[친절한 경제] How to legally save taxes before the end of the year

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Friendly economy time. Today (24th) I will be with reporter Han Ji-yeon. Today, are you going to tell me how to legally save some tax?

Yes, there is one product that was most popular and received attention among investors doing settech this year, and that is the brokerage-type ISA account.

As those of you who already know what an ISA account is, you already know, but with one account, you can invest in a variety of financial products, from savings and savings accounts to funds.

Is it out now or not? It was created in 2016 to help build a fortune in an era of low interest rates, but it flashed briefly at first, but was not popular.

However, the number of accounts recently reached 3 million, a record high. Investments also exceeded 11 trillion won. This is because, with the revision of the tax law, a new ‘brokerage-type ISA’ was created that allowed investors to invest in domestic stocks in February of this year.

Financial investment income tax will be introduced from 2023. Currently, I do not pay tax even if I make a profit from selling my stock, but from this point on in 2023, I will have to pay 20%, up to 25%, from the amount after deducting 50 million won.

However, intermediary
ISA account
If you use it, you do not have to pay taxes even if you make a profit by investing in stocks and then selling them. It’s completely tax-free.

Depending on the type of dividend, you may be exempt from tax up to 2 million won or 4 million won. Even if it exceeds this, regular accounts charge 15.4%, but ISA only charges 9.9%.

If the dividend is 5 million won on 60 million won profit, you will have to pay close to 3 million won in tax in a general account, but you only need to pay 300,000 won in tax for an ISA account.

Also, general accounts are taxed on things that are negative or positive in other products. However, the ISA calculates positive and negative gains and losses and is taxed.

For those who invest in stocks, I think that having an ISA account can really save a lot of tax. However, it should be opened within this year. There was a talk like this, right?

I actually brought up the ISA account today to convey this information, but this weekend is over, and there is only one week left. If you want to do Setech, it is recommended that you open a brokerage-type ISA account within today and next week.

The ISA account must be maintained for 3 years in order to be tax-free, and the maximum payment is 20 million won per year. However, you do not have to put it in the year you signed up, or you can transfer it to the next year. So, even if you put in 1 won, you can pay the rest at once later.

If you open it this year and put in even 1 won, you can put in a total of 60 million won three times, 2021, 2022, and 2023. However, if a week passes and the year changes and if you open on or after January 1, you can only pay 40 million won twice, like 2022 and 2023.

The gold investment tax will be applied in 2023, so it would be better to fill it up by then. In the current situation, “Will there ever be a situation where I will have to pay that kind of tax?” You may think like this, but you don’t know people. Even if you do not use it right now, we recommend that you open it within this year.

That’s right. I think it would be much better to open it within this year. So how can I sign up for this?

First of all, you can create only one ISA account per person across all financial institutions and securities companies and banks. Please check if I am registered or not by going to the dormant account integrated inquiry system.

Also, brokerage-type ISA accounts are currently only handled by securities companies. I mentioned earlier that only one account per person is possible. If you want to invest in domestic stocks, you need to cancel the other type of ISA account you already have and then sign up for the brokerage type again.

In the case of an intermediary type, subscription is also possible on mobile. An ISA account requires money to maintain membership.

But when I signed up with my mobile phone, 1 won was automatically deposited. Even if I don’t have any money to deposit right now, I don’t think you need to worry about this.

And each brokerage company is holding various events such as giving pure gold and gift certificates when you open an account.

Reference-news.sbs.co.kr

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