 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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| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw0 ^& P& _( [) ]
| 14704 | 10000 | | Tax 32% | 4704 | 0 | 5 N( e2 e ]( @/ h& {# D0 c5 `
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| | 10000 | 10000 |
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但是， 如果同样赚5000就有差别$ \5 Q" k6 L, e' c6 B- {# v
) Y7 U0 U+ H. R3 y" t | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win
/ `& o( |8 d! M8 W4 r. ?$5000 | 12352 | 10000 | Withdraw
, p. Z7 D( y. U | 12352 | 10000 | | Tax 32% | 3953 | 0 |
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* e- p7 n# L% Q$ o0 h7 f | 8399 | 10000 |
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但将来退休时税率低+ W; l' P, J1 D( e$ b! k
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw$ Q4 u- z2 A$ g1 O( u
| 14704 | 10000 | | Tax 25% | 3676 | 0 | + @; N+ o$ x2 A3 v0 ?% g
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| | 11028 | 10000 |
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各有利弊 |
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狗仔卡
发表于 2009-4-29 14:30
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