[Tiger04]

作者: 游夫

这个问题还要讨论吗?
少PAY MORTGAGE,多支出5-6%的年利息.
多买RRSP,.
当然是后者优先了.可惜每年RRSP是有限额的.因此,可以这样安排资金:先买足RRSP,剩下的还MORTGAGE.当然如果年收入不多,不买RRSP税都能退回来,就暂时不用买当年的RRSP,把额度留到以后年收入高的年份再多买RRSP.
有人会说,RRSP到你取出来的时候要付税.那是对退休后每年仍有大量收入的人而言,对大多数平民来说,退休后收入有限,取出的RRSP基本不需再付多少税.

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.