max out every year .. its a gift .. up 16 % this year

    我在ETF的非注册帐户’s,我只是退出并依靠红利生活…
    今年也增长了10万

    and i have a cash reserve for 购买ing low or living on etc.

    并研究目前英国部分地区的廉价房地产价格。和生活费用。 .food基本上比昂贵的BC便宜50%,且有很多选择

    我可能会回到英国..也逃避即将发生的地震..

  18. Very well presented as others have said! I guess since 您 are doing the 卖 in a Tax Deferred account and then the 购买 in a taxable account the these do not risk being flagged 通过 systems as 清洗贸易s?

    正如其他人也评论过的那样,我确实很惊讶您在RRSP帐户中持有CPD吗?我正在尝试制定自己的策略,我的想法是将我的优先股ETF和CND股票持有在我的应税账户中以进行股息处理,然后在RRSP中主要持有US / INT股票ETF和债券。我的投资组合大约有70%的RRSP / TFSA和30%的应税投资帐户,由于我的年龄比您大一些,您可能是应税帐户。这样,我在应纳税帐户中产生的所有现金就是加拿大股息,而美国/国际/债券债券的股息和利息都在RRSP中,而溢出在TFSA中。

    Would be interested to hear 您r allocation of investment types across all accounts to make things tax efficient. Another question is won’t think strategy be hard to do every year as it will make balancing 您r allocation harder?

  19. How come 您 needed to withdraw because of using the cash cushion on the investment workshop? Didn’t 您 just withdraw all those funds out back into 您r cash cushion at the end?

  20. Just love 您 guys!! Wish 您 were around 20 years ago. I am laughing at this comment…..

    …… 另一方面?一世’在我担任美国总统期间,我赚了很多钱。仅今年我’ve made over $100k. 那 ’s…confusing.

    是的,这个家伙“Our US President”对每个看着他的人都是个白痴,但作为一个赚了上百万美元的商人,他将自己与最优秀的人包围在一起,以使事情做好,并要求其中最好的人。他是70岁以上的工作狂。我要让他的成就对我说话,因为行动要比批评家的话响亮。

    美国指数基金今年上涨了24%。道琼斯指数今年上涨了5000点。这一切都是基于消费者的信心。现在,他即将签署自1986年以来最大的减税计划,公司已经在发放奖金并计划在美国投资。在美国,有些人很高兴白宫里有一位非政治人物,他们相信,能有效地运作事情的商人可以帮助该国,甚至可以消灭沼泽。

    我认为他在电视前和Twitter上时是个白痴,但我对他的业务管理和寻找合适人选担任合适职位的能力充满信心,以帮助推动他的想法使美国再次变得伟大因此,我愿意让特朗普成为特朗普。

    我今年也增长了100k以上,并期待在2018年获得更多收益。再次感谢您为FI负责!

    1. The 王牌 tax cut, without cutting expenses, is estimated to increase the deficit to $1.4 trillion over 10 years: http://www.cnn.com/2017/11/27/politics/cbo-score-senate-tax/index.html

      特朗普总统将造成的环境破坏的真实记录,包括提议拍卖墨西哥湾的石油和天然气租赁,估计将释放“释放到大气中的二氧化碳为280亿吨,是2016年美国总碳足迹的“ *五倍”以上 ”: //news.nationalgeographic.com/2017/03/how-trump-is-changing-science-environment/

      王牌’对教育的攻击包括使其在经济上无法继续读研究生(http://time.com/5032079/gop-tax-plan-graduate-students-waiver/)

      大多数人不’自己的股票,本公司除外。 2016年,只有52%的美国成年人拥有任何股票,而最富有的1%的成年人拥有2013年所有股票的38%(//www.npr.org/2017/03/01/517975766/while-trump-touts-stock-market-many-americans-left-out-of-the-conversation)。

      Warren Buffet, among others, credits the U.S. itself for the stock market rally, not 王牌 (http://www.smh.com.au/business/markets/its-not-you-its-america-buffett-tells-trump-after-sharemarket-rally-20170627-gwzzin.html)。自2009年以来,股票市场一直在上涨。

      减税,石油钻探,对学生的袭击–所有短期收益都会导致地球枯竭,贫困,未受教育的公民,而只有富人才能变得更富裕。数学该死。

      1. 观察者, You make all good points if 您 have a different point of view on making America Great Again. With all the links 您 really want to get 您r point of view out there. Great Job!!

  21. I would hardly call 王牌 an idiot or say that he doesn’t know he’s doing.

    几十年来,他在多个行业的成功表明他具有很高的智能水平。这些行业包括真人秀电视,建筑,房地产,赌场等。

    His economic plan is quite cogent. Indeed, 您 are benefiting from very sound 玛加nomics.

    The cognitive dissonance 您’对特朗普的重新体验是左派媒体对他的造假印象,这与好莱坞,音乐界,政治机构和其他精英人士密不可分。

    Much like 您 guys have rebelled against the system 通过 quitting 您r 9-5 jobs and gotten negative heat from it, 王牌 is rebelling against the globalists, the elites, the establishment.

    1. 我只是好奇他在多个行业中取得成功的任何例子。从我读到的所有内容来看,他已经使他所碰到的一切都破产了,但是破产后却保留了某些资产,这使他受益,但却损害了公司和工人。我住在新泽西州。因此,我听说这就是在大西洋城,新泽西州和其他地方发生的情况。

  22. 我不得不再考虑一下,但是乍一看,这看起来像是一个很棒的策略。我刚刚于今年秋天退休,并计划仅靠分红过活。我将在我的所有帐户(包括RRSP)中收到大量的股息’s和我的LIRA。我以为我需要将LIRA转换为LRIF(我为57岁)才能访问现金(因为您无法从LIRA提取现金),但是您的策略可能使我避免这样做。这是巨大的!我可以简单地在RRSP中出售资产,然后在LIRA中购买资产,然后从RRSP中提取现金。我不’不知道为什么我从没想到过,但是你们睁开了我的眼睛!!这是一种更加灵活的方法,因为我不必担心LIRA中的最小或最大提现额。这确实意味着LIRA会积累股票(因为我是从RRSP中出售股票的),但是当我最终转换为LRIF时,我可以选择解锁LIRA的50%,因此在那之后我仍然会有一定的灵活性。时间。你真的给了我一些思考…。非常感谢你做的这些!!

  23. 像往常一样不错的帖子最喜欢的FIRE Couple!
    Simple and effective way to get all 您r $35k of accumulated dividends / 屈服护盾 out of their respective accounts into 您r regular taxable account. Now, all we in the US need is for our friends at Financal 山姆urai and Oblivious Investor to convert this to 401(k), Roth IRA, IRA, and US tax laws (preferably post recent changes). Not greedy am I? Best of wishes to all readers for the upcoming holidays. Enjoy 您r FIRE while 您 can!

  24. 嗨伙计,
    I love, love, love 您r posts!!
    I understand the concept and a very smart idea I must say but have a hard time understanding what 您 mean 通过 您r taxable 收入 drops to zero? You’re info doesn’t表示您是否在庇护账户TFSA,RRSP等之外有任何投资。我认为您的投资组合规模很大。因此不会’您是否从非避难所帐户中征收资本收益税?跟我一样好奇’我准备在接下来的6个月内成为FI,并需要我所能获得的所有帮助。非常感谢您发布的所有精彩帖子。能够’等不及阅读您的下一篇旅行文章!祝一切顺利!

  25. Great post! Wondering since 您 mentioned the reason for the withdrawal is because 您r 3 year cash cushion is depleted and 您’re only pulling out 35k or 1 year of living expenses then do 您 plan to forego the cash cushion and just make annual 35k withdrawals? I’m curious because I thought 您r original withdrawal strategy of the 3 buckets was great idea.

  26. 您复杂而美妙的策略归结为“take money from taxable accounts, then rebalance to the proper asset allocation in 您r tax deferred accounts.”只要应税帐户一直有效,此方法就起作用。

    Have 您 thought ahead to when the taxable accounts are depleted? How do Canadians withdraw from the RRSP, et. al. before government defined retirement age? Mad Fientist has done a great comparison of Roth conversions, 72(t) withdrawals, and the like for us Yanks. A companion piece for the great white north would be valuable.

  27. 谈论ing of withdrawing …

    我从一个RBC DI帐户开始。 .it有我的TFSA’s and non – reg account

    and thanks to 您 i opened a Questrade account this year

    我喜欢其中的自由交易,因此现在讨厌RBC帐户中的10美元交易费

    在此阶段,有什么方法可以将我所有的RBC帐户转移到Questrade?

    多谢

  28. Again an excellent post! I have one question regarding the 收入 of $35K generated. If 您r portfolio is 60/40 split between stocks and bonds, then is the $35K 收入 generated on the bonds portion only? 是您 also picking stocks that return dividends as well? What’s产生股息的股票(增长速度较低)与不增长的股票(例如科技股)之间的权衡’不能带来红利,但希望以更快的速度升值?一世’m working towards FI and trying to understand the 收入 generating strategies. 谢谢 again for sharing step 通过 step guides and answering follow-up questions in detail. Happy Holidays!

  29. 博客和指数基金社区已经打破了投资壁垒,但确实很难理解如何以节税的方式在提早退休时提取资金。这非常重要,因为刚刚退休的一位朋友告诉我,她因从RRSP提税而被杀。感谢这篇文章!我希望看到更多这样的东西!

  30. 王牌’s policies haven’t kicked in yet. You’由于奥巴马时代的政策,人们可以赚钱并从良好的经济中受益。

  31. I must be missing something. :-). Why are the swaps necessary? Aren’t 您 using the accumulated cash to 购买 securities in an account that 您 can’t withdraw from? And aren’t 您 卖ing securities in an account that 您 want to withdraw from? I don’t see why these two transactions need to use the same security. Isn’t this scenario tax free because of the dollar amount 您 are withdrawing from 您r RSP (i.e. <$10K)?

    救命!

  32. 去年我处于类似情况,我没有完全使用个人扣除额,而是选择将RRSP留在那儿,主要是因为我没有’不需要钱,这样就可以继续免税。一世’m curious if 您 ran the numbers at all? My back of the envelope says at 7%, 10k after 25 years would be 55k, and outside the RRSP 您’d have ~22.5k of capgains to pay tax on, vs 5.5 years of slowly drawing down 您r RRSP tax free (or 55k of 收入 to pay tax on in one year).

    Now, the problem is 您 obviously can’t just draw 10k a year from 您r RRSP, especially if 您’ve just been letting it grow for 25 years and only have maybe 30 years life expectancy left, so then 您’ll have to pay some 收入 tax.

    由于我只有几千个房间,并且有一些情况和论据可以表明这两种情况都是有益的,所以我不理会它,但很好奇是否有人(您?)曾经对哪些情况进行过计算?这将是明智的选择。

    1. 流浪者概述的策略的真正亮点在于他’s现在有$ 10,000的房间/年,因为他没有其他人了‘income’吃那个房间。对于大多数加拿大人来说,如果您让它在RRSP中使用太久,那么所有提款都达到最低20%的税率,因为其他‘income’诸如CPP / OAS,DBP付款等收入大约在65岁(如果您延迟,则为67)开始,吃光了$ 10,000的房间。因此,当这种情况发生时,您突然从‘no tax’ scenario to a ‘资本增值税率提高一倍’相同的$ 10,000提款方案。加拿大的税收使甲板上的东西堆积如山‘income’收益,即使Wanderer重新投资了自己的现金帐户(而不是依靠提款来生活),它仍然有效…as long as he didn’不能全部投资于债券-。

  33. 感谢您的信息流浪者。一世’我是30年代初期在FIRE早期的加拿大同胞。我和一个朋友最近正在研究预扣税,并且很难从CRA中获得澄清。要澄清的是20%的预扣税,这是’除正常税款外,我们将在提取时以我们的税率支付,对吗?这是政府’t holding an amount back to ensure we do pay them whatever tax rate is appropriate for our annual 收入 at withdrawal – which, we’所有的打算都将远低于20%,我们将在纳税时间回来。

    因此,对于在RRSP中持有ETF并希望在我们60岁之前提款的任何人,我们这样做的唯一成本就是Questrade收取的费用以及提款时的税率?

    很抱歉,如果这是显而易见的或打算假定–在我的阶段,如果预扣税是额外的,或者我还有其他费用,这将对我的目标净资产产生重大影响’m just not aware of.

    谢谢 again for 您r insights.

    麦克风

  34. Sorry to comment on an old post but question on withdrawing.. So 您 withdrew 您r full year of living expenses ($35k) at one time (through a series of purchases/sells). My question would be is that going to be the best option for withdrawals or would it be better to withdraw smaller sums every month or quarter? (lump sum withdrawals vs dollar cost averaging withdrawal??)

  35. I love 您r blog! Thank 您 for all the great information.

    我真的很喜欢这篇文章。我们很多的避风港’之所以努力,是因为我们’还没到,所以’拥有本指南确实很有帮助。

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