Whether to pay taxes in the future depends on whether there are new regulations. At present, banks do not withhold relevant taxes and fees, and there are no specific regulations in State Taxation Administration of The People's Republic of China.
The Notice of State Taxation Administration of The People's Republic of China, Ministry of Finance of People's Republic of China (PRC) on Several Tax Exemption Policies for Personal Financial Commodity Trading stipulates that the income obtained by individuals (including individual industrial and commercial households and other individuals) from buying and selling foreign exchange, marketable securities, non-commodity futures and other financial commodities is temporarily exempted from business tax.
Personal financial products refer to financial products designed and sold by commercial banks for qualified individual customers, including stocks, funds, futures, foreign exchange, bonds, insurance, gold, lottery and other channels.
First of all, the baby class
The "baby" wealth management products represented by Yu 'ebao rank first among microfinance products, and now it is one of the most popular microfinance products.
Advantages: For Yu 'ebao products, Yu 'ebao is convenient to transfer money, and the income is higher than the bank interest rate. You can also check your daily income, which is very convenient to use.
Disadvantages: Compared with other wealth management products, the yield is low. The link with Tmall is strong, it is used too frequently, and it is too convenient to transfer out, so it is easy to "buy from buy buy".
Second, P2P financial management
P2P is an innovative investment and wealth management product that combines innovative technologies such as Internet and micro-credit products with financial operation mode. Like p2p wealth management products, the expected annualized income is 8%- 12%, which has many advantages such as low investment threshold, flexible term and convenient cash withdrawal. You can choose a safe and reliable platform for purchase.
Advantages: annualized income of 8%- 14%, low initial investment (initial investment 100 yuan), flexible bidding period and various options.
Disadvantages: Compared with bank wealth management and baby wealth management products, p2p wealth management risks are relatively high, so it is very important to choose a reliable platform.
Three. Fixed investment of funds
Fund fixed investment business, ranging from 100 yuan per month. In addition to physical gold, the "gold fixed investment" business similar to the fund's fixed investment has also attracted investors' attention. For example, in ICBC's "accumulated fund" business, gold can be purchased at the daily average price at the lowest 200 yuan per month, and the purchase cost can be shared equally to the maximum extent. Not only can the accumulated agreement be terminated at any time, but a certain amount can be accumulated and exchanged for physical gold at the bank.
Advantages: annualized rate of return is higher than bank savings.
Disadvantages: There are certain risks.
Fourth, gold.
At present, banks have a variety of gold investments, including physical gold bars, paper gold, deferred transactions and so on. If you have money on hand and want to try a little steady investment, you may wish to invest in gold with a small amount of money.
Advantages: Gold bars have the function of preserving value and have a certain effect on resisting inflation.
Disadvantages: The gold market fluctuates greatly and there are certain risks.
5。 bank investment
Bank financing includes saving and purchasing bank financing products. Many white-collar workers also rely on savings. Different types of deposits have different initial deposit amounts, such as demand 1 yuan and fixed-term 50 yuan. There are 1 year, 3 years and 5 years on a regular basis. There is basically no risk and the safety is relatively high.
The other part purchased bank wealth management products, with an investment of 50,000 yuan, with an annual yield of about 5%.
Advantages: Absolutely safe, unless the bank fails.
Disadvantages: the annualized rate of return on savings is very low, but it can't run CPI；; The threshold of bank wealth management products is high, with 50,000 investment.
I hope the above content can help you. Please consult a professional lawyer if you have any other questions.
Legal basis: People's Republic of China (PRC) Tax Collection and Management Law.
Article 1 This Law is formulated with a view to strengthening the administration of tax collection, standardizing tax collection, safeguarding national tax revenue, protecting the legitimate rights and interests of taxpayers and promoting economic and social development.
Article 2 This Law is applicable to the collection and management of various taxes collected by tax authorities according to law.
Article 3 The collection, suspension, reduction, exemption, refund and supplementary payment of taxes shall be carried out in accordance with the law. Where the State Council is authorized by law, it shall be implemented in accordance with the administrative regulations formulated by the State Council.
No organ, unit or individual may, in violation of the provisions of laws and administrative regulations, arbitrarily make decisions on tax collection, suspension, tax reduction, exemption, tax refund, overdue tax and other decisions inconsistent with tax laws and administrative regulations.
Article 4 Units and individuals that are obligated to pay taxes according to laws and administrative regulations are taxpayers.
Units and individuals that have the obligation to withhold and pay taxes according to laws and administrative regulations are withholding agents. Taxpayers and withholding agents must pay taxes, withhold and remit taxes and collect and remit taxes in accordance with the provisions of laws and administrative regulations.