 鲜花( 87)  鸡蛋( 1)
|
差别不大, 要看什么情况 E* ^: S5 Z8 _/ G7 J6 M$ y: ^
# F* j0 ]: l/ T7 h3 A假设赚 100%,存入取出税率一样32%
- V! \& {, [9 S! N' v% I2 I. F. u; s; Q& p8 N
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
; X, m7 {* ?: O/ [4 k+ ]$ I3 G | 14704 | 10000 | | Tax 32% | 4704 | 0 | & |/ t0 x# v. c# g+ f% I! }) D, U
3 n3 ]9 i, g& z+ }
| | 10000 | 10000 |
6 ~$ S" [1 s1 B6 I. s1 _5 ^) i" X0 ?/ c! ?2 K# b3 t
但是, 如果同样赚5000就有差别9 h& a M9 [1 v+ B) G& K1 C9 @
% M2 j$ P L9 l( E3 M
| RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win
7 C5 m! d8 m. S B5 Y) Q, k$5000 | 12352 | 10000 | Withdraw
. p9 C; p6 i) J" Q9 L | 12352 | 10000 | | Tax 32% | 3953 | 0 | 2 u' B5 I6 W: k8 }* o
7 m5 ?3 R7 L" m/ r
| 8399 | 10000 | + _: L; h c% e2 @: w. a R
8 Q# e- }) t4 S
但将来退休时税率低
, G8 K% S+ Q1 H1 l | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
; g3 v, k. k' Y8 i' } | 14704 | 10000 | | Tax 25% | 3676 | 0 |
6 `" }7 f& h5 r, C5 |+ Y * l( h! Y- q9 u% Z2 x4 X
| | 11028 | 10000 |
2 V5 f3 a+ ]8 x% s" V; F9 m6 H& z9 G) L K# D7 `; P/ j& x
各有利弊 |
|