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差别不大, 要看什么情况
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1 Q& _. i% ]1 E假设赚 100%,存入取出税率一样32%" t2 D# m% y1 L' @ w. o3 L
" H; G+ s% d* X% C: Q# Q | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
. T q: u$ }0 s2 \+ C/ F, w | 14704 | 10000 | | Tax 32% | 4704 | 0 |
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| | 10000 | 10000 | 5 U: ]' I# j0 N/ G) W2 `' Z
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但是, 如果同样赚5000就有差别
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| RRSP | TFSA | 税前投入 | 7352 | 7352 | Tax 32% | | 2352 | Account value | 7352 | 5000 | Win( \1 A# f2 Q% J4 Z
$5000 | 12352 | 10000 | Withdraw
2 m8 A% k7 I0 p0 r" V4 m) D | 12352 | 10000 | Tax 32% | 3953 | 0 | # g2 K* O# O, ]- M- \
. V2 \$ M6 [# S& t' d# }) K5 { | 8399 | 10000 |
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7 C z: L- u$ i1 U" @8 M$ O2 E. F, a但将来退休时税率低
+ _9 v) X0 ` [! p; ~$ @5 `: R1 q! v | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
$ Y3 O$ U1 S+ h( r* ~4 W% z | 14704 | 10000 | | Tax 25% | 3676 | 0 |
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/ ~% P+ H0 e* r1 }: g | | 11028 | 10000 | 8 c( B; Y6 ]1 x% D# a
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各有利弊 |
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