The individual investment account - a simple way to save money and return taxes

Probably everyone wondering how to save up for a big purchase or just to save their money from inflation. Bank deposit? It is possible, but the yield is not very high. In addition, it would be desirable that money to work for you, rather than the bank. Securities? Not bad, but beginners think that this is difficult. Today we tell about a clear and accessible their savings management tool.

On January 1, 2015, every citizen of the Russian Federation can open a brokerage or management company personal investment account, the funds from which will be used exclusively for securities. Why is it needed and what gives advantages, explains an article based on proceedings of the training portal "investments 101».

What is IMS

Federal Law "On the Securities Market" identifies an individual investment account as the expense of internal accounting, which is designed to separate accounting of funds, client's securities - a natural person, as well as obligations under the contracts concluded at the expense of the said client.

Simply put, it is a brokerage account with special conditions to the owner. What conditions? Firstly, loyal tax regime. account owner can reduce the burden on earnings from the main place of work or do not pay taxes on income received from the investment. Second, the account is opened for a period of three years. You can withdraw the funds earned in the past, but then lost the right to benefits.

For long-term investment is a very handy tool: you get the opportunity to earn dividends or the sale of shares as well as additional revenue in the form of a tax deduction.

Open an investment account can be a brokerage or management company, accredited by the Moscow Exchange. If you have decided to change the company, at the time of conclusion of the contract with the new broker just specify that you already have a valid IMS. The maximum amount that may be made to the account during a calendar year, to get the benefits - 400 000 rubles.

According to the authors, this measure should attract the attention of private investors, including beginners, to the possibilities of the Russian stock market. It has long been thought about to start working with securities? That's an additional argument in favor of early entry into the ranks of investors.

How do I get a deduction

In the account owner has two options receive sums deducted. This decision should be approached responsibly: selecting one preferred type of change for the current IMS has not come out.

Tax deduction type A

In the first case, you can get an annual deduction of tax on personal income, equal to the amount made to the tax period in the investment account.

This option is suitable for those who have investment is not the main means of income. If the main job for the year you get more than from securities transactions, safely choose this type of deduction. Please note that the amount of compensation is calculated at the end of each year, that is, you can not update your account once every three years, and then to receive benefits. How much money in the last tax period received on your IIS, just enough and reduce the tax base.

Tax deduction type B

The second way to obtain a deduction exempt from tax oppression amount you earned as a result of bidding for the entire period of existence of the account. That is at least three years, you quietly buy and sell shares (or is it for you to make the management company) and all this time, do not pay taxes. Moreover, you do not pay them and then: when funds are withdrawn profit fully exempt from taxation.

This option is good for people who do not pay personal income tax. If you are going to open an account in the name of their child that in the future he will have sufficient starting capital for entering adulthood, type B is ideal. The upper limit in the term of operation of the account is not present, so that it can be used even to prepare a financial safety cushion for retirement. If good governance means the result is very, very happy.

Benefits of working with IIS

• The main argument in favor of an individual account - guaranteed profitability. Tax compensation you receive, regardless of how many have earned on securities transactions.
• Into the hands of the owner plays a strictly limited duration of storage of money. If you want to open an account to collect money there for large purchases - an apartment, for example, or the car - this restriction will help to reach the goal and do not pull on the accumulation of all the small stuff.
• This method of preservation and augmentation of capital suitable for those who are just starting their way in the world of investments. After training in the portal "investments 101", Learn the theory and learn to apply it in practice by means of the exchange simulator. After that, you can safely open an account and manage their assets independently.

Competently handle their finances should be able to every one of us. we often prevent fear and lack of information, but you can not endlessly go on about these excuses. All the time while we were slow and did not dare to make a choice, our money to work and be profitable. The conclusion is simple: if you can learn to manage their savings, it is stupid to miss.

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