What Happens If I Sell Stock Before Dividend Pay Date Free Guide to Pension Tax Relief

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Free Guide to Pension Tax Relief

Upangiri Waulere Wothandizira Misonkho ya Pension: QROPS, QNUPS & SIPPs

Thandizo l. a. msonkho wa penshoni ku UK kwakhala vuto lalikulu kwa a Brits omwe akufuna kusamuka kapena kupuma pantchito kunja. Pafupifupi munthu mmodzi mwa anthu khumi aliwonse ochokera ku UK tsopano amakhala kunja kwadziko. M’malo omwe akusintha nthawi zonse, anthu ochokera ku Britain ndi anthu omwe adagwirapo ntchito ku UK angatengere mwayi bwanji mwayi wawo watsopano ndikupewa kulipira misonkho ku UK?

Mwamwayi, kusintha kwa malamulo a penshoni kumatanthauza kuti tsopano mutha kupewa misonkho yambiri yaku UK panjira zanu zapenshoni zaku UK posamutsira kunja. Popeza simukugwiritsanso ntchito zina zilizonse ku UK ndipo mwalipira ndalama zanu mukamagwira ntchito kumeneko, bwanji mupitilize kulipira misonkho yaku UK?

Nayi kumasulira kwa malo apamwamba omwe Brits akukhala kunja kuchokera ku projekiti ya BBC Brits Abroad:

Pafupifupi anthu 5.5m aku Britain amakhala kunja. Kusamuka kwa anthu aku Britain kwachitika mozungulira zaka 200. Zomwe zikuchitika tsopano zikukweranso: nzika pafupifupi 2,000 zaku Britain zimachoka ku UK sabata iliyonse mu 2005.

Ndi liti pamene simukukhala ku UK Income Tax?

Mudzawonedwa ngati osakhalapo kuyambira tsiku lomwe mwachoka ku UK ngati mungawonetse:

• mudachoka ku UK kupita kudziko lina kwamuyaya kapena kusapezeka kwanu ndi ntchito yanthawi zonse kunja kumatenga chaka chonse cha msonkho

• maulendo anu ku UK ndi osakwana masiku 183 m’chaka cha msonkho ndipo pafupifupi masiku osachepera 91 pachaka cha msonkho kwa zaka zinayi zotsatizana.

Kodi ndiyenera kuchita chiyani ndikachoka ku UK?

Ofesi Yanu ya Misonkho idzakupatsani fomu P85 ‘Kuchoka ku United Kingdom’ kuti mubwezere msonkho uliwonse womwe muli nawo ndikuwunika ngati simukhala nzika. Ngati mukufunikabe kumaliza kubweza msonkho mukachoka akudziwitsani.

BRITS ABROAD: maiko apamwamba

Dzina ladziko l. a. Resident Britons

Australia 1,300,000

Spain 761,000

United States 678,000

Canada 603,000

Ireland 291,000

New Zealand 215,000

South Africa 212,000

France 200,000

Kodi zisankho zanji za Brits kusamukira kunja?

(1) Isiyeni pomwe ili ndikupitiliza kulipira misonkho yaku UK pazinthu zomwe simugwiritsa ntchito.

(2) Tumizani ku SIPP, QROPS kapena QNUPS ndikupewa misonkho yambiri yaku UK.

Kodi ndimalipira misonkho yanji pakadali pano pa penshoni yanga yaku UK?

Tax Tax ku UK Pension Schemes

£0 – £7,475* 0% (ichi chidzakhala 20% kwa okhometsa msonkho apamwamba posachedwa *)

£7,275 – £35,000 20%

£35,000 – £150,000 40%

£150,000+ 50%

*Kuchokera mchaka cha msonkho cha 2010-11 Personal Allowance imachepetsa pomwe ndalama zimaposa £100, 000 – ndi £1 pa £2 iliyonse yomwe amapeza kuposa malire a £100,000. Kuchepetsa uku kumachitika mosatengera zaka. Kuphatikiza apo, malipiro aumwini adzachepetsedwa kukhala 0 posachedwa kwa omwe amalipira msonkho wapamwamba. Chilolezocho ndi chapamwamba kwa zaka 65-74: £9,940 ndi 75+: £10,090. Koma, kumbukirani kuti mudzakhala mukujambula penshoni yanu panthawiyo.

Msonkho wa Dividends ku UK Pensions

Kodi msonkho wa magawo ndi chiyani?

Uwu ndi msonkho wa ndalama zomwe amapeza kuchokera ku ma stocks aku UK, ma unit consider ndi ma Open End Investment Company (OEIC’s).

£0 – £35,000 10%

£35,000 – £150,000 32.5%

£150,000+ 42.5%

Capital Gains Tax (CGT) ku UK Pensions

Nthawi zambiri simudzalipira GCT pa penshoni yanu yaku UK pokhapokha ngati pulaniyo ili ndi katundu.

Kodi Capital Gains Tax (CGT) ndi chiyani?

Capital Gains Tax ndi msonkho wa phindu kapena phindu lomwe mumapeza mukagulitsa, kupereka kapena kutaya chinthu chomwe muli nacho, monga magawo kapena katundu.

Simumalipira CGT pamalo anu okhala, galimoto, ma gilt aku UK (ma bondi), zopambana za lotale kapena zinthu zanu zosakwana £6,000.

Ngati muli ndi katundu wambiri, mudzalipira msonkho wamtengo wapatali mukagulitsa. Mutha kupewa izi potengera QNUPS. Mutha kukhazikitsa QNUPS ngakhale simungapume pantchito kunja… extra in this later. Ambiri omwe ali ndi katundu wambiri amapatsidwa msonkho wa 28%.

Simumapatsidwa msonkho pa £10,600 yoyamba.

Mitengo ya Misonkho ya CGT:

• 18 peresenti ndi 28 peresenti ya msonkho wa anthu (msonkho womwe mumagwiritsa ntchito umadalira kuchuluka kwa ndalama zomwe mumapeza, kotero muyenera kukonzekera izi kaye)

• 28 peresenti kwa matrasti kapena oyimilira amunthu yemwe wamwalira

• 10 peresenti kuti apindule oyenerera kulandira Thandizo l. a. Mabizinesi (ngati ndinu ochita malonda nokha kapena ogwirizana nawo pakampani).

Msonkho wa Cholowa

Sikuti aliyense amalipira msonkho wa Cholowa. Zimangoyenera ngati malo anu – kuphatikiza katundu wina aliyense wodalirika ndi mphatso zoperekedwa mkati mwa zaka zisanu ndi ziwiri za imfa – ayesedwa pamtengo wa msonkho wa Cholowa (£325,000 mu 2011-12). IHT ndi 40% pa ndalama zomwe zili pamtundawu.

Ngati ndinu expat mukukhala kunja ndi UK mkazi: Threshold ndi £650,000

Ngati ndinu wochokera kunja komwe mukukhala kunja ndi mkazi yemwe si wochokera ku UK: Threshold ndi £380,000

Ngati ndinu osakwatiwa kapena osudzulidwa ndipo mukukhala ku Spain: Threshold ndi £325,000

Pamwamba pa izi, mumalipira msonkho wa 40% panyumba ndi katundu wanu.

Kodi ndingapeze bwanji Pension ku UK?

Pensheni za boma ndi ndondomeko zambiri zomaliza za malipiro zimagwirizanitsidwa ndi kutsika kwa mitengo. Malamulo atsopano tsopano akutanthauza kuti penshoni yanu idzawonjezeka ndi CPI (Cost Price Index) osati RPI (Retail Price Index). Izi ndizotsika chifukwa sizimaphatikizapo ndalama zanyumba monga ngongole zanyumba ndi msonkho wa khonsolo.

Kukhudzidwa kwa penshoni yanu kumatanthauza kuti idzakwera pafupifupi 2.5% osati 3.5% pachaka. Chiyembekezo ndi 2%

The Telegraph inanena kuti okalamba 10m adzalandira £ 207m kuchepera chaka chamawa kuposa momwe angakhalire ndi dongosolo lamakono.

CPI Table (1996-2010)

Ili ndiye tebulo lamtengo wapachaka wa CPI kuyambira 1996 pomwe adayamba kuyeza koyamba. Avereji pazaka 13 zimayika pansi pa 2%.

Ziwerengero zonse za CPI za nthawi ino: http://www.statistics.gov.uk/statbase/tsdataset.asp?vlnk=7174&More=Y

Chidule cha Misonkho ku UK Pension Schemes

Misonkho ya Ndalama 0%, 20%, 40% ndi 50%.

Msonkho wa Dividends 10% – 42.5% (pa ndalama zomwe zaperekedwa kuchokera ku magawo)

Capital Gains Tax 10%, 18% kapena 28% (pazinthu zingapo ndi magawo)

Msonkho wa Cholowa 40% pamwamba pa malo anu (pamalo anu)

Kuyenerera Kuzindikiridwa Overseas Pension Scheme

Malamulo a penshoni adasinthidwa pa Tsiku l. a. ‘A’, 2006 kulola aliyense amene akuganiza zopumira kunja, ochokera ku Britain komanso anthu omwe adagwirapo ntchito ku UK kusamutsira penshoni kumayiko ena.

Kodi QROPS imachitikira kuti?

QROPS ikhoza kusungidwa m’malo aliwonse omwe HMRC avomerezedwa ndipo amatsatira malamulo a QROPS. Nthawi zambiri, madera otetezeka kwambiri omwe akhala akuyenda motalika kwambiri komanso omwe ali ndi mamembala ambiri ali ku Guernsey & the Isle of Man, ngakhale pali njira zina zambiri m’malo ena. Ulamuliro uliwonse uli ndi phindu lake lamisonkho ndi malamulo ake.

Kodi ndiyenera kukhala expat kuti ndisamukire ku QROPS?

Ayi. Aliyense amene wagwirapo ntchito ku UK akhoza kusamutsa penshoni yake kukhala QROPS. Ngati mukukhalabe ku UK, mutha kusamutsa penshoni yanu kukhala QROPS ngati mukupita kukapuma kunja. Ubwino wosuntha ungakhale kupewa kusintha kwa malamulo amisonkho ku UK komwe sikungalole kusamutsa koteroko kapena kuonjezera misonkho kapena kuyika malire pakusamutsa.

Ndiyenera kusuntha liti penshoni yanga yaku UK kukhala QROPS?

Ngati mukusamukira kudziko lina kapena mukuganiza zosamukira kapena kupuma pantchito kunja, muyenera kuganizira zosamukira ku QROPS. Komabe, ngati mukulipirabe ku pulani ya penshoni yaku UK ndikulandila chithandizo chamisonkho ku UK, muyenera kudikirira mpaka mutasiya kuperekanso kapena mutapeza malipiro a moyo wanu wonse (LTA) a £1.85million mu 2011/12, kutsika mpaka £1.5million. mu 2012/13. Ndalama zilizonse pa izi zidzakhomedwa msonkho wa 55%.

Zopereka zoperekedwa ndi inu ku ndondomeko ya penshoni yaumwini kapena ndondomeko ya penshoni ya anthu okhudzidwa ndi msonkho wamtengo wapatali (ie 20%). Izi zikutanthauza kuti pa £ 100 iliyonse yomwe mukufuna kusunga, mumangolipira £80. Msonkho wa £20, kuchulukitsa zomwe mwapereka mpaka £100, kenako zimawonjezedwa ndi HM Revenue & Customs (HMRC).

Ngati ndinu okhometsa msonkho wokwera kwambiri (ie 40%), mutha kuyitanitsa zina zowonjezera msonkho. Kutengera kuchuluka kwa ndalama zomwe mumapeza pamtundu wapamwamba wamisonkho, thandizo lililonse lamisonkho lingakhale pakati pa 1% mpaka 20%.

Kuchokera pa 6 Epulo 2011, ngati ndinu okhometsa msonkho wowonjezera (ie 50%), mutha kuyitanitsa chiwongola dzanja chowonjezera pamlingo wanu wapamwamba kwambiri. Kutengera kuchuluka kwa ndalama zomwe mumapeza podutsa kuchuluka kwamisonkho, komanso kuchuluka kwa zomwe mwapereka, nsonga ina iliyonse yamisonkho imatha kukhala pakati pa 1% mpaka 30%.

Kodi ndiyenera kusamutsa penshoni kudziko lomwe ndikukhala kunja?

Ayi. Ili ndiye lingaliro lolakwika kwambiri. Mutha kukhala ku Canada, Spain, Bermuda kapena Thailand mutakhala ndi QROPS yanu ku Guernsey. Kenako, mukafuna kutenga penshoni yanu itha kulipidwa mwachindunji ku akaunti yanu yaku banki ya dziko lomwe mukukhala kapena kubanki yakunyanja komwe mungatenge ndalamazo pa ATM khadi.

Kodi penshoni yanga imasungidwa ku Pounds Sterling?

Uku ndiye kukongola kwa kusamutsa kwa QROPS. Mutha kusunga penshoni yanu kukhala Mapaundi Sterling kapena mutha kuyisintha kukhala ndalama yadziko lomwe mukusamukirako. Chifukwa chake, ngati mutasamukira ku Spain mwachitsanzo, mutha kusintha mphika wanu wonse wapenshoni kukhala EURO, kuti musade nkhawa ndi kusinthana kwa ndalama kapena ngati mukuganiza kuti Mapaundi adzakhalabe amphamvu, mutha kusunga penshoni yanu ku GBP ndi kenako tengerani mwayi wosinthana nawo nthawi ina.

M’malo mwake, mutha kukhala ndi penshoni yanu mumitundu ingapo ngati mukufuna, GBP, USD, CHF, EUR, Swedish Krona, mwachitsanzo.

Ndili ndi penshoni zambiri ku UK. Nditani?

QROPS imakulolani kuti musamutsire penshoni zanu zonse kumalo amodzi komwe zitha kuwongoleredwa mosavuta.

Kodi ndingapeze 100% ndalama zonse kapena ndalama zapenshoni yanga?

Nthawi zambiri yankho limakhala ayi, pokhapokha ngati pali mikhalidwe yowonjezereka ngati matenda osachiritsika. Guernsey & Isle of Man amalola mwayi wopeza ndalama zokwana 30% mukakhala kunyanja kwa zaka 5.

Kodi ndingapeze liti ndalama kuchokera ku penshoni yanga?

Muyenera kukhala ndi zaka 55 ndikukhala kunyanja zaka 5 zamisonkho musanatenge penshoni yanu. Mutha kutenga 30% ndalama zonse mukasamutsa. Ngati mukufuna ndalama zisanafike zaka 55, mutha kubwereketsanso mtengo wa QROPS yanu. Pambuyo pa zaka 5 palibenso zofunikira zofotokozera HMRC.

Ndimisonkho yanji yomwe ndimalipira pa penshoni yanga pansi pa QROPS?

• Palibenso Msonkho Wopeza ku UK

• Palibe Msonkho Wopindula Kwambiri

• Palibe Msonkho wa Dividends ku UK Shares kapena Funds

• Palibe msonkho wa Cholowa

Kodi ndipeza zotani pa QROPS?

Zobweza zimatengera ndalama zanu. Salinso okhudzana ndi kukwera kwa mitengo mwachindunji.

Mutha kuyika ndalama muma bond, sheya, mutual budget, ETFs, ndalama, akaunti yachiwongola dzanja chokhazikika. Zosankha zanu zatsegulidwa. IFA yoganiza idzakutsogolerani kuti muteteze ndalama zambiri zapenshoni zanu ndi ndalama zomwe zili pachiwopsezo chochepa komanso mabizinesi omwe ali ndi mgwirizano pang’ono ndi msika wamasheya. Makasitomala ang’onoang’ono komanso omwe akufuna kuyika pachiwopsezo chochulukirapo atha kuyika ndalama zawo zapenshoni kuzinthu zina monga golide, siliva ndi mafuta. Kubweza kwanthawi zonse pambuyo poti ndalama zonse zaganiziridwa zitha kukhala 7.5% pa

QROPS vs UK Pension Zitsanzo:

John ali ndi zaka 45 ndipo ali ndi poto yapenshoni ya £70,000. Anasamukira ku Spain.

UK Pension pot pa 65 @2.5%* pa kubwerera: £114,703

Amalandira penshoni pa 6%. Izi zimamupatsa ndalama zapenshoni zokwana £6,882 pachaka, motero samalipira msonkho. Ngati amwalira atachotsa penshoni, mkazi wake adzalandira pafupifupi theka l. a. penshoni ya £3,441.

QROPS Pension pot pa 65 @6% pa kubwerera: £224,499

Amakoka penshoni pa 7% (monga momwe angathere mpaka 120% ya mitengo ya GAD **). Izi zimamupatsa penshoni ya £ 15,715 pachaka. Salipira msonkho waku UK. Ngati chilichonse chimuchitikira, mkaziyo amalandira ndalama zonsezo popanda msonkho. Amalipira msonkho wa ku Spain pa penshoni ngati atasamutsa ndalamazi ku banki ku Spain ndikulengeza kwa akuluakulu amisonkho aku Spain. Athanso kulipira penshoni ku akaunti yakunyanja ndikuchotsa ndalama pogwiritsa ntchito khadi l. a. ATM.

* Akuganiza kuti penshoni ikuwonjezeka ndi inflation pa 2.5% kubwerera. Ave. CPI 1996-2011 ili pansi pa 2% malinga ndi http://www.statistics.gov.uk/statbase/tsdataset.asp?vlnk=7174&More=Y

**Matebulo otsitsa a The Government Actuary Department (GAD) amagwiritsidwa ntchito kudziwa kuchuluka kwa ndalama zomwe zikuyimira mtengo wa ndalama zofananirako pa moyo wa munthu mmodzi, mulingo wopanda chitsimikizo.

Nkhani ya QROPS yolembedwa ndi Richard Malpass ku QROPS Specialists.

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