 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况9 w8 P: E3 q1 P) ?; h8 E6 m
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假设赚 100%，存入取出税率一样32% n- P) Q9 y* ]/ r& [+ h
j3 g% q$ l) Z7 n | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
! T1 k! I5 |$ Y A' p* I8 S | 14704 | 10000 | | Tax 32% | 4704 | 0 |
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| | 10000 | 10000 |
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# ] _4 e" }+ |6 V: \但是， 如果同样赚5000就有差别
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3 y6 m6 b( x; [ | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win4 q# i; ]4 x* J2 k U; q) r
$5000 | 12352 | 10000 | Withdraw
& m4 D) l0 G! M; i+ A" b | 12352 | 10000 | | Tax 32% | 3953 | 0 |
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, ~( U+ O, c: F | 8399 | 10000 |
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但将来退休时税率低% p% w, j8 K7 h/ [
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
! U& k% X( I; l | 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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