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%/ e2 a' K9 R( Q+ P
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| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
5 T3 A7 [3 b1 u | 14704 | 10000 | | Tax 32% | 4704 | 0 | 9 b# S) R% D9 Q( Q/ i4 Z
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| | 10000 | 10000 |
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7 i+ _6 [0 Q* z# u! r但是, 如果同样赚5000就有差别' r0 S* J& c6 r) r# q( A1 K# b( k' n
7 S2 c. }; }3 u; N$ P | RRSP | TFSA | 税前投入 | 7352 | 7352 | Tax 32% | | 2352 | Account value | 7352 | 5000 | Win
; g# V+ d7 O; Y+ J$5000 | 12352 | 10000 | Withdraw8 R# p7 H, ~& L& E1 \
| 12352 | 10000 | Tax 32% | 3953 | 0 | " t: @) y" w0 K$ k+ u
0 l a: g2 Z, K5 k: s+ R8 S | 8399 | 10000 | 5 w" A: q, I: w, v% @3 {
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但将来退休时税率低, _% |: Q/ d% `- E
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
6 T4 S) }" L H: ^) t' C/ H | 14704 | 10000 | | Tax 25% | 3676 | 0 |
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| | 11028 | 10000 |
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各有利弊 |
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