 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况
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假设赚 100%，存入取出税率一样32%
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| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
* }& A. p, h5 G0 M; S9 h$ r | 14704 | 10000 | | Tax 32% | 4704 | 0 | # d: u9 ]8 ]. O# ~4 D
4 p5 S( h7 w [ j. ~; X# q | | 10000 | 10000 |
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但是， 如果同样赚5000就有差别7 s4 M8 v( T) b% g
. @% M0 J% q9 i B | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win
: _' X: T: j& Q1 J$ v, c1 n9 a$5000 | 12352 | 10000 | Withdraw
6 _6 I+ v7 g- p9 L- r | 12352 | 10000 | | Tax 32% | 3953 | 0 | % x; R$ m! n/ D$ L6 H/ c$ K7 s
& z- q5 m `* }+ @3 r | 8399 | 10000 |
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但将来退休时税率低* ~; k+ `3 r2 Q2 y7 R
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw, x8 O2 m3 C1 d+ {/ P
| 14704 | 10000 | | Tax 25% | 3676 | 0 | , s$ ?+ l+ \ ^5 l
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| | 11028 | 10000 |
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5 ~+ w+ D M/ Z, ?( b+ Q各有利弊 |
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狗仔卡
发表于 2009-4-29 14:30
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