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. a tax adjustment of the threshold to 1,600 yuan, corporate employees will benefit. Wage income tax reduction of the existing financial management products, and which can be tax-free? The hearts of taxpayers should have a plan.

. personal income tax threshold to 1600 yuan in the next ordinary working-class real wages will get to a certain extent. If the monthly wage to 3,000 yuan, according to a new standard taxable amount of 115 yuan, less than 90 yuan tax.

. wage income tax saved, then the public investment in a reasonable time how to tax? What are the financial products to be exempted from personal income tax? From the risks and benefits and so on, how to choose the most suitable for their own products?

. education savings: discount rate 25%

. education savings is one of the characteristics of the largest state tax exempt interest, such a single, education savings realized interest income than other types of high-grade reserve of more than 20%. In addition, the education savings Lingcunzhengqu as the savings and enjoy the Lump-sum interest rates, which count one, the interest rate margin of preference in more than 25%. Policies and regulations, the fourth-grade education, participate in the above can start saving up to the principal can not be more than 20,000 yuan.

. experts suggested that in order to get the country duty-free concessions to maximize the effectiveness of, first of all, it is necessary to limit as much as possible by foot. Second, each about as far as possible to keep rates higher, so that the interest be tax-free and also a little bit more.

. Administration of Taxation and the People's Bank of China, the Ministry of Education jointly issued a few days ago "education savings deposit interest income exempt from personal income tax be implemented", from December 1 this year, will go into effect. The new approach clearly, being non-compulsory education in school, studying full-time in high school (secondary), college (college), master's and doctoral students, each of the stages of learning can enjoy a savings of 20,000 yuan for Education --- If you keep preferential duty-free 6-year, 20,000 yuan to 144 yuan duty-free.

. security: . . . . . mobility: . . profitability: . . Investment Guide: perennial major banks for education savings.

. bonds: tax-free bonds, corporate bonds can not help

. bonds are a variety of financial channels of the most safe, secure types of investments. In the second half of this year, issued a few certificate bonds carry a coupon interest rate and savings banks in the same period, without considering tax, or bonds with higher investment value. In order to buy 10,000 yuan respectively, the 3-year, 5-year treasury bonds, for example, after the expiry of the public can receive 972 yuan, 1,800 yuan interest rates, deposit more than the same period was 194.4 yuan, 360 yuan of interest. Investment book-entry treasury bonds, but also on the basis of market interest rates and other factors determine the price in buying low, sell high, in trading on the secondary market to make the difference.

. personal investments and the current corporate bond holders made after the expiry of the interest income should pay 20% of the personal income tax. Although corporate bonds carry a coupon interest rate slightly higher than the nominal interest rate of treasury bonds, but after deducting the actual income tax rate but lower than the latter.

. security: . . . . . mobility: . profitability: . . investment guidelines: each issue of bonds, in banks, securities purchased. Year book-entry treasury bonds can be purchased in the secondary market.

. Fund: the most stable currency-

. due to the Fund's dividend, dividend income and corporate debt, by the listed companies to distribute funds to the era of paying 20% withholding income tax, the allocation of funds to individual investors will no longer be paying personal income tax withholding.

. Nowadays, the public can invest in open-end funds are stock funds, bond funds and money funds. To the IMF, for example, is a kind of liquidity, the principal of the security of investment products. Because of its free purchase Redemption fees and charges, so varieties of the Fund in the minimum transaction costs. While the IMF's annual income dropped to below 2%, but do not pay taxes, than the one-year after-tax savings deposits to higher earnings.

. and now the banks to issue RMB financial products, as the country has not yet introduced the policy of withholding personal income tax, current customers of such products still need to take the initiative to declare the tax.

. security: . . . . mobility: . . . . profitability: . . . Investment Guide: Hua agencies, cash, cash earnings in Bo when the IMF in a good performance, also recently started selling the ABN AMRO Xiangcai IMF, and so on.

. Trust: earnings are high-risk

. Trust products in general can yield more than 4%, some types of real estate trust income is more than 5%. Trust the product is much higher than the risk of savings bonds, but lower than the stock market and equity funds. At present, the tax department of the trust's income to pay personal income tax is still no requirement.

. Trust higher starting point for the product, but also a certain risk, but some pretty good return on earnings, investors can buy partner.

. security: . . . mobility: . . profitability: . . . . Investment Guide: At present, Shanghai has China and Thailand, Warburg, the country voted on, and so love to build some trust issue from time to time various types of trust products .

. insurance: compensation, are tax-free interest

. in accordance with the relevant provisions of the law, people buying insurance that they can enjoy tax benefits of the three: First, businesses and individuals in accordance with the provisions of state or local government to extract the proportion of the designated financial institutions to pay the housing provident fund, medical insurance, non - Individual's current wage, salary income, personal income tax exemption; Second, because of personal compensation insurance claims is losses suffered tragic accident, not part of personal income, personal income tax exemption. Third, in accordance with the provisions of national or provincial-level local governments to pay the proportion of the housing provident fund, medical insurance, basic endowment insurance and unemployment insurance funds into personal bank accounts made by the interest income is also exempt from personal income tax.

. In addition, various insurance companies in recent years been introducing the type of insurance dividends is also not pay taxes.

. security: . . . . mobility: . . . profitability: . . . Investment Guide: Life Insurance Company, the general categories of insurance products are dividends, you can choose according to personal circumstances.

. Fund: pay May be tax

. accordance with the relevant provisions of the monthly payment of the housing accumulation fund from the pre-tax deduction, which means housing fund do not have to pay taxes. "Fund management" show that the individual is able to pay the supplementary fund, so people can increase their housing provident fund to reduce the total amount of wages, thereby reducing the personal income tax should be paid.

. told reporters in the banking sector, in theory, people can increase their housing provident fund to reduce the total amount of wages, thereby reducing the personal income tax should be paid. The reason is that the theory, because the assumption that units are willing to increase their own personal housing accumulation fund paid by individuals --- from month to pay 200 yuan to 300 yuan on cross-unit subsidies will have from 300 to 200 yuan per month Million.

. security: . . . . . mobility: . profitability: . . investment guide: If you can achieve, "in theory", provident fund or to pay more cost-effective.