that is, you get 13% more than if you invested money through a regular broker, this deduction can be received only once when you close an investment account, and it must be open for at least 3 years. in what cases is it more profitable than the option, for example, when you do not have a large official income, and you cannot count on a large benefit, but at the same time consider yourself an investment strategist who will earn a round sum in 3 years, the deduction from it will be more significant another option received inheritance or sold an apartment on iis, you can put a large amount that significantly exceeds 400,000, the very ones that will be the maximum for income tax deduction, but remember the ceiling for replenishing an investment account, one million rubles a year, if you have already planned serious investments and are ready to take risks. consider option b will be especially profitable if the strategy has a

high yield of more than 27% per annum of the second, such as more profitable than the first, if the investment income for 3 years is more than 1 million 200,000 rubles. and finally, more one important point is the income tax deduction. you could have already used it this year, for example, for treatment or returned the money for a mortgage, if you already returned almost the entire amount of the tax paid for iis, there is nothing or almost nothing left. so option b is for you. how to tell the tax your choice, when you open the eggs, you don’t need to do anything, the tax understands which benefit you decided to use according to your actions. if you filed a tax return, then yours becomes a type. and if you want benefits by type you don’t need to do anything, just deposit money and invest, then, before closing the account, get a tax certificate that you didn’t use it, you need to deduct it. by the way, your

broker is a bank or a management company, that is, the organization through which you invested, and they will not withhold taxes from invest income. that is, you will have a benefit by type, if you open iis in 2022. you immediately deposit money into it, for example, 400,000 rubles. because that's the maximum amount you can do with tax deduction in 2023. you are filing a tax return. show that you have contributed money from the very fact of opening there. he no longer bothers anyone, but also shows that you, uh, want to return the money that uh was unnecessarily withheld from you due to the fact that you declare a tax deduction and it turns out that on the basis of this declaration, the tax inspectorate returns 52,000 rubles . for 2022. be careful, as we have already said, in order to receive benefits for option b iis must be open for more than 3 years if you closed him before, then received from the state money. you will have to return plus interest, one three-hundredth of the key rates of the central bank every day

there can be only one person using state money and the only exception is if you open an account with one company and close it in another, but even then two eggs can only be kept open for a month and most important, if you have already applied for a deduction to the tax service, that is, you have begun to use benefits by type, otherwise you will not be able to change the type of account. it will only be possible to close the account and open a new one, by the way, money cannot be withdrawn from the ist in parts, you can only return all the money and securities all at once . so let's repeat. the main thing at the individual investment account. there are two types of benefits to use, you can use only one of them, the first one can get a tax deduction of 13% of the amount of transfer to ip, it is beneficial for those who have a large white salary and caution investment tactics, the second one can exempt the entire invest from taxes, it is better suited for large volumes

risky investments. if you chose option, and then switch to option b will no longer work , there are still questions. if you want to learn more about how to invest profitably, write to us on telegram, we will ask your questions to specialists and help you understand our next instruction. it’s always interesting how it all starts. now you will see everything manufacturers of good things want and most importantly. but it's best to check.

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