 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况4 }* f2 g- e" i* n" g1 w0 N
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假设赚 100%，存入取出税率一样32%
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( B' q7 v# x8 p | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
) W3 d$ B2 w5 R) w6 B% z" d6 U ~ | 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
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7 k2 H5 S+ D6 F; Q; E5 y | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win
' E/ T4 o/ S2 j- z; s- @1 n6 t$5000 | 12352 | 10000 | Withdraw
9 D- `8 M* M: U | 12352 | 10000 | | Tax 32% | 3953 | 0 |
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| 8399 | 10000 |
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但将来退休时税率低
9 F% j' ?( ?& K; P' R | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw0 F( a0 X- }( f+ w) \" _
| 14704 | 10000 | | Tax 25% | 3676 | 0 | , F" _ s4 ^% P- k. b# f
5 W! t* p6 {; D/ E | | 11028 | 10000 |
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3 W& ^4 H/ L( B各有利弊 |
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发表于 2009-4-29 14:30
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