为什么要有延税账号# Stock
e*m
1 楼
最简单的case. 30 year, tax rate 0.3（remaining 0.7）， 10% annual reward
1.
（1+0.1）**30*0.7 =12
vs
(1+0.1*0.7)**30 =7
2.
(1+0.2)**30*0.7=166
vs
(1+0.2*0.7)**30 = 50
3. if you play a little state tax trick （0.1）
(1+0.2)**30*0.7=166
vs
(1+0.2*0.6)**30=29
钱留给自己好。
更别说 其它问题，such as tax lost
其实就算是 early penalty， case 3
（1+0.2）**30*（0.7-0.1）=142
1.
（1+0.1）**30*0.7 =12
vs
(1+0.1*0.7)**30 =7
2.
(1+0.2)**30*0.7=166
vs
(1+0.2*0.7)**30 = 50
3. if you play a little state tax trick （0.1）
(1+0.2)**30*0.7=166
vs
(1+0.2*0.6)**30=29
钱留给自己好。
更别说 其它问题，such as tax lost
其实就算是 early penalty， case 3
（1+0.2）**30*（0.7-0.1）=142