 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况8 q/ M: L# }7 `+ P7 c( T
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假设赚 100%，存入取出税率一样32%0 u6 i3 ], `6 p/ ]+ o" u6 ?
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| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw" `" b r' l( r6 u2 n
| 14704 | 10000 | | Tax 32% | 4704 | 0 | $ H# _$ t$ ^* R
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| | 10000 | 10000 |
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但是， 如果同样赚5000就有差别" g+ s! S9 d3 n% y4 r/ {8 F
: o$ D; a1 c( r$ } | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win3 t1 Z4 w/ _: k& T' g: [
$5000 | 12352 | 10000 | Withdraw
8 y. M" R- n( n' \1 ]5 Y3 f5 S r | 12352 | 10000 | | Tax 32% | 3953 | 0 |
4 D7 X' L& [6 ] 9 I0 |: a# `( {# }
| 8399 | 10000 |
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* ]9 w$ J: @% Q2 `1 t但将来退休时税率低
" R0 l# F ]$ @) g: h; Z | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw! g" B/ Y( \/ H$ [
| 14704 | 10000 | | Tax 25% | 3676 | 0 | & q5 l, b! N( R! ^
5 y. J% ], r# Q | | 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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