 鲜花( 87)  鸡蛋( 1)
|
差别不大, 要看什么情况8 X9 }" x# V# _5 g* h
2 `% h9 j: t& Y% P2 T
假设赚 100%，存入取出税率一样32%; }+ z9 B2 J, D% i
# W: n5 P7 e9 b, Q# E | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw6 u6 {2 H% A4 B/ r
| 14704 | 10000 | | Tax 32% | 4704 | 0 | 2 a" G. U# \7 F% n, N
) L2 f2 u* x: m9 F, ] | | 10000 | 10000 |
; `. T1 l+ y* o! |% G' H2 c
7 a8 _9 z3 v9 c4 t但是， 如果同样赚5000就有差别
4 _; v! |" [6 L+ V: ~" C0 O7 k. A: r' @
| RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win7 H. A1 E+ ]3 z1 E2 t: w7 p4 ^
$5000 | 12352 | 10000 | Withdraw- M3 a9 J6 C' n( S4 n. ]8 R5 a
| 12352 | 10000 | | Tax 32% | 3953 | 0 | - }* o2 v3 c5 x2 \4 Z4 _* W! z
0 f" n' l% J1 Y" R3 y | 8399 | 10000 |
+ j6 z+ \# i7 g
4 Q# M5 T& }/ o$ |! @# |* q, V$ Q
但将来退休时税率低
* f" k8 x# J$ e F2 P% @ | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
9 {- `6 g, O1 k4 t | 14704 | 10000 | | Tax 25% | 3676 | 0 |
5 ~0 }' e! |0 F/ F5 [1 ? ' n h- }! A) H: k+ U' t, E
| | 11028 | 10000 |
; X6 D9 C5 N' V. _- d! v: E1 K
9 Y8 @1 |9 j+ N
各有利弊 |
|
狗仔卡
发表于 2009-4-29 14:30
提升卡
置顶卡
沉默卡
喧嚣卡
变色卡
显身卡
