How does (株主への)配当 税金 work? What you will 支払う/賃金 - and how to 削減(する) your 法案
A (株主への)配当 is 基本的に a reward for 持つ/拘留するing 株, and you can receive it in cash or reinvest it in more of the 在庫/株
Many 投資家s rely on income from (株主への)配当s. It can bring 広大な/多数の/重要な returns, 特に if you keep reinvesting them in more 株.
A (株主への)配当 is 基本的に a reward for 持つ/拘留するing 株, paid out によれば how much of a particular 在庫/株 you 持つ/拘留する.?
This payout will be made at intervals chosen by the company, such as 月毎の, 年4回の, bi-毎年 or 毎年, and you can choose to receive it in cash or reinvest it in more of the 株.
However, the 政府 必然的に wants its 株 of this wealth, and it has 切り開く/タクシー/不正アクセスd 支援する allowances and grabbed 増加するing 量s of (株主への)配当 税金 from 投資家s in 最近の years.
The wealthiest 投資家s and small 商売/仕事 owners, who often choose to 支払う/賃金 themselves 経由で (株主への)配当s, are clobbered most by (株主への)配当 税金.
But the ますます stingy 政権 means it is also taking an ever greater (死傷者)数 on lower-income individual 株主s 持つ/拘留するing 投資s outside Isas and 年金s.
We look at the 支配するs and how to 保護する yourself from (株主への)配当 税金 below.
How much is (株主への)配当 税金?
The 税金-解放する/自由な allowance for (株主への)配当 income was 削除するd to £500 from April 2024, 負かす/撃墜する from £1,000 in the previous 税金 year.
If your (株主への)配当 income is higher than your personal allowance? - which takes into account all your other taxable income too - 加える your 税金-解放する/自由な divid end allowance, you will 支払う/賃金 (株主への)配当 税金 によれば your 所得税 禁止(する)d.
(株主への)配当 税金 率s are 現在/一般に 8.75 per cent for basic 率 taxpayers, 33.75 per cent for higher 率 taxpayers and 39.35 per cent for 付加 率 taxpayers.?
The 率s were 増加するd from 7.5 per cent, 32.5 per cent and 38.1 per cent from April 2021 onward.
As pointed out by 財政上の 専門家s at the time, because the 1.25 per cent rise was 課すd across the board 関わりなく 所得税 bracket, this change fell more ひどく on 株主s who were basic 率 taxpayers.
Former (ドイツなどの)首相/(大学の)学長 Kwasi Kwarteng 発表するd in his ill-運命/宿命d 小型の-予算 in Autumn 2022 that the 1.25 per cent 率 引き上げ(る) would be 逆転するd from April 2023, but 追跡(する) 速く dropped that idea again.
Turning to the (株主への)配当 allowance, this was introduced at £5,000 but saw a 激烈な 60 per cent 削減(する) in 2018 and as 公式文書,認めるd above was shredded to just £500 in spring 2024.
It is 価値(がある) 公式文書,認めるing that the pre-April 2016 政権 was more generous to lower income, or basic 率 taxpayers, 予定 to a?'notional 税金 credit'?which 効果的に meant they paid 無 (株主への)配当 税金.
一方/合間, under that old system, higher 率 taxpayers only paid 25 per cent (株主への)配当 税金.?
The £5,000 allowance was 最初 brought in to 補償する people for losing this 価値のある perk and was 主として 目的(とする)d at personal 投資家s.
The 政府 explains more about (株主への)配当 税金 on its website, 含むing how to 支払う/賃金 it.
When you sell your 株, you might have to 支払う/賃金 税金 then too - read our guide to 資本/首都 伸び(る)s 税金 here.
How to 保護する yourself from (株主への)配当 税金
Use up your Isa allowance of up to £20,000 a year by switching your 投資s into the 税金-解放する/自由な wrapper of a 在庫/株s and 株 Isa.?
This can be done by selling your 投資s and buying them 支援する in a 過程 known as a Bed & Isa.
Couples can also 移転 資産s between them 税金-解放する/自由な to make the most of this.
財政上の 専門家s 示唆する you might look at prioritising high (株主への)配当 支払う/賃金ing 投資s when deciding which to switch into your Isa.
However, if you keep growth 在庫/株s outside your Isa you need to consider 資本/首都 伸び(る)s 税金 同様に. You might want to take professional advice on the best way to 扱う this.?資本/首都 伸び(る)s 税金?was 削除するd from £12,300 to £6,000 in April 2023, and again to £3,000 from April 2024.
You can also 投資する more 経由で your 年金,?where 出資/貢献s are topped up by 税金 救済 from the 政府 and your 投資s can grow 税金-解放する/自由な.?
But in a 年金 your money is locked up until you are 55, rising to 57 in 2028, and any 撤退s beyond a 25 per cent 税金-解放する/自由な lump sum are 支配する to 所得税.