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储蓄存款利息征收个人所得税,于今年11月1日开征。那么,对于工薪族来说,开征利息税后,应当如何投资理财呢? 分清名义利率与实际利率的区别。由于开征利息税与降息不同,前者是在原有利率不变的前提下对产生的利息征税,后者是对原有的利率进行调整,故开征利息税后产生了名义利率和实际利率。以1万元1年期存款为例说明:目前年利率为2.25％,1年利息收入为225元,按20％的税率应缴纳45元利息税,相当于年利率下降
Interest on savings deposits personal income tax levied on November 1 this year, the introduction. So, for wage earners, after levying interest tax, how to invest in financial management? To distinguish the difference between the nominal interest rate and the real interest rate. As the introduction of interest tax and interest rates are different, the former is in the original interest rate unchanged under the premise of the interest generated by taxation, the latter is to adjust the original interest rate, so after the introduction of interest tax have a nominal interest rate and real interest rates. Take 1-year 1-year deposit as an example: At present, the annual interest rate is 2.55%. The interest income for one year is 225 yuan. The interest tax of 45 yuan should be paid at the rate of 20%, equivalent to the decrease of the annual interest rate