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高收入者怎么降低税率?监护人帐户未成年的投资帐户


去年股市旺,有些人的股票增值了不少,尤其是这些高收入者。这些人若想降低税率,可将股票捐给慈善机构。价格将以捐款时的股价计算,而不是买入的股价计算。如此一来,即可取得多一点的抵扣额,另也不需缴纳增值税,是高收入者省税的好办法。

监护人帐户是监护人为未成年所开设的投资帐户。张青表示,假设夫妻膝下有被扶养的子女,可将增值的股票先送给小孩,从孩子的帐户出售。因为被抚养子女有1100元投资增值收入免税,超过1100元的投资增值收入,也只是按本身较低的税率付税。

夫妇送给孩子的股票市值只要不超过3万元,没有赠予税也无需申报。张青补充,纳税人若在去年尝试创业惨遭失败,创业计画及消费纪录若都在,同样可填表Schedule-C申报,亏损的金钱可拿来抵掉收入。

个人IRA退休帐户通常每年有存款上限,黄杰峰表示,自雇主或S-Corp若去年赚比较多钱,可考虑开设SEP IRA退休帐户。SEP IRA不但没有收入门槛限制,每年的存款上限在5万7000元或25%淨收入以下,看哪个数字比较小。

这样一来,不但可以延税,存款还可作为退休金。值得注意的是,这项退休帐户跟一般的IRA退休帐户一样,59.5岁之前提出将遭10%罚金,取出的钱也必需缴税。(记者 谢雨珊)

高收入節稅竅門 預做財務年檢 報稅指南 世界日报


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