 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况7 M3 W' [4 P5 T5 V
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假设赚 100%，存入取出税率一样32%
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; H1 d: f5 W* {7 z" V | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw8 g; }4 V# A8 p" d+ D3 O$ D9 Q
| 14704 | 10000 | | Tax 32% | 4704 | 0 | ! `. d3 C ?3 V* M
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| | 10000 | 10000 |
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, t+ T: b) @. a1 _3 N但是， 如果同样赚5000就有差别: H( B3 `" X4 T3 o
% L' x. `1 b! H3 C- M: Z- E | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win
- Y5 \& x+ C5 X* l% a" n$5000 | 12352 | 10000 | Withdraw& D2 d+ d3 K% t. P7 m( p2 P
| 12352 | 10000 | | Tax 32% | 3953 | 0 |
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| 8399 | 10000 |
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但将来退休时税率低
& u$ }- t/ N7 K" C$ n% Y) N | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw# _4 j) Z" Z% y& x0 M
| 14704 | 10000 | | Tax 25% | 3676 | 0 | # \+ s9 W4 \) ]: f s' y
8 D5 b4 U3 Z& f3 V; E' Z$ r5 E4 e8 s | | 11028 | 10000 |
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各有利弊 |
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狗仔卡
发表于 2009-4-29 14:30
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