Re: Fundos à la carte
Enviado: 25/10/2018 16:05
bucks Escreveu:Quando um governo, apoiado pela sociedade, cria mecanismos que desmotivam as famílias a buscarem o próprio enriquecimento, esse governo desestimula o enriquecimento do país inteiro, pois um país rico nada mais é do que um país repleto de famílias que estão buscando por mais prosperidade através do trabalho, poupança e investimentos....
Leia texto completo em: http://www.clubedospoupadores.com/enriq ... dores.html © Clube dos Poupadores
Basta ver o Reino Unido que isenta ou reduz o pagamento de Taxa Liberatória/Imposto sobre o Rendimento em depósitos a prazo, OT, obrigações corporativas, fundos de investimento, seguros de capitalização, etc, permite a dedução de menos-valias de P2P Lending, Equity Crowdfunding, Private Equity e Venture Capital, através de várias formas, ISA, EIS, SEIS, etc. A fim de fomentar a poupança, o investimento, o financiamento de startups e de PMEs no RU, com o objectivo de dinamizar a economia britânica:
Personal Savings Allowance
You may also get up to £1,000 of interest tax-free depending on which Income Tax band you’re in. This is your Personal Savings Allowance.
Savings covered by your allowance
Your allowance applies to interest from:
bank and building society accounts
savings and credit union accounts
unit trusts, investment trusts and open-ended investment companies
peer-to-peer lending
trust funds
Your allowance also applies to interest from:
government or company bonds
life annuity payments
some life insurance contracts
Savings already in tax-free accounts like Individual Savings Accounts (ISAs) and some National Savings and Investments accounts do not count towards your allowance.
Fonte: HMRC - Tax on savings interest
Interest on cash held in an ISA, including Stocks and shares ISAs, is not subject to income tax.
Dividends are not subject to additional tax, interest on bonds is not taxed, and capital gains are not taxed (nor may capital losses be used to offset other gains).
Fonte: Individual Savings Account
Individual Savings Accounts (ISAs)
Interest is paid tax-free, while dividends are paid along with a tax credit to the investor which can then be offset against dividend tax due. For a basic rate tax payer this means they have no tax to pay on a dividend. There is no overall limit on how much a person can have invested in ISA accounts, but additional investments are currently limited to £11,280 per person per year: a maximum of £5,640 in cash funds, with the balance being allocated either to mutual funds (Units Trusts and OEICs) or individual self-selected shares.
Enterprise Investment Schemes
A non taxable investment into smaller company shares over three years that qualifies for 30 percent tax relief. The facility also allows an individual to defer capital gains liabilities (these gains can be stripped out in future years using the annual CGT allowance.)
Seed Enterprise Investment Schemes
A non taxable investment into smaller company shares over three years that qualifies for 50 percent tax relief. The facility also allows an individual to defer capital gains liabilities (these gains can be stripped out in future years using the annual CGT allowance.)
Fonte: Taxation in the United Kingdom
Investments have qualified for tax advantages through the Innovative Finance Individual Savings Account (IFISA) since April 2016. In 2016, £80bn was invested in ISAs, creating a significant opportunity for P2P platforms.
Fonte: Peer-to-peer lending
Em Espanha há diferentes taxas liberatórias consoante o valor do rendimento, enquanto que em Portugal é logo tudo taxado a 28%, seja 1 euro ou 1 milhão de euros de juros ou de mais-valias mobiliárias.
Em Espanha também há o reconhecimento das menos-valias em Equity Crowdfunding, Private Equity e Venture Capital. Penso que em França, também existe algo semelhante a Espanha.