 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况6 S+ L, a0 o. l* y. f& B
0 X1 ?1 ~- y0 }" Z& [( m% o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; b7 D8 Y; S( X- g
| 14704 | 10000 | | Tax 32% | 4704 | 0 | ( j4 R( Y' C1 F. h2 g1 [8 t; `+ k
; M7 M7 r3 h3 m2 } | | 10000 | 10000 |
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- n7 D: K, I" S( T9 k但是， 如果同样赚5000就有差别, Q" G) ^/ k! ~8 s7 t3 [6 j
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| RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win
% j. p/ l5 q8 l/ Q$5000 | 12352 | 10000 | Withdraw% q* x$ w0 N/ C" u& P+ h
| 12352 | 10000 | | Tax 32% | 3953 | 0 |
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| 8399 | 10000 |
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但将来退休时税率低8 k/ R* d) O! v. f
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw: B- o1 I3 E1 T* w
| 14704 | 10000 | | Tax 25% | 3676 | 0 |
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| | 11028 | 10000 |
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" U. K/ i$ w8 G+ ]各有利弊 |
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发表于 2009-4-29 14:30
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