IIS and tax deductions
6 questions
What is IIS and which type to choose?
IIS (individual investment account) — a brokerage account with tax benefits. Type A: 13% return on contribution (up to 52,000₽/year with a contribution of 400,000₽). Requires official income, personal income tax. Type B: exemption from profit tax upon closure. Choice: have income and pay personal income tax — type A, no income or expecting higher profit — type B. Minimum 3 years without withdrawal.
How to get a tax deduction for IIS?
Type A:
•Deposit money into IIS.
•Next year, file the 3-NDFL declaration (via Gosuslugi/nalog.ru).
•Attach the 2-NDFL certificate, IIS agreement, payment receipts.
•Receive up to 52,000₽ into the account. Can be filed for the previous 3 years. The deduction can be reinvested.
IIS and tax deductions: what are the most common mistakes with IIS?
A short, practical answer on the topic "IIS and tax deductions": start with your goals in numbers and deadlines, then break down into steps and fix in the budget. Review the plan once a month.
IIS and tax deductions: how to choose assets for IIS type A?
Regarding "IIS and tax deductions," the typical scheme is:
•determine the current point,
•set success metrics,
•choose tools,
•set a deadline,
•automate regular actions.
IIS and tax deductions: what happens if you close IIS before 3 years?
For "IIS and tax deductions," it’s useful to: calculate a baseline scenario and a stress scenario, set aside a 10–20% buffer, and decide in advance which expenses/contributions to cut first.
IIS and tax deductions: how to get a deduction through the personal account of the tax office?
If it’s about "IIS and tax deductions," avoid extremes: do not overestimate expectations, leave room for life, and record progress with small control points.