The enthusiasm of the resident savings investment is like poured a pot of cold water, and now is a low interest era. Financial experts have pointed out that 5 methods can be reduced by 5 methods to increase investment benefits.
The first way to build is the purchase of national debt. According to reports, the interest rate of government bonds is higher than that of the bank deposits in the same period, and the interest obtained does not have to pay interest taxes. Taking the 2004 account (Phase II) Treasury bonds as an example, the annual interest rate of the 5-year national bonds is 4.42%, while the interest rate of the same bank is 2.79%. If you purchase 10,000 yuan, you will expire national debt can obtain interest 2210 yuan; And when the bank deducts the interest tax, the interest is only 1116 yuan.
This is followed by buying insurance. Purchase some insurance can not only get higher than the bank deposit, but also avoid interest tax. In addition, many insurance companies have launched a dividend insurance, both insurance role, and participate in insurance companies' investment dividends. The third is education savings. According to Article 5 of the Measures for Personal Income Tax, education savings exempt from personal income tax. Education savings for regular savings deposits, minimum deposit amount is 50 yuan, and the maximum amount of this gold is 20,000 yuan. The account opening target is a four-year number of schools (including the fourth grade). The account opening household depositors and financial institutions agreed to deposit the monthly fixed deposit. The deposit of the month is divided into one year, three years, six years, only by payment The original and non-compulsory education of the admission notice or the original support of the school to pay the deposit.
Its fourth is financial bonds issued by the country. According to the "Personal Income Tax Law", the interests of financial bonds issued by the individual have exempt personal income tax.
In addition, investment money market funds. Money Market Fund (MMF) refers to an open investment fund that is mainly investing in the expiration date of government bonds, financial debt, central bank bills, and AAA grade companies debt, convertible bonds and other short-term bonds and bond repurchase. Short-term financial instruments for liquidity in the same deposit, business notes. It is particularly important to point out that there is no need to pay the fee when purchasing and redeeming the monetary market fund.
