 鲜花( 87)  鸡蛋( 1)
|
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%
* ^& s5 m& M' { F; z" H1 o4 ?' W
| | 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 | / q0 f" R( r1 {! G
- 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
, k& z2 v# V' f
| 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 |
: |& e& i+ J' \% D, y$ \. K 5 U0 @7 `( q' |) V0 e, \
| 8399 | 10000 | . g" K$ u! ]! G' T3 j
5 J6 q* W2 f* e
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 |
5 v' v R$ P) m# b, j% Y/ J$ J ! Z0 `/ ]: Z4 w8 i! B
| | 11028 | 10000 | * t, S. d: a# x2 [& f) H
" U. K/ i$ w8 G+ ]各有利弊 |
|