 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%
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8 Z2 Y" x F& G( ^- K | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
% d, r4 F) f J5 b; i8 ~8 J | 14704 | 10000 | | Tax 32% | 4704 | 0 | . v' L* B a+ O$ N% l: }) }" [
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| | 10000 | 10000 |
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( R$ S. a, q2 O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: ~' ~! y3 Y: {, N
$5000 | 12352 | 10000 | Withdraw N) [" E# R6 q& ^
| 12352 | 10000 | | Tax 32% | 3953 | 0 | 5 D5 ?& v- X2 H/ y! ~$ z7 V
; c: `) }7 h5 H* O7 Z2 e0 M0 w$ {7 ]: ] | 8399 | 10000 |
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但将来退休时税率低; \8 W5 U, A/ z
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
$ m n9 n' q( [4 W w0 X% F' }. X; ? | 14704 | 10000 | | Tax 25% | 3676 | 0 | ! T6 ?$ T" A E; J+ f# G% \
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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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