如题。如果是这样,你大家都可以把钱转到小孩的帐号里了?
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是,但有上限,超过的还是要打税的。
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这个要关注,谁来具体说说啊
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超过多少呢?
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420好像
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是每年吗
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Investing on behalf of children
Children’s savings accounts
Savings accounts of dependent children under the age of 16 have special income taxation rules.
If the child’s tax file number is not supplied, the investment body must withhold tax at the top marginal tax rate on interest earnings, although tax isn’t payable until the child’s income, including interest, exceeds the under-18 tax-free threshold of $416.
Interest income earned on the account must be declared by whoever controls the account, not whose name it is in, or whose name it is held in trust for.
Children do not need to lodge a tax return if their only source of income is interest totalling less than $416. However, if the investment body has withheld tax, the child must lodge a return to get a refund.
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每年
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谢谢,那和没有没啥区别啊
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打主意打到孩子身上啦?
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早打过这个主意了,省不了太多,不过能省点是点。
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ATO 算这笔钱作为家庭的总收入里面吗?
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看不同银行的利率,假设年息为6%,存款额为7000左右,如果年息为4%,则存款额为1w左右。按ATO要求,利息不超过416不打税。
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有个bankwest 的kids bonus帐户,每月最多存$250,利息现在6%左右,不用交税。一年后自动转入link的saver 帐号,无息。反正不多,就当给孩子存点小钱吧。
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“1年后自动转入link的saver账号”那是否我必须得有bankwest 的账号?
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银行会给你一个kids saving account的,一共2个account. 那个高利息的账号只能转到这个saving account里
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