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差别不大, 要看什么情况
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# Q& ]+ _) E; Z9 _! [3 m假设赚 100%，存入取出税率一样32%" e/ {8 y6 @7 o
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| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
7 }( P: b: x6 v5 H1 A | 14704 | 10000 | | Tax 32% | 4704 | 0 | 0 b' K8 v) [3 R& L
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| | 10000 | 10000 |
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但是， 如果同样赚5000就有差别6 J$ b, g5 o8 b, i) ]5 j. G
# }+ _* |' ~8 w# v! m; T | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win
! k" e( h) J& U$5000 | 12352 | 10000 | Withdraw
) A X) u2 W" B3 O* C e/ L | 12352 | 10000 | | Tax 32% | 3953 | 0 |
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| 8399 | 10000 |
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但将来退休时税率低
7 u- @7 z& L/ u7 p | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
5 n [- e, Q+ l0 d! d. N | 14704 | 10000 | | Tax 25% | 3676 | 0 |
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. A l3 o% \; S9 g/ e- b | | 11028 | 10000 |
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$ X0 d% X( f* G. G各有利弊 |
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发表于 2009-4-29 14:30
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