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2009 is the flat tax – what does it bring?

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2009 is the flat tax – what does it bring?

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Home Page > Finance > Taxes > 2009 is the flat tax – what does it bring?

2009 is the flat tax – what does it bring?

Posted on: 26 May 2011 | Comments: 0
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On behalf of the Federal Council from 06.07.2007 to 01.01.2009 existing flat tax as part of the corporate tax reform was passed. What this means for investors is that they adapt their strategies to the need to obtain the optimal or possible returns.

The first change is in the summary of the franchise and advertising fees for savers lump sum of 801 € (1602 € for a married couple) – has for the amount still nothing changed, except that the savers flat no advertising costs (caused for example by deposit fees, participation in meetings), the more recognized, but only the current income such as interest, dividends or capital gains.
For all the interest income is now a uniform tax rate of 25 percent – comparable to the rate that is calculated with an annual income of 15,000 € (30,000 € Married). Who can make less of an application for refund overpaid tax. The winner is the one who earns more. The flat tax is – as before the flat tax – levied at the source.
If you have invested his money in shares and / or deposits, shall not apply to purchases from the year 2009, the holding period of one year. The exemption limit of 512 € for speculative profits will also be deleted.

The previously reduced taxation of dividends at 50% per half-income system is eliminated and a full taxation.

This is only a rough outline of the flat tax, but you can already see that the innovations have a positive or negative for one or another form of capital investment.

The investment income from pension funds, bonds and guarantee certificates are therefore taxed in the future, relatively cheap. Real estate funds remain advantageous, because – depending on the fund structure – which are still tax-free income. If the fund buys shares for a fund savings plan or fund before 31.12.2008 for more than 1 year in jail, you pay no taxes at a later sale.

The withholding tax on interest income has really only for those who already earn more. If your personal tax rate of 25 percent increases the attractiveness of the interest savings. For individuals who earn less than 15,000 € a year (€ 30,000 married), taxes, changes nothing, because they can apply for a refund of overpaid tax.

Paid for the taxation of income from insurance is only when and in different forms. If it is Riester and Rürup insurance or occupational pension via a direct insurance or pension fund, the pension will be fully taxed. However, the personal tax rate in retirement is generally lower.

an endowment or personal pension scheme is completed, the tax is based on the prepayment. If the payment as a pension for life (65), a tax rate of 18 percent on the earnings portion. In a lump sum that is tax-free if the contract was concluded before 31.12.2004. Contracts on 01.01.2005 at least 12 years old population and the insured must be the time for the 60th Birthday pay, then 50 percent of income is tax free – otherwise, the income is fully taxable.

Unit-linked annuities are advantageous because you can switch between funds under the guise of insurance. The annual tax on dividends is omitted here. This is a tax only when the policy matures, the difference between the amount paid or the amount. The lower the personal tax rate, the more worthwhile investment of one unit-linked insurance. If the personal tax rate, for example, 15 percent can be achieved by this type of investment, a tax benefit of over 20%.

Among the types of investments that are losing out in the flat tax to prove the stocks are low dividends, fund savings plans with shares as of 01/01/2009 received in the depot, in particular certificates and savings plans. Here you have to enjoy the tax exemption only if the certificates were either purchased or before 15.03.2007 (sale after this date) to 30/06/2009 least one year has to be sold again.

So if you invest your money so that he continues to retain some flexibility must deal with the flat tax to come. If you remove the flexibility to save on taxes, insurance are probably indispensable coats.

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Daniel De Beer –
About the Author:

Daniel is an avid Forex writer, he enjoys writing about the best forex affiliate programs and is a successful AVAFX dealer.

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