By saving 10 thousand rubles each, you can save a significant amount. monthly, said Investment advisor “Lente.ru” of VTB “My Investments” Nikita Murleikin. According to him, it is necessary to remember the periodicity of savings and to use various financial instruments.
“It’s worth remembering the theory of compound interest and the advantages of certain financial instruments, such as individual investment accounts (IIA) that allow you to earn additional income in the form of tax deductions,” he said.
Murleikin gave an example: an investor contributes 100,000 to IIS as a start-up capital, and for three years from the next month, he replenishes the account monthly with 10% of the income, i.e. 10,000 rubles. According to the financier’s calculations, the income that the investor will receive from the use of IIS for three years, after taxes, will amount to 85.5 thousand rubles.
You can store money, buy and sell securities, exchange currency in IIS. IIAs differ in the types of tax benefits. For IIS of the first type, you can get a tax deduction for the replenishment amount of IIS (up to 52 thousand rubles per year). Or, the investor in the second type of accounts does not pay 13% tax on the gains made when trading securities.
formerly Siluanov said about pessimists and optimists.