 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%9 Q, o" T/ f4 n' I, l3 p
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| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
, ~* S5 a$ A2 T* @7 D | 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; s4 Y! C8 r. `! P
$5000 | 12352 | 10000 | Withdraw
' ?2 q: \7 x- n. T- {( H* { | 12352 | 10000 | | Tax 32% | 3953 | 0 | ) N" d; Z3 W/ j c2 z1 c6 A
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| 8399 | 10000 |
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3 [8 O2 V3 o2 S! }- g但将来退休时税率低1 U: Q# }" Y! P" o% J: c% [6 O3 W
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
$ b( {* g- _5 M& U* B | 14704 | 10000 | | Tax 25% | 3676 | 0 |
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( B7 }% k* X9 W5 S) U | | 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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