鲜花( 87) 鸡蛋( 1)
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差别不大, 要看什么情况
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4 X. g) E8 D: p3 B: y, Y假设赚 100%,存入取出税率一样32%( C* J* m4 T$ x' z
0 n! d5 M5 b( H6 { | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw
. ], ~) z0 n; }0 b | 14704 | 10000 | | Tax 32% | 4704 | 0 | - o6 ] n Y S" }
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| | 10000 | 10000 |
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; ?5 X- s2 Q9 H* C9 k) T- M但是, 如果同样赚5000就有差别9 L3 P" l! k+ {6 ~! Z+ O- _6 B
' K8 _3 g- T8 L9 c3 k. J4 n/ q | RRSP | TFSA | 税前投入 | 7352 | 7352 | Tax 32% | | 2352 | Account value | 7352 | 5000 | Win
; W( C( T& ]% q+ U$5000 | 12352 | 10000 | Withdraw
# n1 `9 @3 Q+ V/ Q/ n | 12352 | 10000 | Tax 32% | 3953 | 0 | * U0 H8 s' ]. ?, w
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| 8399 | 10000 | % I- D0 e7 V, s; G8 b# w
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但将来退休时税率低
* t8 ^* I% {, q- Z) C9 H | | RRSP | TFSA | | 税前投入 | 7352 | 7352 | | Tax 32% | | 2352 | | Account value | 7352 | 5000 | | Win 100% | 14704 | 10000 | | Withdraw0 ]5 B% E( j5 [6 I
| 14704 | 10000 | | Tax 25% | 3676 | 0 | - B" S- u3 v2 F1 W* ` `& m; p
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| | 11028 | 10000 | " p2 ` T0 t/ t# {# X# _
& F7 s& g, P# t6 K+ N9 F. e各有利弊 |
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