 鲜花( 87)  鸡蛋( 1)
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差别不大, 要看什么情况
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# y# d% J+ m; {) O$ R; @假设赚 100%，存入取出税率一样32%
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| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
4 \: l$ V: f- I5 Y& | | 14704 | 10000 | | Tax 32% | 4704 | 0 | 8 i1 _7 O' N- Y7 U5 G, E" ?8 I4 J; X3 {
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| | 10000 | 10000 |
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但是， 如果同样赚5000就有差别, X! A0 L9 g' K+ m: u
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| RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | Win; n% i3 W( P! r* {( |/ Q
$5000 | 12352 | 10000 | Withdraw7 h5 j6 B( }! u
| 12352 | 10000 | | Tax 32% | 3953 | 0 |
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1 i4 q; Z8 G$ j B0 e {/ w | 8399 | 10000 |
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但将来退休时税率低- p& ~( `4 @) i: f: U1 Q9 t/ K
| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
2 J+ t. f6 V% m$ A1 G% a/ _; F | 14704 | 10000 | | Tax 25% | 3676 | 0 |
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" b' ~0 Q8 \& C6 V% b7 j8 n | | 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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