 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况
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7 a5 u( V: _" x2 Y3 m# i# i7 ^假设赚 100%，存入取出税率一样32%
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& s# T8 B1 k+ l; E& E | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
& Z5 s( h2 o9 r# @* U | 14704 | 10000 | | Tax 32% | 4704 | 0 |
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; q9 Z8 E7 D* C9 @* L* }* I | | 10000 | 10000 |
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% q" z5 w9 v3 A. w但是， 如果同样赚5000就有差别- z5 o2 j3 v2 x! h
6 N0 \4 A8 I G& o | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win
& h0 }8 ?" ^; V1 {/ T$5000 | 12352 | 10000 | Withdraw2 _. J' T& H* a
| 12352 | 10000 | | Tax 32% | 3953 | 0 | 5 U; }! M. h9 l# m" ^6 Y
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| 8399 | 10000 |
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但将来退休时税率低
/ w" @) S' d7 b- q0 }" ]2 v! _ | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw. D5 t0 V2 p+ @$ x9 o3 t; p6 h
| 14704 | 10000 | | Tax 25% | 3676 | 0 |
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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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