鲜花( 87) 鸡蛋( 1)
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差别不大, 要看什么情况. x$ z# F! \4 w8 {+ k2 t
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假设赚 100%,存入取出税率一样32%7 \# ^5 Y0 s! a. s* G
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| | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw& z1 L0 Q( O W0 s5 Q1 J) ^
| 14704 | 10000 | | Tax 32% | 4704 | 0 | & c; W6 h( P W" v2 ?' i
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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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| RRSP | TFSA | 税前投入 | 7352 | 7352 | Tax 32% | | 2352 | Account value | 7352 | 5000 | Win7 O# G* f) i! Z1 E' @
$5000 | 12352 | 10000 | Withdraw U) }/ i% h* b
| 12352 | 10000 | Tax 32% | 3953 | 0 | ! ^, M$ b& d- W
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| 8399 | 10000 | + N+ N, Z* t* O( A/ x E
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但将来退休时税率低
- }: S, r3 E: V) j: V& F | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
: y1 Y% G. g9 f% G8 w5 A: d | 14704 | 10000 | | Tax 25% | 3676 | 0 | 4 {& u9 o7 ]8 u$ K
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| | 11028 | 10000 | 6 m) [. ^% u8 h$ K7 I
$ N/ L! T. }- b' ?1 }各有利弊 |
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