"假设你有$100,000元投资于Mutual Fund, 以7% 复利增长,20年后大约有$400,000,其中 $100,000是本金, $300,000是资本增值(Capital Gain). 如果这笔钱在RRSP中, 取出$400,000都是100%要交税的, 但如果是在Corporate Class Mutual Fund中, 本金$100,000不交税, $300,000 资本增值(Capital Gain) 只有50%交税, 即$150,000是taxable income. 比较RRSP中$400,000 taxable income, 孰好孰坏, 一目了然"
This is a good point, but we have to take this factor into consideration when making comparisons: for RRSP, you are using before-tax money; for equity mutual fund, they are after-tax bucks.