 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况! a9 c; a& C( R& ]7 f* |5 v
/ L1 j' e# y G& q/ n+ |假设赚 100%,存入取出税率一样32%
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| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw5 z' R/ W/ j$ z8 C5 f
| 14704 | 10000 | | Tax 32% | 4704 | 0 | * B; p) w# ~6 I5 E* U3 F6 j: g
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| | 10000 | 10000 | 8 R3 n7 ^$ N5 q4 }
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但是, 如果同样赚5000就有差别$ F$ Y4 E$ t: ^- h! d
, L4 ~/ N/ |1 a2 u S" } | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win# I) C6 g0 l9 x t, |
$5000 | 12352 | 10000 | Withdraw
. m* Y. A6 i9 H) U' b' i. z | 12352 | 10000 | | Tax 32% | 3953 | 0 | ' u6 c: j: ^( O9 k2 Q+ h5 ?
) C8 l2 G; i8 Y b D( O2 v( k | 8399 | 10000 |
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但将来退休时税率低8 V9 S: x8 ~& z" b5 T% s2 i X
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
# Y& ?! J3 C# J- s | 14704 | 10000 | | Tax 25% | 3676 | 0 | + p6 D s* @5 S" `
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| | 11028 | 10000 |
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各有利弊 |
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