Sunday, November 8, 2009

多買台灣除權除息的股票,退休的父母親領的退稅越多

前幾個月父母親告訴我說,我之前在台灣的股票經過除權除息之後,可以讓他們多拿到退稅。我已經 4 年多沒有注意台灣的稅法,因而覺得他們的說法很奇怪,也覺得很好奇。

我在台灣沒有所得,但有戶籍,因此可以撫養已退休的父母親來申報台灣綜合所得稅。我和父親討論後,我發覺一個很有趣的現象: 我只要每年在除權除息前多買台灣的股票,隔年父母親領的退稅就越多,這似乎是一個直接孝敬父母親的方法。為何如此說呢?

打開綜合所得稅結算申報書,仔細填一下你想要報稅的內容,假設你可以得到:

綜合所得總額=400,000

全部扣繳稅額及可扣抵稅額= 7,500 (股票經除權除息後會有可扣抵稅額)

綜合所得總額-全部免稅額-全部扣除額=綜合所得淨額 (負數填 0)
(400,000-231,000-35,000=0)

應納淨額-可扣抵稅額=應退還稅額
0-7,500=7,500

也就是說,我只要每年多買一些值得除權除息的股票,就可以將這些股票得來的可扣抵稅額進行加總之後,即可知道隔年父母親可以拿到多少退稅。

當我知道這個原則後,於是就開始購買可扣抵稅額較高的股票,如中鋼,中華電。這對我來說似乎是一個很好的方法。你認為呢?

延伸閱讀:
持美國工作簽證的台灣人是否需向台灣國稅局申報海外所得?
來美國出差,你的海外津貼是台灣公司支付,還是美國公司支付?

12 comments:

Anonymous said...

Ray,

基本上是沒錯的...我之前在台灣工作時靠著股票的扣抵真的省了自己不少稅...

但是真的要小心省了稅賦卻賠了股票的差價..
下手前還是要慎選...

Brian

Anonymous said...

After reading your blog for several days, I am very surprised you have been so determinded to want settling down in America. I know Taiwan is no better than America, after all America is one of the stronger advanced countries of the globe.To me I never have the experience of studying abroad, so all along I have been wondering what the main concern is to remove to a foreign contry for working. Is it very common that students now learning in America are eager to remain in America for having a job?

Sorry, I know your working in America is none of my businese, but could you please share your thought with me?

Reading once more of my above silly questions, I imagine you might say able to working in America is proving that I am capable of having a job here, as so many have been dreamed of but unable to come ture, in my opinion, which can demonstrate that you are a very competent man of patience and perseverance. Sorry again for my thinking aloud and lengthy message.

At last, I would like to tell you that PingTung is my homtown as well, so when looking at the pictures of yours of this blog, I am having knowing smile on my face for the familiar views and the rare chance that those pictures had been posed on the internet of a person now working in America.
Best Wishes

gill

Ray said...

Brian,
當然要慎選啊!:)

Ray said...

Gill,
我實在不知道你想要問何種問題?在美國工作只是取決於個人的需求及態度!有人想要培養國際經驗,有人想要圓一個夢,這些都沒有錯!

在美國工作是一件不容易的事情,若你能克服,那你就成功了!

Anonymous said...

Many thanks for your answer. Sorry, I have no bad intention of questioning your motives for having worked in America, on the contrary, I admire your courage and persistence very much, also I am very proud of you able to work in America, not that I see you as my son I suppose I am not that old to be your elder, but as a person having grown up in the same city with you.

I am convinced that capable of working in America is big honor that you could win a place for us Taiwanese under such terribly competitvive surroundings and downturn of American Economy. Without a doubt, you are a successful man already. And sure you have lived your life on what you are going after.

gill

Ray said...

Thank you for your kind words. You see me as your son. How old are you?? :)

Anonymous said...

I gather I am supposed to be as young as your age, so I had said I couldn’t bear being your elder or senior, let alone being your mother. Besides I am safely sure that I didn’t give you a lecture earlier on for your bad behavior if any, honey.

Above is only joking, I don’t mean offending your wife in the least.
Anyway, hoping everything goes your way in America.

gill

Ray said...

Thanks.:)

Anonymous said...

After benefiting so much of information for free from your blog, I feel responsible for saying something encouraged to you. I am certain that you have done really good job to fulfill your blog perfectly. Just keep carrying on what you want to do with your blog.
(Ray, don’t you feel I am sounding just like your mum, especially if I add up “good boy” to the last?? So, sure enough, I am absolutely not as young as I have thought about myself.) Gill

Angie said...

是地,Ray,沒錯.只要你在台灣的收入低於可扣繳的稅額.其他的就都退還給你了.因為你可以報你要供養你父母,又可以扣更多吧.但在買股票時真的要多注意.並非在該檔股票除權除息時前買就一定賺到.如Brian所說的"要小心省了稅賦卻賠了股票的差價",但也有可能當天就補權息了.不過,如果你想投資長期的,選一些較穩固的股票來投資是不錯的.中鋼不錯.不過,都7千多點了,現在還30塊而已,太低了.去年6千多點時,他是50初.

要買什麼股票,就見人見智了.我的想法,你聽聽就好.

Ray said...

Gill,
Thanks for your kind words. I will try my best to add some useful information in my blog. Weclome to my blog all the time. :)

Ray said...

Angie,
Yes. If I know this interesting rule, I will buy some useful stocks to have the tax deductible in Taiwan. :)

You can buy too.

Locations of visitors to this page
自訂搜尋