Personal financial products are not subject to tax for the time being.
Whether you have to pay taxes in the future depends on whether there are any new regulations. At present, banks do not withhold relevant taxes and fees, and the State Administration of Taxation has no specific regulations.
The "Notice on Certain Business Tax Exemption Policies for the Purchase and Sale of Personal Financial Products" issued by the Ministry of Finance and the State Administration of Taxation stipulates that individuals (including individual industrial and commercial households and other individuals) engaged in foreign exchange, securities, non-profit Income from the trading of goods futures and other financial products is temporarily exempt from business tax.
Personal financial products refer to financial products designed and sold by commercial banks to qualified individual customers when conducting personal financial services, including stocks, funds, futures, foreign exchange, bonds, insurance, gold, lottery and other channels .
1. Baby category
The "baby" financial products represented by Yu'ebao are firmly ranked first in the ranking of small-amount financial products and are now very popular small-amount personal financial products. One of the products.
Advantages: Yu’e Bao products are easy to transfer, and the income is higher than bank interest rates. You can also check the daily income, which is very convenient to use.
Disadvantages: Compared with other financial products, the rate of return is lower. Strong link with Tmall, too frequent use, too convenient to transfer out, prone to "buy, buy, buy" situation.
2. P2P financial management
P2P is an innovative investment and financial product that integrates innovative technologies such as the Internet and small financial products and financial operation models. P2p financial products, with expected annualized returns of 8%-12%, have multiple advantages such as low investment thresholds, flexible terms, and convenient cash withdrawals. You can choose a safe and reliable platform to purchase.
Advantages: annualized income of 8%-14%, low starting investment amount (minimum investment of 100 yuan), flexible bidding period, and multiple options.
Disadvantages: Compared with bank financial management and baby financial products, p2p financial management has relatively high risks, so it is important to choose a reliable platform.
3. Fund fixed investment
Fund fixed investment business, ranging from more than 100 yuan per month. In addition to physical gold, the "gold fixed investment" business similar to fund fixed investment has also attracted the attention of investors. For example, ICBC's "accumulation gold" business allows you to purchase gold at the average daily price with a minimum of only 200 yuan per month, which can spread the purchase cost to the maximum extent. Not only can the accumulation agreement be terminated at any time, but it can also be exchanged at the bank after accumulating a certain amount. Physical gold.
Advantages: The annualized rate of return is higher than bank savings
Disadvantages: There are certain risks
IV. Gold
Nowadays, various banks There are a wide variety of gold investments, including physical gold bars, paper gold, deferred transactions, etc. If you have money on hand that you won’t need for the time being, but want to try some steady investment, you might as well use a small portion of your funds to invest in gold.
Advantages: Gold bars have a value-preserving function and play a certain role in resisting inflation
Disadvantages: The gold market is volatile and there are certain risks.
5. Bank financial management
Bank financial management includes savings and the purchase of bank financial products. Many white-collar workers also rely on savings. Different types of deposits have different starting deposit amounts, such as 1 yuan for current deposits and 50 yuan for regular deposits. Regular terms are available in 1, 3 and 5 years. There is basically no risk and the security is relatively high.
The other part buys bank financial products, with a minimum investment of 50,000, and an annual rate of return of about 5%.
Advantages: Absolutely safe, unless the bank goes bankrupt
Disadvantages: The annualized rate of return on savings is very low and cannot beat CPI; the threshold for bank financial products is high, with a minimum investment of 50,000
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I hope the above content can be helpful to you. If you have any other questions, please consult a professional lawyer.
Legal basis: "Law of the People's Republic of China on Tax Collection and Administration"
Article 1 is to strengthen tax collection management, standardize tax collection and payment behavior, and ensure national tax revenue , This law is formulated to protect the legitimate rights and interests of taxpayers and promote economic and social development.
Article 2 This Law shall apply to the collection and management of various taxes levied by tax authorities in accordance with the law.
Article 3 The levy, suspension of tax collection, tax reduction, tax exemption, tax refund, and tax repayment shall be implemented in accordance with the provisions of the law; where the law authorizes the State Council to stipulate it, it shall be implemented in accordance with the provisions of the administrative regulations formulated by the State Council.
No agency, unit or individual may violate the provisions of laws and administrative regulations by arbitrarily making tax levies, suspensions, tax reductions, tax exemptions, tax refunds, tax repayments, and other measures that conflict with tax laws and administrative regulations. Decide.
Article 4 Laws and administrative regulations stipulate that entities and individuals with tax obligations are taxpayers.
Laws and administrative regulations stipulate that entities and individuals with the obligation to withhold and pay, collect and remit taxes are withholding agents. Taxpayers and withholding agents must pay taxes, withhold and remit taxes, and collect and remit taxes in accordance with the provisions of laws and administrative regulations.