 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况% J$ Y& T" U' [: b( ]6 J2 p
' ^, H8 k8 J: {6 W0 \& W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
& n9 v; Y( O/ a; J) f5 Q3 a% a | 14704 | 10000 | | Tax 32% | 4704 | 0 |
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| | 10000 | 10000 |
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* c8 S- c3 [/ s5 q* W但是， 如果同样赚5000就有差别
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% U6 {' l* t- E6 h | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win& W9 ?1 x3 W& {
$5000 | 12352 | 10000 | Withdraw( k1 N% H {1 r7 K6 k" S7 J' B
| 12352 | 10000 | | Tax 32% | 3953 | 0 | 5 i2 v; q: `$ c) ~, _
" ?7 O9 b* {9 R: f9 T
| 8399 | 10000 |
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但将来退休时税率低6 b, s) g3 p5 W' X. i. ~
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw' A3 R8 L4 e5 j
| 14704 | 10000 | | Tax 25% | 3676 | 0 | 4 E' ^& I) }. y, G- U' `& K
: d( e* o7 }& W$ F2 m, B+ Z
| | 11028 | 10000 |
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6 d3 h* Y6 B5 R* n. E+ Z各有利弊 |
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狗仔卡
发表于 2009-4-29 14:30
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