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RESP最大的好处:管住手,因为买卖美股汇率一个来回损失5%左右;所以买了东西就长持在里面,可能能赚更多。
最大坏处:钱失去流动性收益100%算税,这钱10多年在账户里是数字,没有流动性。而且取出100% 算小孩收入,而现金账户收益50%算税。