 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况
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. Z U3 Q, u& ~ ?9 ~6 U2 F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 b# l z' N+ U
| 14704 | 10000 | | Tax 32% | 4704 | 0 |
' {& b% F* s% w o' \: \+ g
# R" P( H* `0 N: Z | | 10000 | 10000 |
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但是, 如果同样赚5000就有差别" Q* o: |7 u: Q8 F+ `1 y$ X
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| RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win* _! _: F) }: P; @3 u" ~
$5000 | 12352 | 10000 | Withdraw$ R, l# f$ K( j/ y- y5 K
| 12352 | 10000 | | Tax 32% | 3953 | 0 |
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| 8399 | 10000 | 0 h4 W0 v5 P/ [3 b) v# O1 H0 D' z/ V
# Y- |3 q' e3 c1 n但将来退休时税率低8 a: R) `/ B4 g
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw+ Q* y+ a3 ]9 k
| 14704 | 10000 | | Tax 25% | 3676 | 0 |
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" e3 e7 i; i2 P. P7 e0 O | | 11028 | 10000 |
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. J9 e" v) a' F6 \' Q各有利弊 |
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