 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况& Y; g6 X9 g7 k$ a7 f) y) Z
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假设赚 100%，存入取出税率一样32%2 ^" _3 j3 b. T5 U
- y4 l9 K( l& N | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
, y; y* p9 c: [$ ~" `: h! j | 14704 | 10000 | | Tax 32% | 4704 | 0 | & L0 D3 A6 l$ h7 a3 d4 m& s2 i
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| | 10000 | 10000 |
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% s, E6 f* G2 I2 W7 [+ y) i但是， 如果同样赚5000就有差别
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| RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win
2 [3 U# Q' t$ ?; I$5000 | 12352 | 10000 | Withdraw
0 v! H+ g: n G$ z | 12352 | 10000 | | Tax 32% | 3953 | 0 | : r& k0 [" u1 D: b/ ?+ [
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| 8399 | 10000 |
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但将来退休时税率低" [8 t9 a+ ~' A
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
2 M/ c& J. n2 A) v* v7 b | 14704 | 10000 | | Tax 25% | 3676 | 0 |
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| | 11028 | 10000 |
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- ~6 A4 Z8 D) D( d, H各有利弊 |
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发表于 2009-4-29 14:30
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