 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况1 n0 G; t: R3 \1 G% Y t# S$ G
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假设赚 100%,存入取出税率一样32%8 n8 r* J {& A2 s* B: R
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| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw8 R0 w9 |; e8 u# n
| 14704 | 10000 | | Tax 32% | 4704 | 0 |
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2 ^6 G4 x K Y; l$ A9 ^ o | | 10000 | 10000 |
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' z" N0 s. ?- H2 r+ c) H但是, 如果同样赚5000就有差别6 ^" _ }4 [5 b% f0 x
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| RRSP | TFSA | 税前投入 | 7352 | 7352 | Tax 32% | | 2352 | Account value | 7352 | 5000 | Win
0 c5 j& a$ M3 u$ H! ?8 E$5000 | 12352 | 10000 | Withdraw
8 r7 }- R6 l" f6 L3 _ | 12352 | 10000 | Tax 32% | 3953 | 0 |
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| 8399 | 10000 | 8 U5 [: |# b* }
3 c% z R1 Q7 Y/ |# o1 v4 y但将来退休时税率低1 j9 y+ x9 t4 L4 c2 i
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw& A- p) r; q+ ?; d1 n$ k. y4 B
| 14704 | 10000 | | Tax 25% | 3676 | 0 |
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8 @5 i! r, a" E( X9 V _. ] | | 11028 | 10000 | ( n V& N: Z' S5 F9 l
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各有利弊 |
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