 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况+ e0 x5 O! q, o9 f: M7 j
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假设赚 100%，存入取出税率一样32%) u' G5 y) v3 ~. |" O
j- e( s( S6 B; B2 h0 P( Z& L! t | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw4 p+ I) E' a) z+ h) f# S
| 14704 | 10000 | | Tax 32% | 4704 | 0 |
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| | 10000 | 10000 |
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3 ~0 e' N# p! o5 l% V% g1 @但是， 如果同样赚5000就有差别
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3 H# g: R4 L1 t% |+ s | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win
% m0 x! i$ G8 j6 J$5000 | 12352 | 10000 | Withdraw" p- H3 V. j$ I) L# B. z+ V, v" O
| 12352 | 10000 | | Tax 32% | 3953 | 0 |
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| 8399 | 10000 |
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+ I; L# s+ c. f$ ?+ R! H但将来退休时税率低
Z+ }3 j- }1 x$ u: s+ I3 _ | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw! K, J/ s% I. j
| 14704 | 10000 | | Tax 25% | 3676 | 0 |
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: M5 `% l6 l" `- M | | 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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