 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况
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假设赚 100%，存入取出税率一样32%/ x, Q& U) a5 p+ e' @# P
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| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
" u3 A' y$ h2 P5 _) I% n | 14704 | 10000 | | Tax 32% | 4704 | 0 | # V/ a' V4 d% Z9 _
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| | 10000 | 10000 |
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但是， 如果同样赚5000就有差别
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+ x. M; E7 W0 P0 z | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win0 z7 e3 U4 g2 k
$5000 | 12352 | 10000 | Withdraw* [$ L$ n' Y) e* j* D9 ]/ j
| 12352 | 10000 | | Tax 32% | 3953 | 0 | 8 \: K8 v# z9 A0 Q. T
& u4 m% G9 `: `& _0 |: b3 J+ N+ E | 8399 | 10000 |
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1 f5 @+ m9 N( {& x9 C1 r% D: X) W但将来退休时税率低
1 x. ~) w5 ?1 k) n# B7 h | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
8 i; J6 D( E7 g% X! P0 _ | 14704 | 10000 | | Tax 25% | 3676 | 0 | " L E# z6 l( e$ X" m$ [& N
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| | 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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