 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%
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, l/ ]5 C0 N. w1 B( b% Y | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw. y) f# ?$ H' \9 e7 W
| 14704 | 10000 | | Tax 32% | 4704 | 0 | 5 B! R9 [+ S r; ]( t" v. O
" G$ p$ p G4 A3 G6 f. n | | 10000 | 10000 |
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但是， 如果同样赚5000就有差别! w4 P) m$ K/ X; e) r G# Q
9 Y5 X9 W$ [# G/ l5 b: L, z | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win; }4 ?' o8 D$ F. W w; H4 N% d
$5000 | 12352 | 10000 | Withdraw
* o B9 P9 A+ H | 12352 | 10000 | | Tax 32% | 3953 | 0 | 3 F: m# p- V9 Q% N! Y
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| 8399 | 10000 |
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. ^; ~; r9 E5 F8 f/ r" z/ m$ c+ V但将来退休时税率低
6 G# a; G4 h# v' \; h- F/ [ | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw6 z$ R% n! I- z& A5 E/ ?
| 14704 | 10000 | | Tax 25% | 3676 | 0 | * K# Q# S6 @; I* M6 {: J
& O" [. ^# g' U3 s4 K3 j | | 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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