贷款购买RRSP是否合算 - 加拿大华富理财网
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贷款买RRSP是否合算
Does it Make Sense to Borrow?

       首先这与你当年的个人所得税边缘税率密切相关。假定你的边缘税率是50%。若借$1,000,政府将从税上返还(少收)你$500。你的支付利息通常是prime rate或prime rate加1%,我们这里假定它是7%。这样,你若准备按月一年内归还借款,则每月的应还款为$86.53。因此,总的借款成本将是$38.36($86.53 x 12 - $1,000 = $38.36)。

       再假定你是30岁,并准备65退休。若投资回报为10%,到那时$1000会增长为$28,102,到70岁取养老年金RRIF钱时已增长为$45,230。而你是投入是$1,000减除政府少收的$500税,再加上$38.36的利息,即$538.36。这样的投入回报应该说是很合算。

       但从上述读者也许注意到一般只有在自己当年收入边缘税率较高时才应考虑贷款买RRSP,并且贷款应尽可能快还回,尤其是借贷利率较高时更应如此。此外,安省近年实施减税,最高边缘税率已没有50%,但这对以上的计算没有根本性的改变。

       若需要进一步咨询,可同我们的财务顾问联系(RRSP咨询申请)。

 

Let us assume that you are in the approximate 50% marginal tax bracket.

If you borrow $1,000 the government will give you back $500. Your cost is likely to be prime or prime plus 1%. Let's assume that it is 7% for this example. Over a one year period your monthly payments would be $86.53. The total cost to borrow is $38.36 ($86.53 x 12 - $1,000 = $38.36).

If you are 30 years old and plan to retire at age 65 that $1,000 will grow to $28,102 at 10%. By age 70, when you have to start taking money out in a RRIF it will be $45,230.

So let's add this up. You paid $1,000 but the government gave you back $500 so your net cost is $500. Add to this $38.36 for a total of $538.36. A this is likely to get you $45,230 at RRIF age. So it makes sense to borrow. If need further information or services, you are welcome to contact us.