 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况- \* C. H6 k$ k8 c* D1 d0 l
" M- }: Z$ p' t. W1 v1 l$ N% O假设赚 100%，存入取出税率一样32%- H- D- x1 G/ ^. U; a
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| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw0 K2 G/ l! w% U! ~& X0 ~. V
| 14704 | 10000 | | Tax 32% | 4704 | 0 | + u$ N6 p2 z) f% f( L* i8 H
5 R2 P2 g% u' Y `1 D8 M s8 d | | 10000 | 10000 |
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; Q, `0 [. o0 Y' d) B7 L+ R1 X但是， 如果同样赚5000就有差别4 ~1 G" _2 Y1 d8 n
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| RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win
$ [$ i; c. t+ E. e! |$5000 | 12352 | 10000 | Withdraw: V, t% {* P; y) P# l* ?+ `
| 12352 | 10000 | | Tax 32% | 3953 | 0 |
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, U( A! z5 I. g/ ` | 8399 | 10000 |
2 ^; `# u% {& d" |6 r
U6 E# V& ?3 u `0 n2 x. A9 I但将来退休时税率低
. g8 k$ V& N1 a0 y | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
# P7 b& M5 {, D( ? | 14704 | 10000 | | Tax 25% | 3676 | 0 |
+ a x/ {- C: O; B$ ~9 \
7 D6 d+ Z6 ?" M' W: d" O$ f | | 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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