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Living treasure

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Cash treasure

All kinds of babies give people another choice in investment and financial management. So, do these "Bao Yue" people pay personal income tax according to the expected annualized expected income?

According to the Notice of the Ministry of Finance and State Taxation Administration of The People's Republic of China on Tax Issues Concerning Open-ended Securities Investment Funds, it is clear that no individual income tax and enterprise income tax will be levied on the income obtained by investors (including individual and institutional investors) from fund distribution.

Similar to "Yuebao", linked to related funds. Users can directly purchase wealth management products such as funds on their websites. For example, "Yu 'ebao" is equivalent to buying money fund products of Tian Hong Fund Management Company, so it is similar to buying ordinary fund products, and there is no need to pay taxes.

"For investors, compared with traditional financial wealth management products, Internet financial wealth management products only have different purchase channels and methods, so there is no essential difference between individual taxes." Zhang Bin, director of the Tax Research Office of the Institute of Finance and Economics of China Academy of Social Sciences, said.

Everyone has different needs to buy government bonds, bank savings and stocks, and they choose different financial management methods. From the tax point of view, there are many preferential policies for residents' financial management.

In the purchase of treasury bonds, China's individual income tax law clearly stipulates that "interest on treasury bonds and financial bonds issued by the state" is tax-free and protected by law.

Residents who are used to bank savings also enjoy tax incentives. From June 2008 to October 2008 10, China temporarily exempted personal income tax and interest tax on interest income from savings deposits.

Looking at the income from stock trading, there is no need to pay the spread tax for buying and selling stocks, but stamp duty is required. If several natural persons * * * set up a partnership and buy shares of a listed company for dividends, they need to pay a tax.

In addition, if residents buy commercial insurance, the insurance indemnity they get is also exempt from tax, which is also written into the personal income tax law.