Hello! When I got my first bond coupons on IIS, then I wrote a post on my Instagram long_term_invesments, where he raised the topic of maximum efficiency in using opportunities IIS.
Opportunities for an Individual Investment Account Opportunities for an Individual Investment Account
Let me remind you the essence of the topic. I wondered questions:
Is the payment of dividends on shares and coupons on bonds considered to be deposited on the IIA?
Is it possible to receive tax deduction on dividends and coupons on IIS directly?
Is it possible to do so, so that these payments are credited to another account?
Sat on the forums, called the broker, even went to the website of the tax. As a result, I got answers to questions, with which I hasten to share with you. By the way, among the subscribers there were also people who were savvy in this matter., and they also spoke rightly about this. Steeply, when you create a blog, to share your experience and knowledge, give advice to beginners, talk about the importance of investing in life, but in fact they teach you yourself.
so, first, what i learned, this is what, that receipts of dividends on shares and coupons on bonds are not considered to be deposited on the IIA. These payments are made by the issuer, ie. third party, and the tax deduction is made from your NDFL. Therefore, for other people's payments, there can be no refund of personal income tax, which is logical.
The answer to the second question follows from the above - no., tax deduction for dividends and coupons cannot be obtained, but you can do it in a tricky way, more on this later.
Finally, the answer to the third question is yes. But there are nuances: each broker has its own terms and conditions of the contract. Therefore, some brokers charge payments to another account
can, and others - no. →
For example, I have an IIS in Promsvyazbank. I called them about the possibility of calculating payments not on the IIS, to a bank account, to which he received a negative answer. Said, what's in the near future, maybe, will introduce this opportunity. They were advised to write such an offer to them by mail, What I've done.
There is Brokers, allowing to carry out this operation. For example, Sberbank, - they can do it in one click in the application.
Withdrawing funds from an individual investment account Withdrawing funds from an individual investment account
The ability to withdraw funds to another account makes it possible to re-deposit them on the IIS, and in this case it will already be considered depositing on the IIS. And from depositing on the IIS, you can get a tax deduction 13%, which further increases the return on investment. The scheme of this operation, as you have already noticed, presented in the picture, which was kindly shared with me on one of the investment forums.
Therefore, check with your broker about this possibility.. After all, every ruble is important in investments..
Even more useful information about investments and finance in my Instagram- @long_term_investments. Subscribe!
