 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况 y$ I1 D7 f, m. Y; x
) A/ t: g; L% i7 L假设赚 100%，存入取出税率一样32%8 a7 U$ c2 k6 q
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| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw1 X! H) x- W' r' B1 I0 _9 M
| 14704 | 10000 | | Tax 32% | 4704 | 0 |
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) s# _) ^. n5 G5 A | | 10000 | 10000 |
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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
" k. ^( l. f$ W/ u, Y$5000 | 12352 | 10000 | Withdraw `# K& z# E& B. n5 s* F
| 12352 | 10000 | | Tax 32% | 3953 | 0 | * e" a! U8 D8 M5 L( D4 h9 E* S4 [
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| 8399 | 10000 |
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但将来退休时税率低
- k' }! o9 {6 `8 d' Y) B | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
: t9 I. {2 L1 ?* n | 14704 | 10000 | | Tax 25% | 3676 | 0 |
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| | 11028 | 10000 |
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( J2 i7 Z( v6 z2 O5 V3 K各有利弊 |
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狗仔卡
发表于 2009-4-29 14:30
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