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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7 {1 L) \# e3 F | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
. x+ ?2 ^) N9 d4 E | 14704 | 10000 | | Tax 32% | 4704 | 0 | ; `$ m. ^: a& S0 o% m1 d
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| | 10000 | 10000 |
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但是, 如果同样赚5000就有差别9 F7 }& k5 \* [8 L; V# u' L8 J
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| RRSP | TFSA | 税前投入 | 7352 | 7352 | Tax 32% | | 2352 | Account value | 7352 | 5000 | Win
$ ~7 }2 c- h/ d' q: t2 l, ^8 O% j$5000 | 12352 | 10000 | Withdraw0 t0 t. R8 S8 K9 P; k8 p
| 12352 | 10000 | Tax 32% | 3953 | 0 |
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, J- b; I9 N% y6 j3 j | 8399 | 10000 | 3 k( D: A0 C% C. ~
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但将来退休时税率低
# E- j% m8 [1 T3 u6 Y | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw6 e6 L; c8 E( l/ n- y7 Q
| 14704 | 10000 | | Tax 25% | 3676 | 0 | 2 t& W3 S2 \6 R+ Z+ z
, | x, x! N2 S: R: O | | 11028 | 10000 |
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% X+ G: u c* M4 B: t: u8 ?1 _各有利弊 |
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