 鲜花( 87)  鸡蛋( 1)
|
差别不大, 要看什么情况
( N5 p- Q* U, k- S! ]" u
3 m$ Y7 \# H8 ~5 }2 s) f$ y假设赚 100%，存入取出税率一样32%
4 ]& S4 L$ d5 T( J- [0 [ e) N3 ] d2 B5 j$ F' S- L# O
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw( l9 Z/ [5 T! o6 M7 Y; b0 Z
| 14704 | 10000 | | Tax 32% | 4704 | 0 | , ~: B K+ c) ~* Y% _0 E4 h
# E' W' M, d; U* l+ r | | 10000 | 10000 |
9 U" [! e/ M% i; J/ m( |# v
/ ^. |& }6 T, I) }, A! K
但是， 如果同样赚5000就有差别 s% ?; Q4 ^7 O6 c
0 A1 l/ _0 P/ X& s0 M7 K | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win
: Y$ G: \* g6 s8 B) O$5000 | 12352 | 10000 | Withdraw
+ k M* f' N; H) M4 O) K. ? | 12352 | 10000 | | Tax 32% | 3953 | 0 | 6 ~+ v% b4 O( {" a W
& C' |& Q0 K8 ]+ N | 8399 | 10000 |
# W' W$ x; R$ w
3 n }7 ~, O. q+ E) ], [但将来退休时税率低
2 C' @4 G6 L1 v& ~) K4 j | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw: B5 D g. I. U! B" V
| 14704 | 10000 | | Tax 25% | 3676 | 0 |
) W2 D# l. P7 f! n + ~& l) g- t9 M% ~5 }, Y5 a
| | 11028 | 10000 |
5 g" z( G8 u+ Q8 d1 D! w* Q
' N: P9 C. V3 C' v; _9 X, C
各有利弊 |
|
狗仔卡
发表于 2009-4-29 14:30
提升卡
置顶卡
沉默卡
喧嚣卡
变色卡
显身卡
