The individual investment account allows you to receive a return on investment and return to 52 thousand tax deduction each year. We understand how it works, now ITI Capital.
What is an individual investment account?
IMS - a brokerage account with special conditions to the owner. It can be used to invest in financial instruments with high potential returns.
In addition, IMS allows you to receive an additional income at the expense of the tax deduction. So the state encourages the Russians not to keep money under the pillow, and put them into the economy and buying securities.
And how does it work?
IMS opens through a brokerage company. For example, this can help ITI Capital. Score will be registered on the Moscow stock exchange. After that, it will need to make money - not more than 1 millionFederal Law "On Amendments to Article 10.2-1 and 20 of the Federal Law" On the Securities Market "dated 18.06.2017 N 123-FZ per year, and only in rubles. The minimum size is unlimited contribution. Money transfer is permitted both at once, and parts.
Funds can be invested in stocks, bonds, currency. The right to issue tax deduction you get at the beginning of next year, and will be able to dispose of the money at once, as soon as they will list: they will not come at the expense of investment, and to your bank.
Money from the IMS is better not to display the next three years, or lose the right to tax deduction.
To open an individual investment account, you must be a tax resident of the Russian Federation - to be in the country for at least 183Article 207 of the Tax Code. taxpayers days throughout the year (the exception - the military and civil servants who are abroad for work).
So there is a tax deduction?
According to lawArticle 219.1 of the Tax Code of the Investment Tax Deductions winner of the individual investment account can be paid back to the state income tax. Fully or partly - depending on several factors.
There deduction type B, in which the tax-exempt income from securities transactions. This option is suitable for experienced investors who are planning to actively trade.
Beginners should choose a deduction type A. In this case, for three years you will return annually to 13% of the amount you have on the IMS for the previous calendar year. However, there is a limit: The maximum amount with which you can get a deduction of 400 thousand rubles. That is, you will return no more than 52 thousand a year.
It is important that the state does not give money, and returns them to you paid tax on personal income.
That is, you must have official income from which are giving 13% to the state. To return more money than you have given, you can not.
In the first year of your salary before taxes amounted to 29 thousand rubles. During the year you pay 45 240 rubles on account of personal income tax. Although the deduction can be obtained 400 thousand, you return only 45 240 rubles, which, however, is already a lot.
In the second year you-invoiced 44 000 per month. PIT was 68 640 rubles. You will receive a maximum deduction of 52 thousand rubles.
In the third year you can return 13% of the 200 thousand - 26 thousand.
Accordingly, in order to obtain the maximum tax deduction of 52 thousand rubles per year, enough to have a salary of 33,334 rubles to the deduction of personal income tax.
You can return the income tax in the next year. But you need to have time to open an individual investment account and transfer money on it until the end of December.
It is better not to delay the opening of the account until the last moment: take another day to IMS registered on the stock exchange. If you have time, then in January you will be able to submit documents to the tax office for a tax deduction.
open IIS
Open IIS can be in the next year, only in this case the personal income tax return will have to be postponed for 2020 th.
I can open a deposit in the bank and earn interest, why do I need IIS?
If you have savings, you do not need in the next three years, an individual investment account - a great alternative to long-term deposits.
On IIS, you can report not only 100 thousand savings, but the money received in the form of a tax deduction. In this case, in the second year you deposit 119 500, in the third - 115 535 rubles. As a result, in three years you remove from the account 385 035. Add to them the last deduction in the amount of 15 thousand, and at the hands of you will have 400 thousand rubles.
The yield difference with a small deposit. But with the help of an investment account, you will be able to make extra money on securities transactions, and the contribution you such an opportunity will not. So, potentially with IIS, you can get much more.
I do not understand the securities, how do I invest?
The broker usually offers finished products, which help to invest profitably. With the help of professionals who are knowledgeable in securities, you are more likely to choose options with high potential returns. For example, ITI Capital company analysts offer their customers more investment options with different input threshold.
One of the options - model portfolios. It is a turnkey solution for the investor, a set of securities of several companies. Analysts make it in view of the risks and potential profitability of stocks and bonds. Owner of IMS may itself select the appropriate portfolio to him.
As always, when it comes to securities, the greater the potential return, the higher the risks. Potential yield model portfolios with an average level of risk is up to 48% per year. To start investing with these products, it is sufficient to have on IMS of 50 thousand rubles.
For example, you decide to choose the strategy with the lowest risk and invested 100 thousand in the model portfolio. Bonds accrued coupon income. According to analysts, the year your portfolio will cost 9% more - 109 thousand rubles. You will also receive more 13 thousand - a tax deduction of 13% from the brought sum. Thus, you will increase the capital by 22 thousand rubles. If you put money in a bank deposit at 6%, it would have received a total of 6 thousand rubles.
If you can pay attention to on an individual investment account is 300 thousand rubles, structured products with absolute capital protection. Their potential return is 28% per year. You choose your own asset investment period and can predict a change in its price. If the forecast comes true, you will be able to earn.
But even if the strategy did not pay off and you will not receive income, the invested funds will still return to the full: an agreement with ITI Capital guarantees the protection of capital. Tax deduction you too can get.
But shares rose 24%. If the participation rate of 50% you earn 12% of investments - 48 thousand rubles. In view of returning the tax deduction in the amount of 52 thousand rubles, you've got to IMS 100 thousand rubles. Invest in structured product is safer than in the shares of "Gazprom" directly: if you just bought the securities, and they fell, you would lose a part of the invested.
Conservatives can always invest in a federal loan bonds (OFZ). Buying them, you lend your money to the state, so the risk of losing them is minimal.
The annual yield of OFZ is now estimated at an average of 8%The Ministry of Finance, federal loan bonds - higher than on deposits. Do not forget about the tax deduction of 13% of the invested amount.
IMS - a good opportunity to start investing for those who never did. If you open an account now, the first financial results can be seen as early as next year.
open IIS