 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况
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$ W' k0 ^2 `1 n3 x. e假设赚 100%，存入取出税率一样32% I4 u& `: t! l0 ~* M- z
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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 H; p* n) C' ]2 @1 ? | 14704 | 10000 | | Tax 32% | 4704 | 0 | $ t& y0 U% h# Z- Y1 H* M9 R6 a n& C. u
/ Y7 M) w! c/ A4 W+ B6 |; X! N3 L | | 10000 | 10000 |
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Q% R: R6 Q( K6 B) H但是， 如果同样赚5000就有差别
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7 y+ t9 H, C# \9 z9 p0 e; I% R | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win2 H) ^- t# m6 _7 R* x
$5000 | 12352 | 10000 | Withdraw
9 k5 Z5 x$ K( J. B* k7 Y6 y: T | 12352 | 10000 | | Tax 32% | 3953 | 0 | 6 w; u! z, h; Y% z- x4 |+ I7 A1 K
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| 8399 | 10000 |
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! ?# f9 W3 @, G7 D, c但将来退休时税率低$ z ?* R; w1 `$ `2 D2 L
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
n+ s( q6 g& _& x* D6 T | 14704 | 10000 | | Tax 25% | 3676 | 0 |
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| | 11028 | 10000 |
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; e8 k9 X; s/ D4 t各有利弊 |
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狗仔卡
发表于 2009-4-29 14:30
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