 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况. [. Z X) y$ W) `( a K
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假设赚 100%，存入取出税率一样32%
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7 v3 v3 R; z5 H, K3 R+ p | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw; M& Z7 s" M% m! h/ U. B
| 14704 | 10000 | | Tax 32% | 4704 | 0 |
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| | 10000 | 10000 |
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4 n7 v3 _6 V3 [/ z" G# b/ h但是， 如果同样赚5000就有差别; [1 J' T$ @6 J7 S$ y. `
( c% F8 k2 k8 Z' ]0 ~7 N$ ^/ t3 } | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win
0 T/ I% m% {( c8 [5 ~$5000 | 12352 | 10000 | Withdraw! I. l+ l' F3 S% e2 ]2 @
| 12352 | 10000 | | Tax 32% | 3953 | 0 |
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! n# ^: r& x3 z9 i | 8399 | 10000 |
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8 `2 M7 M" O/ b# V7 n7 z但将来退休时税率低6 A1 V' ?# V, L- F
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
& M3 j. z' l' M: v' z7 F+ r | 14704 | 10000 | | Tax 25% | 3676 | 0 |
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| | 11028 | 10000 |
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各有利弊 |
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发表于 2009-4-29 14:30
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