 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况" q/ K; _: F x" L' C, t5 q
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假设赚 100%，存入取出税率一样32%
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| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw& u, |0 D2 {5 r, w6 _2 b$ g
| 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" E& w- q9 h' _9 A
$5000 | 12352 | 10000 | Withdraw" N+ Y7 N2 z4 x% V8 D3 u8 ]: ]5 G' N
| 12352 | 10000 | | Tax 32% | 3953 | 0 | 6 @: ~4 N! ?/ H' l
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| 8399 | 10000 |
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但将来退休时税率低
: |+ P/ J" u+ B* g. v0 q | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw* Y) T) ?6 W1 g
| 14704 | 10000 | | Tax 25% | 3676 | 0 | & p, ~) n) ~$ Y- Y/ @* w
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| | 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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