 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况
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* [) d2 k( y" r! _& t7 K. Q6 Z, Z/ P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
: C9 J$ ]( h' K: `5 d( a | 14704 | 10000 | | Tax 32% | 4704 | 0 |
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| | 10000 | 10000 |
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但是， 如果同样赚5000就有差别6 u2 H( q' D- b) Z1 q' l- ^
4 L n- {, L% q) X4 B6 p% {+ d9 W | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win
6 H! W$ }5 ~. E0 b$5000 | 12352 | 10000 | Withdraw7 L1 h0 z7 h! ]9 i( C. ]
| 12352 | 10000 | | Tax 32% | 3953 | 0 | 4 h/ J1 K P3 g
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| 8399 | 10000 |
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3 }7 o# Z1 \ v" O. ^但将来退休时税率低, c @& c% p) R
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
7 ]# B5 Q" S) v6 {. Y4 k4 l" D0 i | 14704 | 10000 | | Tax 25% | 3676 | 0 | . s/ }/ n( p# s$ ^
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| | 11028 | 10000 |
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各有利弊 |
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狗仔卡
发表于 2009-4-29 14:30
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