 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况& p1 D" q, q, I* Z& _4 l- N
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假设赚 100%，存入取出税率一样32%; O* {# e, ~( A0 o3 c) T' [- l# `
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| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw3 A. d! q+ Z% A! h0 V
| 14704 | 10000 | | Tax 32% | 4704 | 0 |
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| | 10000 | 10000 |
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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
) j2 u/ L+ }5 }( P$5000 | 12352 | 10000 | Withdraw
) \6 a% P: M1 x+ E6 } | 12352 | 10000 | | Tax 32% | 3953 | 0 | : g9 {' B8 X8 r- q5 ~( L: R
u. ]# E6 O5 A9 Y. T5 s \ | 8399 | 10000 |
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# W1 I9 _ `5 r% K2 X但将来退休时税率低 s6 F# K: Z& H" {& Z4 m; ?& h, ~' D
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
& K: p3 \6 X6 D6 h4 x5 g | 14704 | 10000 | | Tax 25% | 3676 | 0 | 1 t# }7 B! ~# q1 j0 u
: A: `( O' C7 ^8 a) U' w6 _ | | 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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