 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况2 B9 p! h; C7 L# |- W
0 S( O4 E. U- \$ o& Z假设赚 100%，存入取出税率一样32%& I5 U; y# q" D
- M \) A- F: U. V | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw: E! W' g G6 k$ \1 ?
| 14704 | 10000 | | Tax 32% | 4704 | 0 |
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| | 10000 | 10000 |
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, J' E7 Y: T2 m0 u8 t但是， 如果同样赚5000就有差别+ t4 N; V! k$ `* s. _. W
" X; y! u9 }7 ?$ D& w! p | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win, T e6 n( O8 c& @
$5000 | 12352 | 10000 | Withdraw, ^5 G o( c* c* E D! A3 U. @ s
| 12352 | 10000 | | Tax 32% | 3953 | 0 | 8 T) y( ]: y( a5 L6 p% y# t, {! n
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| 8399 | 10000 |
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; `7 w$ P3 H5 f但将来退休时税率低
- k; I0 \) E) U- {! D: a; }7 [6 I | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw. e( k9 S% N, @/ k7 S
| 14704 | 10000 | | Tax 25% | 3676 | 0 |
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| | 11028 | 10000 |
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各有利弊 |
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狗仔卡
发表于 2009-4-29 14:30
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