 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况! }+ C: d' R1 t5 ? C. ~! i7 G
% j0 _: K; i! v假设赚 100%，存入取出税率一样32%
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8 v8 L3 s, z, n" h# x | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
% J, D0 A3 V, P! b% f5 q | 14704 | 10000 | | Tax 32% | 4704 | 0 |
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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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| RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win
. |+ S( a4 e) A, W" G$5000 | 12352 | 10000 | Withdraw2 B2 h2 `3 C$ J' H0 ?, _! D
| 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
. N8 `( w3 d2 F$ ? | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw% L" W' O* X! ~* _/ t. C% A
| 14704 | 10000 | | Tax 25% | 3676 | 0 | & u, C% ?9 {+ x& }8 }/ L$ X
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| | 11028 | 10000 |
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+ A$ H$ U W2 F# S7 G$ a: y& n$ M) Z各有利弊 |
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狗仔卡
发表于 2009-4-29 14:30
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