 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况5 J: n0 o2 J ^7 k2 o
4 Y- [' H: j5 j0 ?8 V+ m假设赚 100%，存入取出税率一样32%% Q% B1 T0 o+ a I
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| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
* I9 U9 h$ P" [$ h | 14704 | 10000 | | Tax 32% | 4704 | 0 | 0 [; a0 G" |' y' C( W$ C+ i
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| | 10000 | 10000 |
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( g- v2 A) J5 i9 V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
/ O- I# g+ d/ d& `- J3 j$5000 | 12352 | 10000 | Withdraw
1 E- M1 A# F8 K: Q) I2 r | 12352 | 10000 | | Tax 32% | 3953 | 0 | " r% X# h* Z \: H! ~
. x2 m/ a0 P) c- h" C5 S9 o | 8399 | 10000 |
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但将来退休时税率低
0 u9 L5 u% K2 V" w; r+ \ | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
1 q, J, a) z# E) g+ c$ J) y5 a# B | 14704 | 10000 | | Tax 25% | 3676 | 0 | 4 I* F$ x# t6 z; y. C
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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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