 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%& ]: V9 L X7 N$ a( r$ p0 h3 r
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| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
. _8 q2 _& z9 V | 14704 | 10000 | | Tax 32% | 4704 | 0 | ) o- W- H* W& ]0 P
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| | 10000 | 10000 |
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但是， 如果同样赚5000就有差别
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* I6 w6 p, {2 u' d* @ | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win
3 Q4 N3 Y, @: y" Q$ M5 o$5000 | 12352 | 10000 | Withdraw4 G$ ?, d m2 @
| 12352 | 10000 | | Tax 32% | 3953 | 0 |
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6 ]; f4 r2 o F& `# y6 v& H' K! z | 8399 | 10000 |
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但将来退休时税率低. ^" g& H8 p& L+ x% ^) N# j# k5 ]
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
9 K% N+ K7 Z5 x& o1 ?+ ^3 r | 14704 | 10000 | | Tax 25% | 3676 | 0 | 9 p9 h3 ~' ^% O g8 G2 |7 m; l
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| | 11028 | 10000 |
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j: L6 u9 c7 z5 R+ P& h各有利弊 |
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狗仔卡
发表于 2009-4-29 14:30
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