The income of 4 days of 6000 ten million may be done not have with us how old relation.
But below this country wealth piece the announcement of the ministry, can be the problem with our be closely bound up.
Before before long, dispatch of national treasury department announces:
Since May 1, 2018, in Shanghai, Fujian Province (the retail sales that contain mansion) with area of Suzhou industry garden, executive individual taxation is given delay model commercial endowment insurance is pilot, pilot time is provisional a year.
Through capital of individual business provide for the aged to pilot area individual account buys the defray of the product of commercial endowment insurance that accords with a regulation, allow to be deducted before the duty inside certain level; Plan the yield that enters account of capital of individual business provide for the aged, of short duration does not impose individual income tax; The individual imposes individual income tax again when annuities of the commerce that get.
A duty of every months of pay also be a not small defray,
How to reduce ratal to spend legally,
Increase the income after duty,
It is the topic that is versed in firewood a group of things with common features cares most.
Now, can reduce the individual duty that pay tax to delay danger of provide for the aged to come!
What is duty extends endowment insurance?
Duty extends a place difficult of access of commercial provide for the aged is by the provide for the aged of a kind of commerce of insurance company accept insurance annuity is sure.
Cast namely for simple point protected duty to extend endowment insurance, your partial individual income tax, can delay be late hand in again when the annuities that get.
Be equivalent to on certain level " reduce tax " .
What differs with general endowment insurance?
Duty is delayed model the largest part that endowment insurance is different from general endowment insurance, depend on duty delaying model provide for the aged can adjourn pay tax.
"Duty is delayed " it is to point to delay pay taxes, this taxation, in future you get old-age pension when, still want to hand in.
Pay of how many money can you deduct from inside salary?
We know, different income interval, computation of tax tax rate is different also.
Average income is higher, a tax that pay is higher also.
And once you bought duty to extend commercial endowment insurance, so when computational individual income tax, allow the insurance cost this one part, deduct from inside the salary before duty inside certain limits.
Etc capture individual income tax fills again when old-age pension is being gotten after retiring.
Allowing deduction portion is limited specified number, for instance of the individual deducting limitation is with the 6% computation when income of pay of monthly wages pay, successional service, 1000 yuan seal a top, namely most every month 1000 yuan.
We will look, instantly of class of each income layer is highest section taxes forehead:
That is to say, you can be in every month in your account, most lay off comes 1000 yuan pay business is safe, saved forehead of these 1000 yuan pay of individual income tax to spend thereby.
So the annuities that get when need capture Where is how many duty?
Achieve the commercial pension income that receives when rated condition to the individual, among them 25% parts give duty-free, the others 75% parts are calculated according to the scale tax rate of 10% pay individual income tax, imposition plan is entered " other income " project.
That is to say, you come with 1000 yuan of amount with every tax-exempt month pay insurance cost, when when getting gold of danger of be bailed out, of these amount 25% it is duty-free. The 75% need pay that remain the individual income tax of 10% .
Whole calculates come down, was equivalent to cash of your this share paying the tax of 7.5% only! very be to one's profit.
Cite a case, understand more easily
Small jade is in deduct 5 danger after one gold, salary is 17000 yuan, the interval tax rate of correspondence of individual income tax is 25% , want pay originally 2370 yuan of individual income tax;
If small jade bought individual duty to extend a place difficult of access of commercial provide for the aged, according to policy, the duty-free specified number that has 1000 yuan every months (reason presses income tax of 16000 yuan of computation) , so individual income tax turns into 2120 yuan, that is to say the individual income tax of the pay after duty delays policy to help small Yu Yan is every months 250 yuan, one year 3000 yuan;
Should when so small jade gets old-age pension after 20 years, fill how much to hand in?
Small jade a month delimits pay of 1000 yuan of pay is sure, handed in 20 years, place pay insurance cost is:
1000X12 month X20 year =240000 yuan.
And according to the levy regulation when the annuities that get (75% parts press the pay of computation of scale tax rate of 10% duty)
240000X75%X10%=18000 yuan.
Each years to small jade 3000 yuan of ratal below the province are spent. Word of 20 years, small jade ought pay 60000 yuan of individual income tax.
60000-18000=42000 yuan.
Defer pay not only, returned a province finally to leave money of 42000 yuan of tax, be equivalent to additional earned!
And the rate that increases inflation, 18000 yuan of the pay after 20 years a duty value, far under now!
The most important is, small jade is successive the commercial endowment insurance of 20 years of pay, there also is profit in ceaseless appreciation.
Simple for, buy duty to delay model danger of provide for the aged is in show level to be able to help you reduce duty to lose.
In bought process, return the rise in value that can quicken annuities.
When you are gotten, derate one part duty is lost.
In addition, money of brushstroke of every month pay, when retiring to you, the profit that increases a product (this accrual can be to press compound interest calculative! Compound interest! Compound interest! ) , that can be a large sum of money! Real interest is taxpayer to good.
When to get this part old-age pension?
" announcement " point out, when the emeritus age that reachs national regulation when the individual, can press a month or press annuities of year of the commerce that get, in principle of the deadline that get is lifelong or not less than 15 years. The individual die, total damage that produces insurance contract agreement or meet with contract major disease, can annuities of the one-time commerce that get.
Meeting concern met some people so old money cannot be answered this, can be at ease completely at this o'clock actually!
Be gotten entirely than spending him pay specified amount like a person, want to return be still living and in good health only, that still is met according to before the forehead that get is spent continue to get, till die (hope everybody lives to be 500 years old! )
If a person has not been gotten,died, his heir can continue to get;
Namely the money of your pay won't hit water to float absolutely, the money in assuring account can be returned completely still!
What insurance product is inside pilot limits?
Product of individual business endowment insurance is pressed dovish model the product is given priority to, risk product is complementary principle choice, adopt directory means to decide.
Pilot the product during is to point to develop by insurance company, accord with " dovish, long-term lock decides profit, lifelong get, essence of life calculates a balance " principle, contented ginseng protects a person to be opposite the product of commercial endowment insurance of security of capital of account of provide for the aged, profitability and demand of long-term sex government.
Where to buy? How to buy?
Be in 3 places at present pilot. Shanghai, Fujian Province (the retail sales that contain mansion) with area of Suzhou industry garden, deadline is provisional a year, roll out to the whole nation again after pilot maturity.
Specific the company is bought in which, involve management aptitude, still need to wait for silver to keep watch final document.
But taxation is given delay model development of product of commercial endowment insurance is how-to already clear, participate in duty to engage the insurance company with pilot endowment insurance, ought to superintend a regulation according to how-to requirement and concerned insurance product, development designs duty to delay endowment insurance product, the sale just can appear on the market after the duty that accords with a requirement delays endowment insurance product to win approval.
After waiting for a product to appear on the market, can buy by the following measure:
Although just be in partial ground this,the area undertakes pilot,
But affirmative henceforth meeting gains ground slowly,
Duty delays the occurrence of danger of provide for the aged, very will large possibility is become
People has the long-term investment, right choice that lays in provide for the aged!
It is good this to hurry the message tells the friend beside!
