 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况* w7 A4 \3 i) e& [- A: h
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假设赚 100%，存入取出税率一样32%
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- U9 w4 A; x. o. _& E0 Q | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw+ p& G3 \2 k5 T6 G3 K% _3 W
| 14704 | 10000 | | Tax 32% | 4704 | 0 | # k" |8 ], f% N0 `
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| | 10000 | 10000 |
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但是， 如果同样赚5000就有差别
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( a `3 M6 q0 ~" s! D1 i | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win
% N. c7 k& t% y4 W$5000 | 12352 | 10000 | Withdraw
" F5 i1 W5 J! a# n | 12352 | 10000 | | Tax 32% | 3953 | 0 | - S7 L7 n; y- `8 M1 V0 |
7 Y& d9 {( z9 T- R4 T+ K7 e! [ | 8399 | 10000 |
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但将来退休时税率低4 s Z$ p# a/ }0 @6 c
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw/ q- E {+ D& Y v3 x
| 14704 | 10000 | | Tax 25% | 3676 | 0 | ' V0 |; N9 X: M6 O, `) y3 k
. n8 D/ _: Y0 q7 H- o | | 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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