 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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" k" C# `' @8 l. _& c: p" d. k | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw6 _% `$ D. w* M M# n. Q
| 14704 | 10000 | | Tax 32% | 4704 | 0 |
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| | 10000 | 10000 |
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) N7 b& @* f' M$ C但是， 如果同样赚5000就有差别- i+ w. _0 f+ }5 l( @6 A
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| RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win
, X$ ~0 j6 z5 i: W, H$5000 | 12352 | 10000 | Withdraw
3 d: ]3 M4 j8 @: i& D- Q | 12352 | 10000 | | Tax 32% | 3953 | 0 | ( ~" c8 ~: i" `8 g- j
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| 8399 | 10000 |
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但将来退休时税率低
/ ~2 h$ T I, p$ X; x4 S | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw. G' o/ B" V+ t7 ~* Y
| 14704 | 10000 | | Tax 25% | 3676 | 0 |
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' k' C& B& R' | | | 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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