Taxation of investments.

To be more precise, we will talk about the taxation of profits received from investments, that is, the interest that is accrued to you for using your money.

There is no need to explain for a long time that the issue of taxation is quite important, since there are severe penalties for concealing income, and the tax authorities have quite a lot of ways to identify undeclared income.

Therefore, you should know what and how much to pay, or at least how to make the profit from investments legal.

The first place to start is to answer the question - what is subject to taxation? - Everything that is more than 9% per annum in foreign currency and more than 12.5% ​​in rubles. Moreover, the last indicator is variable and is calculated using the formula discount rate for the ruble + 5%, currently it is 7.5 + 5 = 12.5%.

That is, you should take into account what currency you invested in and what amount of profit was received during the year; the year is the reporting period when filing a tax return.

That is, if, for example, you invested money in a hedge fund at the beginning of December and received a profit of 5% in just one month, you do not need to pay anything.

It’s a different story if the profit exceeds the established norms of 9 and 12.5 percent.

Let's look at the taxation of investments using the example of the well-known investment program Index Top 20 ; over the past year, the profit of investors amounted to 103% per annum.

103 - 9 = 94% of profits are taxable.

That is, if you invested $10,000 and received a profit of $10,300, you only pay tax on $9,400.

Now the most unpleasant thing is that the tax rate for Russian residents is 35%; in our case, you will have to pay 9400 * 35/100 = 3290 dollars.

The question immediately arises: how to pay less?

1. Do not report investment income on your tax return at all; trouble may arise if you make large purchases worth 15-20 thousand dollars and cannot confirm the source of income.

Investment companies themselves do not hand over their clients to the tax authorities without a corresponding request. 2. Reduce the amount of taxation - there is a practice according to which you can pay less taxes if you include such items as expenses when filing a declaration - treatment, training, charity, etc.

3. We optimize the withdrawal of funds - there are quite a lot of options, withdrawal to a plastic card of an investment fund, withdrawal to electronic payment systems with subsequent cashing, withdrawal of profits to accounts in foreign banks.

Taxation of investments has another important aspect: if interest is calculated monthly, taxes should also be paid every month, interest at the end of the term - taxes at the end of the contract term.