本帖最後由 peter236 於 2009-10-22 00:53 編輯
Biggest difference is, compared to HK, US has a much higher tax rate, and both 401k and HSA are registered tax shelters, thereby providing both instant and longer term financial incentives to the pla ...
Lik 發表於 2009-10-22 00:32 
Your campbell soup government is going to squeeze you dry with the HST. If the US/Canada want to provide a tax shelter, why don't they just reduce the tax rates now, instead of implementing high tax rates and then give you a little tax shelter? The complicated tax system here is very inefficient. Here you still have the CPP.
Hong Kong's system is actually very good for the long term planning of the retirement of the aging population. It is good for people who work for small companies that do not have company sponsored pension schemes. It is also tax deductible, unlike what you claimed.
Please see:
http://www.mpfa.org.hk/english/abt_mpfs/abt_mpfs_fms/abt_mpfs_fms_tc/abt_mpfs_fms_tc.html |