 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况7 D4 t/ b5 Y( C* Q& f7 [. ?; h3 ?
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假设赚 100%，存入取出税率一样32%# d! J+ H' `4 C9 z
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| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
/ ]' \9 I. Q' u& y- q; b& |- V | 14704 | 10000 | | Tax 32% | 4704 | 0 |
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* e6 T# }$ k; ` | | 10000 | 10000 |
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但是， 如果同样赚5000就有差别3 `+ k5 a, Y4 W# Z
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| RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win% i' V+ D8 q, [
$5000 | 12352 | 10000 | Withdraw
4 t" p8 W0 A- \8 W0 y | 12352 | 10000 | | Tax 32% | 3953 | 0 |
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7 ~8 ]3 W: c# p* m" W( g3 c | 8399 | 10000 |
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1 N, k8 d8 P9 E但将来退休时税率低. B3 t2 U/ ~0 }" Y& W( \
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw+ _3 C# B/ Q) ?8 |% P$ E
| 14704 | 10000 | | Tax 25% | 3676 | 0 |
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$ y" G5 m" @" P( w1 A6 o2 V6 { | | 11028 | 10000 |
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各有利弊 |
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发表于 2009-4-29 14:30
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