引用:
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作者: Tiger04
It is not that simple.
If you do not pay Mortgage, you have to pay 5-6%的年利息 every year!
If you buy RRSP, you 少付22%的税款 one time only, plus you have to pay some 税款 later whenever you withdraw.
4 years of 5-6%的年利息 = 22% one time.
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I agree with you on this: it is not that simple. However, the rest of your post, I can't agree with.
1. Money put in RRSP are going to get its returns tax defered;
2. I can call back ALL the tax later when you are taking money out of the RRSP account. What you need is just a good strategy.