 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况
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( D, O8 K! B* G$ \' o. p; l假设赚 100%，存入取出税率一样32% f& N6 u( U% p. N5 z
P ?; l: w( `' }. N, p/ y | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw' ~* }! z2 z' [; _" v k1 [
| 14704 | 10000 | | Tax 32% | 4704 | 0 | 9 @, e( B8 A& B1 Z* W% e1 O; P
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| | 10000 | 10000 |
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& R* y( }; K3 H$ a- U但是， 如果同样赚5000就有差别
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| RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win
4 ~- i6 U1 {. b0 R4 E$5000 | 12352 | 10000 | Withdraw
. A l+ D# E# ?. r | 12352 | 10000 | | Tax 32% | 3953 | 0 |
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9 G. o) L% h$ D# G2 ~, U# v | 8399 | 10000 |
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但将来退休时税率低
' S: W: C0 B+ X+ j | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw* Z5 s% ^: i z
| 14704 | 10000 | | Tax 25% | 3676 | 0 | * B2 V1 c1 N' ]# j+ G
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| | 11028 | 10000 |
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各有利弊 |
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狗仔卡
发表于 2009-4-29 14:30
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