 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况" r- x2 F: E1 o2 r2 |8 Y
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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 | | Withdraw
5 Y* H, S+ y# c | 14704 | 10000 | | Tax 32% | 4704 | 0 |
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| | 10000 | 10000 |
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8 b1 d. N( y$ g4 |0 N9 t9 U4 F但是, 如果同样赚5000就有差别 C% b, V7 N- v- I
6 S* P0 C+ B" j4 O) M | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win! p# s0 e5 X% ]
$5000 | 12352 | 10000 | Withdraw; ]5 l6 @; J* `( W/ @( V& ^2 J. L
| 12352 | 10000 | | Tax 32% | 3953 | 0 |
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. N# k* Y7 h7 L% k4 F# e2 c | 8399 | 10000 |
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6 v% y4 p! [& H' d/ f但将来退休时税率低
! d: w6 u4 O" }( H9 m Y2 E0 _ | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw% ~1 u3 D. E6 O- o. i2 n; n
| 14704 | 10000 | | Tax 25% | 3676 | 0 | # t. y8 o; i8 D; W2 E4 m$ O
/ ?% {" G5 i- B9 @. q* @* B | | 11028 | 10000 |
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各有利弊 |
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