The days when you could save money at the end of the tax system still really are over. Especially the initiators of closed-end funds experienced a few years ago in the fourth quarter is always a real boom. The idea was to just before the turn of the year to invest more quickly in shipping, real estate or films, and charge assigned to the losses from these systems with other revenues.
The government has tax savings (or better: tax deferral) models in recent years almost completely abolished. Luckily, I must say. Because often enough, these funds turned grave as an investment, which earned only the initiators.
Yet there are still some investments that are worth a view on the calendar. Two of them I would like to introduce here.
Firstly, one of the few remaining ways to save taxes, or at least postponed. This variant uses but only if you have accumulated in the current year income to which you have paid withholding tax. This may for example be interest income or dividends, not capital gains in shares. The taxes paid, you can claim it, in whole or in part, if you end up buying a bond.
This paper should have a very high coupon, which is ideally early in the course of the next year due. In this case, you pay that is very high so-called accrued interest. This means that you pay to the seller of the bond its share of the next interest payment. The more time has passed since the last interest payment is, the higher this share.
The best part: This accrued interest will be assessed by your bank as a loss of investment income. So if you have already paid withholding tax, this is them, the bank re-credit. This only works until the next interest payment of the bond. Then you have to pay the withholding tax. Especially useful this approach is when you move it into an income year in which you get little or no other income. Then you pay the tax office may complete the withholding tax back if you stay under the exemption limits.
The second investment, worth taking a look at the calendar is a solar system or a solar fund. This year, namely three positive factors come together: first significant drop in prices for solar modules, the second one to end consistently high level of support by the Renewable Energies Act and thirdly, very low interest rates. This results in solar installations whose earnings are fed and financed on credit, very attractive returns. This can go up into the double digits.
But beware: such investment will be carefully considered and tested individually. In no case should the investor can put in stress on the fact that the conditions are likely to worsen with the new year. After all, he ties 20 years or longer. Such investment is therefore more akin of a marriage as a normal investment.
The government has tax savings (or better: tax deferral) models in recent years almost completely abolished. Luckily, I must say. Because often enough, these funds turned grave as an investment, which earned only the initiators.
Yet there are still some investments that are worth a view on the calendar. Two of them I would like to introduce here.
Firstly, one of the few remaining ways to save taxes, or at least postponed. This variant uses but only if you have accumulated in the current year income to which you have paid withholding tax. This may for example be interest income or dividends, not capital gains in shares. The taxes paid, you can claim it, in whole or in part, if you end up buying a bond.
This paper should have a very high coupon, which is ideally early in the course of the next year due. In this case, you pay that is very high so-called accrued interest. This means that you pay to the seller of the bond its share of the next interest payment. The more time has passed since the last interest payment is, the higher this share.
The best part: This accrued interest will be assessed by your bank as a loss of investment income. So if you have already paid withholding tax, this is them, the bank re-credit. This only works until the next interest payment of the bond. Then you have to pay the withholding tax. Especially useful this approach is when you move it into an income year in which you get little or no other income. Then you pay the tax office may complete the withholding tax back if you stay under the exemption limits.
The second investment, worth taking a look at the calendar is a solar system or a solar fund. This year, namely three positive factors come together: first significant drop in prices for solar modules, the second one to end consistently high level of support by the Renewable Energies Act and thirdly, very low interest rates. This results in solar installations whose earnings are fed and financed on credit, very attractive returns. This can go up into the double digits.
But beware: such investment will be carefully considered and tested individually. In no case should the investor can put in stress on the fact that the conditions are likely to worsen with the new year. After all, he ties 20 years or longer. Such investment is therefore more akin of a marriage as a normal investment.
