 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况
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' l- D" A i; q* \$ c假设赚 100%，存入取出税率一样32%
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* I0 G Q5 Q& U7 Q/ O% Q8 w | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw' K6 G3 ^7 Y& \: N! ?& u
| 14704 | 10000 | | Tax 32% | 4704 | 0 |
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| | 10000 | 10000 |
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5 t8 B5 j. M( W但是， 如果同样赚5000就有差别# X3 z: {! E3 n9 `0 z/ ~; E: ?
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| RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win
/ D1 }, r; o9 y }: ]/ d" b$5000 | 12352 | 10000 | Withdraw
3 x5 L& y9 v; A8 H9 E | 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
* E1 K# s) [, F+ |( X* h/ V | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw& Y) w1 z& h% t3 w+ U* G8 `# p
| 14704 | 10000 | | Tax 25% | 3676 | 0 |
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5 t/ @, Y% d4 |! s | | 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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