 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况& N+ e4 J" r2 s+ g; r- N4 \9 o& e6 W& `
- `6 {" W% V4 A$ Y: b& B1 v假设赚 100%，存入取出税率一样32%3 u$ k {7 g. l7 B# |1 w6 u, y/ \
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| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw% S! d: U% s6 P% S g1 ^$ D a6 W
| 14704 | 10000 | | Tax 32% | 4704 | 0 | " _# j3 h: N2 M
/ K8 p9 U. m1 D | | 10000 | 10000 |
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- y! s& ~ I8 R5 i2 s* n. M但是， 如果同样赚5000就有差别
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' q6 `# _8 M/ s& O! n9 k l& i | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win7 c# ~+ E0 D- w8 o% N2 X
$5000 | 12352 | 10000 | Withdraw
2 i- i" a' I: T4 `, n' z3 _ | 12352 | 10000 | | Tax 32% | 3953 | 0 | " b5 C! E5 R1 S" ^# U# G% \1 ~: B
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| 8399 | 10000 |
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% F3 l. B6 m! f! c# r2 F但将来退休时税率低
2 ]" n$ e8 R# @2 D | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw/ w& _: l- l; P7 D" d
| 14704 | 10000 | | Tax 25% | 3676 | 0 | 1 W1 @2 p7 `6 o+ C9 J3 D
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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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