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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%
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+ ]5 V+ ?7 S5 U2 c9 T. n2 } | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw7 N( }1 i x+ d1 }/ r$ C0 q) J& h
| 14704 | 10000 | | Tax 32% | 4704 | 0 |
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但是， 如果同样赚5000就有差别0 a& X) I8 O/ u3 E+ x
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| RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win, w" Y/ x, x0 [2 e- x
$5000 | 12352 | 10000 | Withdraw
- l0 _: V0 u$ h' L$ H- ^! i | 12352 | 10000 | | Tax 32% | 3953 | 0 | # e( Z/ E6 X* l/ h) b
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| 8399 | 10000 |
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但将来退休时税率低3 v: `+ Q# f6 \. }2 [: Y. K
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw- U3 t) {! t. G9 f# m3 }5 L/ L
| 14704 | 10000 | | Tax 25% | 3676 | 0 | , e5 \0 y$ u+ X% w |' J ?6 s
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| | 11028 | 10000 |
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; U2 }% i0 R+ v( D$ d各有利弊 |
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狗仔卡
发表于 2009-4-29 14:30
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