 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况
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% X, j- o& b6 @: F2 I G+ A假设赚 100%，存入取出税率一样32%$ P$ D1 A9 h' d7 B; o2 J- w6 j
+ r8 _" _2 f1 Z8 M( e8 c: x6 t; l# S | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
% j" r7 f9 a! [2 n8 |! Y | 14704 | 10000 | | Tax 32% | 4704 | 0 |
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| | 10000 | 10000 |
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但是， 如果同样赚5000就有差别" h8 Z+ ~ ?& V- b$ L8 R
! W" z; L: R3 x8 `8 O | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win
9 C5 g# Y% c' H$5000 | 12352 | 10000 | Withdraw
* F5 Q2 h% R9 [7 m9 |, V9 a8 c | 12352 | 10000 | | Tax 32% | 3953 | 0 | ) A; v7 t8 a3 I M
" n: [% p/ h: P7 l$ C
| 8399 | 10000 |
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但将来退休时税率低; W8 Q) X0 Q: ^
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw3 z4 |* h6 K! Z6 N5 o+ [8 ^' ~5 z
| 14704 | 10000 | | Tax 25% | 3676 | 0 | , f# R( Y' K9 z2 }$ _
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| | 11028 | 10000 |
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各有利弊 |
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发表于 2009-4-29 14:30
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