 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况6 {' y; ?/ S: Z' v
6 {) _+ u& T i2 g8 D& U9 u4 U假设赚 100%，存入取出税率一样32%4 l8 m" w( v# y. l0 V0 n5 {
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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- b( T+ s. B4 a' J( R | 14704 | 10000 | | Tax 32% | 4704 | 0 |
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| | 10000 | 10000 |
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但是， 如果同样赚5000就有差别+ V+ ]6 f4 R6 @- W N1 S
. G. k; I, U8 w9 e9 W | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win
* l L, U$ q& I `+ o$5000 | 12352 | 10000 | Withdraw
% c" u$ m+ b! P2 v3 s6 q- o | 12352 | 10000 | | Tax 32% | 3953 | 0 | L, |$ c4 _/ i; ? h
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| 8399 | 10000 |
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j( n* C: S( Y- j但将来退休时税率低7 ?* F/ J. B( a4 [, f. g
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw( R8 s1 T4 N9 p7 G7 H
| 14704 | 10000 | | Tax 25% | 3676 | 0 | ( ^, S; {1 x; H' ~7 v4 k' U2 j$ W
( |/ Y3 n. s' g7 h | | 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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