High-income individuals have different sources of income. The tax rate as high as 45% of wages is really a headache. We know that personal income tax is mainly divided into wages and salaries (3%-45% tax rate) and has six modules: income from production and operation of individual industrial and commercial households (5%-35% tax rate); Income from labor remuneration (20%-40% tax rate); Interest, dividends, bonuses. In short, high income and high taxes are nerve-racking.

Of course, the current tax system is so developed that there are many ways for high-income individuals to reduce their tax burden reasonably:

1. Pay the fee first, and then withdraw it from the provident fund.

Pay more provident fund first, and then pay a tax after deducting five insurances and one gold. However, after deduction, if the annual income is not 1.2 million, there is no need to increase the tax. You can pay more and withdraw it later. However, the payment ceiling of each city is different, and you can understand it according to your own urban area.

2. Choose sound tax-saving wealth management products.

The stability here is only comparative. Financial management is definitely accompanied by risks. Financial products such as funds, treasury bonds and insurance do not need to pay taxes, and the income is also quite good, and the risk is not as big as that of stocks. However, if there are risks, you must bear them yourself.

3. Use temporary tax exemption policy or time difference to save taxes.

According to the current tax regulations, individual income tax is not levied on the difference income obtained by individual investors from buying and selling stocks or funds, which is one of the few items that are temporarily exempt from individual income tax on the income from personal property transfer. Taxpayers can choose their own stocks or funds to buy and sell, and get the difference income by buying low and selling high, thus indirectly realizing tax avoidance. But this operation is difficult and you don't have the corresponding professional knowledge. It is recommended not to operate at will, but to consult a senior person.

4. Year-end bonus tax avoidance

This method is used by many enterprises, but it can only be used once in a tax year.

5. Apply the preferential tax policies of local government parks.

In order to attract investment to some slightly backward cities or emerging cities, the state has set up some local government parks to attract enterprises or individuals with higher tax burden from all over the country to pay taxes in the parks (online tax payment). Taxpayers support local development through taxation, and local parks also reward taxpayers through preferential tax policies.

6 Local sole proprietorship enterprises approved levy policy

For high-income individuals to pay taxes, the approved collection policy of the sole proprietorship enterprises in the park is just in line, which can solve the problems of corporate income tax, personal income tax and dividend tax. After the collection is approved, only one tax is paid, the tax rate is 0.9%, and the total tax burden does not exceed 4%.

The definition of a sole proprietorship enterprise is that it is established within the territory of China, invested by a natural person, all the property belongs to the natural person, and the business income is personal business income, without paying enterprise income tax and dividend tax.