谁能说说RRSP与TFSA的具体区别？

我不是哥哥

我只知道现在买RRSP是一种延迟纳税的方式，而将来退休时在RRSP户口取款是要打税的。。。
求补充！

我不是哥哥

小黄

都买足即可。

老王婆

具体区别在于：
6 I# i0 w8 `9 A- a" d1.购买RRSP的当年，购买的数额可以抵回当年的税。在你取出来的那年，你按照当年的税率缴税。所以收入高的时候，买RRSP，等收入低的时候再取出来，这样才有意义。
而TFSA不管买进还是卖出，都与你当年的税无关。只是你在TFSA帐户下赚到的钱不用纳税而已。
: G8 ], C9 h; |  ^2.RRSP的限额和你的收入挂钩，而TFSA的限额与收入无关。
3.你可以用你RRSP限额给你的配偶开立帐户,但是TFSA的限额是不可以分享的。
% V9 k2 ?9 @" T' ^  a2 o) p9 o很久没有认真学习了，印象中是这样的，说得不对的请指正。谢谢！

NEB

main differences:
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6 M- Y% t7 I, S* SRRSP is a tax deferral investment strategy. you defer the tax you would pay today (assuming at higher tax bracket) until you need them later on when your tax bracket is lowered. it doesn't mean you have to wait until you retire to withdraw on it, but usually, that's when most people's income is lower. for example, assuming your income tax bracket is at 39% (29% federal and 10% provincial), at that bracket, for every $1 you earn, you will pay $0.39 of it to the government. if you take a part of that income and invest it into RRSP, then you don't pay tax on that 39% for now. assuming the tax rates stay the same and you've retired. your income level dropped and as a result, you're income tax bracket is now 25% (15% federal and 10% provincial). at that point, the money you withdraw from RRSP is only taxed at 25% as oppose to 39%. furthermore, the amount of tax deferred money you save today is also making more money for you as investment return.
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simple example:
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if you have $10,000 at 39% tax bracket, if you don't buy RRSP, you will take home $6100. if you buy RRSP with that $10,000 then the $3900 you would have paid to government remains in your account until you start to withdraw from it. at retirement, not counting the investment growth, the same $10,000 taxed at 25% means you only pay $2500 in tax as oppose to $3900 in tax. what's even better is that the $3900 tax money you deferred to pay was making investment returns for you at the same time.

TFSA is a after taxed income investment plan. all the money you throw in that account has already been taxed once by the government so therefore, no matter how much money you make (investment returns), the government can no longer tax you on it any more.
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all other investment returns made outside of TFSA will need to pay tax on, in the forms of capital gains, income tax or business revenues.

我不是哥哥

谢楼上各位，补充一个问题，假如我存了钱在TFSA的账户里，是否可以随时提取现金而不用纳税呢？

NEB

我不是哥哥 发表于 2012-2-6 09:39
谢楼上各位，补充一个问题，假如我存了钱在TFSA的账户里，是否可以随时提取现金而不用纳税呢？

3 m" N4 I: d0 k3 c; V1 tthat's right, you can withdraw from the TFSA account at any time without paying tax, but keep in mind that there's an annual allowance you can deposit without paying penalty. if you withdraw from the account and then later on deposit it back in, it counts as additional deposits and if the total amount goes over the limit, you'll pay the penalty for it.

我不是哥哥

NEB 发表于 2012-2-6 10:15
, G! {9 d) }0 |3 G, v9 l( Hthat's right, you can withdraw from the TFSA account at any time without paying tax, but keep in m ...

; `1 I& {  _7 }好的，谢谢！