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Tax exemption is an act that illegally reduces tax. On the other hand, tax saving is an act that reduces the tax burden of law.
It is important to understand the difference as investments involve profit declarations and final declarations. In this article, we will explain the difference between tax and tax savings, the case that is easy to invest, and the failure that beginners should avoid.
Tax exemption means "hiding tax to be paid"
Tax exemption is an act that illegally reduces taxes that should be paid seriously.
For example:
- Hide profit
- No sales
- Make overhead expenses
- Don’t file overseas accounts
Even investments may fall under tax exemption.
| Contact | 内容 |
|---|---|
| Do not return profits | Hide profits of shares and crypto assets |
| Make hollow loss | Improve losses even though they are not actually damaged |
| No overseas transactions | Do not申告 the profit of overseas accounts |
Tax offices may be able to check securities companies, bank data, foreign bank transfers, and overseas financial account information. It is dangerous because it is a small amount.
Differences between tax savings
Tax is legal and tax is illegal.
The difference is “whether you follow the law?”
| 項目 | Tax | Tax |
|---|---|---|
| Legal | Legal | Illegal |
| 方法 | Application | Hidden/False |
| Example | N N | Profit Hidden |
| Risks | System Change | Collection tax and penalty |
Investment beginners tend to want to reduce tax. However, it is important to “optimize within the rule”.
Typical tax saving system used in investment
In Japan, there is a legal preferential system for investment.
The following examples are:
- NISA
- iDeCo
- Profit and Loss
- 繰越控除
In particular, NA is a system that taxes operating profits such as stocks and investment trusts.
Long-term investment increases tax differences. "Tax Cost" is expected to increase the asset.
Taxation
Taxes scrape return.
For example, if you operate in運用 a year, the actual yield decreases after tax.
The difference is extended in long term.
A = P(1 + r / n)^(nt)Therefore, the following three are important:
- Use tax-exempt systems
- Long-term operation
- Reduce the number of purchases
Dangerous misunderstandings that beginners tend to do
"If you are a sub-business level, you don't need to report it."
There is a case where a declaration is required if a profit is made.
In particular, you need to pay attention to the following transactions and revenues:
- Crypto assets
- FX
- Overseas Securities
- Sub-Business Income
Declaration requirements vary depending on the position, such as payer income, individual business owner, and specialized investor. It is safe to check with tax office and tax accountant in case of doubt.
“If you are overseas, there is no burr.”
Now international information sharing is progressing. You may be able to understand your overseas account.
The National Tax Agency is working to understand foreign assets and overseas transactions by情報ing overseas financial account information based on CRS and foreign transfers.
SNS
Taxes are affected by system changes and individual conditions. In the end, it is important to check the official system.
- Tax exemptions are illegally hidden.
- “Legal optimization using system”
- Knowledge is important in investment
- Long-term investment significantly affects asset formation
First of all, it is safe to start with the following three.
- Know annual income
- Understand N制度 and other systems
- Please check the tax accountant and tax office for any questions.
This article is a general information arrangement and does not make individual tax decisions.
Concept
“The tax and tax are completely different.”
Text
- Main: Tax excluded
- Sub: Explanation of the difference between tax savings
Color
- Red, Black, White
- Focus on visibility while highlighting danger
構成
- Left: Warning mark
- Central: tax NG
- Right: Comparison diagram of tax saving and tax withdrawal