An example and a recommendation. Go to your advisor and put a few accounts with him. Sell some stock with unrealized gains and others with disabilities, calculating the compensation payment of taxes for not making the cinnamon. With the proceeds, which has always given us a surplus, buy ounces of gold, or bullion, which also have no VAT. There are panels of experts are currently recommending to spend up to half of the savings to buy physical gold to protect the investment portfolio of market volatility and the clouds of the future.
Obviously, if gold goes up, more than expected, and you sell your bullion or coins, you will pay a corresponding 18%, 19% or 21% on capital gains, but now, of course, buy gold is better than bought, For example, an apartment as an investment, for a flat payment of VAT and half a dozen other taxes and duties, and also with the gold you protect the assets of his family against the sharp rise in inflation that experts expect from 2011 . Gold is a shield, a shield to protect their heritage, without which the State can stick their noses. It is like putting money in a sock, but with appreciation, or at least no real loss of value, which it notes is lost.
A further recommendation: do not put gold in a sock to keep it under the mattress. Do not be so sloppy because if something happens, your insurance company will not cover it, except to extend your policy and pay you a fortune and also be forced to buy a safe to install in your home. No need. There are safer methods. For example, rent a safe deposit box at your bank. It is much cheaper and much safer for you and your family.
Some simple deductions
In the face of the statement of income we all have to submit in May 2010, there are two essential sources that you should not stop reading carefully, using their advice before December 31 this year, of course. The first, Marc Vidal, who makes some very useful recommendations on his blog. Also Arrabe Advisors, which is publishing an interesting series of technical reports with concrete ideas to absorb tax increases.
For example, if the annual dues of our mortgage does not exceed 9,015 euros, to make repayments to reach that figure because that amount we will deduct 15%. Also remain home and savings accounts, but now is not recommended to buy a home, except to speculate, it is true that if you plan to buy a home within the next few years, it is best to open one of these accounts to deposit it a maximum of 9,015 euros the usual annual.
If you know your career opportunity will soon be the self, there is another great idea. If you are mounting their first business over the next four years, may open a business savings account that allows annual 9,000 euros deposit another 15% subtracted directly.
The PIAS, without interference of the State Savings
Also contributions to pension plans insured pension plans, mutual welfare, or systematic savings plans, among others, offer some important deductions or at least that the State can not ask for your tithe on that part of our savings, precisely because those plans are subsidized with tax credits. Ask your adviser, because such Systematic Savings Plans (SSP) is an excellent product with the same guarantees of a pension plan, but open to the rescue if necessary, which is almost impossible in a pension plan.