 鲜花( 87)  鸡蛋( 1)
|
差别不大, 要看什么情况9 w0 \: v: [3 \' P: i
$ ^, g: q+ u; x1 p, b假设赚 100%，存入取出税率一样32%
: O8 ]- o# S, ?4 ?8 H7 ?! x+ |! N% p: F) A( X, N8 L. h
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw8 x$ M% O. Z9 Q7 P0 ?* g. g1 ^
| 14704 | 10000 | | Tax 32% | 4704 | 0 | / P" {" O# h2 {9 Y1 i8 h0 [- W7 e
+ }4 h* e( U6 m/ i
| | 10000 | 10000 |
" M6 D# j3 U! e4 p# v ~
0 Q- h- k* ?, f3 N
但是， 如果同样赚5000就有差别3 X! ~+ z7 q2 b2 ~, v0 `# Y5 ^7 [
3 k1 \7 V d8 m | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win$ i0 N, \5 C! ~. V# V {* V! |. M. h4 ]
$5000 | 12352 | 10000 | Withdraw2 p+ V$ k0 q; ]2 h4 c
| 12352 | 10000 | | Tax 32% | 3953 | 0 |
9 T4 s6 J8 L3 F; f5 ]+ t ) E4 y, k! Q& @. T
| 8399 | 10000 |
) U1 e- d7 o7 D# `
2 p8 I0 `% ?4 H, \8 J* E但将来退休时税率低 r" i9 e$ p; a3 `9 O8 S, Z, I; ~0 K
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
7 [" G2 j" z7 z+ b- Q | 14704 | 10000 | | Tax 25% | 3676 | 0 | ) t0 U* T( }" w
8 e7 J; [4 R, c1 E0 i | | 11028 | 10000 |
/ {" k4 c7 S- [/ a7 z" o
' c& x% V* Q1 E) [; ]3 X$ d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
