 鲜花( 87)  鸡蛋( 1)
|
差别不大, 要看什么情况
- ^9 R8 j# N1 v3 N$ ]; w
! T: A; B! M8 `# ]3 i9 z假设赚 100%，存入取出税率一样32%
% G/ l) \# o3 C
" y5 C6 I' M0 H8 j' H2 { | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
9 v5 E, n8 ?+ J' e( W | 14704 | 10000 | | Tax 32% | 4704 | 0 | # n) Z- l$ }& M3 |0 E V
" r) B4 ~1 `$ D- ^4 c) i
| | 10000 | 10000 |
8 Q. A$ W4 T0 [# R! X% v9 ?. ^: V
9 s& k" d% s9 ~; I
但是， 如果同样赚5000就有差别
) H& \5 W. S$ l3 h6 ^6 O6 `$ G S% q: s8 G. z' w$ M3 w( @
| RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win' _6 E- v5 P' J8 o/ G; z+ r! [
$5000 | 12352 | 10000 | Withdraw! S; I3 L# ~" A5 ]. V
| 12352 | 10000 | | Tax 32% | 3953 | 0 |
3 t5 | A6 h4 ]$ z - D( ?7 |: f# O5 v: |4 A2 O8 O6 m
| 8399 | 10000 |
- w# k# }' J; V7 d3 C* G0 a. s- X" N% S0 S' \, H0 |
但将来退休时税率低
! v: u, W; h2 o k6 G' p | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw' o8 F5 H$ C+ z+ I$ K' K. l5 k
| 14704 | 10000 | | Tax 25% | 3676 | 0 |
7 V+ k& i9 _' n, B0 V7 T5 L $ R/ i. }. {% R ~% G3 M
| | 11028 | 10000 |
2 F6 f/ n5 h [$ Q. W$ i. B; c( H. O H4 m# j) ]* S
各有利弊 |
|
狗仔卡
发表于 2009-4-29 14:30
提升卡
置顶卡
沉默卡
喧嚣卡
变色卡
显身卡
