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枫下家园 / 钱财税务 / 请教一下。如果有三个scenarios: RRSP 额度分别为:10k,20k,30k,怎样合理分配RRSP和TFSA?
-fuan(更换昵称);
2015-2-23
(#9271514@0)
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Do you think your salary will increase rapidly to a higher marginal tax bracket? If so, Invest in TFSA 100% first. If no, invest in RRSP first.
-jeffrey815(Smartiecat);
2015-2-23
(#9271558@0)
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不是RRSP先买满,再考虑TFSA吗?
-webx(打酱油);
2015-2-23
(#9271603@0)
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反了
-wangqingshui(忘情水);
2015-2-23
(#9271976@0)
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why? RRSP至少能那回20-30%的退税,TSFA却没有。。。
-webx(打酱油);
2015-2-23
(#9272060@0)
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当然我说的不是在极致情况
-webx(打酱油);
2015-2-23
(#9272132@0)
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A. Will you buy RRSP or how much you need to buy is not based on RRSP 额度. B. Allways consider RRSP first. If RRSP become meaningless, that will be in equal position with TFSA
-jameschen6(梦想农庄-神爱世人);
2015-2-23
(#9271616@0)
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For A, what does it mean by "Not based on RRSP contribution limits" ?
-fuan(更换昵称);
2015-2-23
(#9271746@0)
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A guy might have worked for 20 years and his salary have been 30,000. He has accumulated a lot of RRSP room. I do not think he need to buy a penny of RRSP.
-jameschen6(梦想农庄-神爱世人);
2015-2-23
(#9271928@0)
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That make sense to me
-fuan(更换昵称);
2015-2-23
(#9271949@0)
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每个人的情况都不一样,为什么要always优先rrsp
-m1wm1w(临江仙);
2015-2-23
(#9271813@0)
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Considering \=\ contributingAfter consideration you may give it up
-jameschen6(梦想农庄-神爱世人);
2015-2-23
{38}
(#9271904@0)
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你买多少rrsp,取决于你现在和将来的边际税率。跟你的rrsp额度有什么关系?
-m1wm1w(临江仙);
2015-2-23
(#9271809@0)
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将来的边际税率我是不太知道的。我的理解是RRSP是延税,而TFSA是再也不用交税了
-fuan(更换昵称);
2015-2-23
(#9271924@0)
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不知道就估计,否则,你的买或者不买都是 no reason。延税 is not whole story of RRSP. The objective of RRSP is paying less tax in your whole life through 延税.
-jameschen6(梦想农庄-神爱世人);
2015-2-23
{106}
(#9271957@0)