<Anchor> It
is a friendly economy time.
Today (6th), I will be with reporter Kwon Ae-ri.
Today, following yesterday, it is news related to year-end tax settlement.
<Reporter>
Yes, I received a lot of questions yesterday after talking about tax-saving points to be aware of before December passes.
Among them, when preparing for the year-end tax settlement, the most important and most confusing thing is dependents.
Today, I have focused on the most confusing parts of the year-end tax settlement and personal deduction for dependents.
It's income.
Even if the income of parents over 60 years old exceeds 1 million won for the whole year, they cannot become my dependents.
It is written in the information file distributed by the company at the end of the year.
But when I saw my friends, they said that they are dependents even though their parents receive a fair amount of pension. This is very confusing.
Let me ask you a question to the anchor.
It doesn't seem like there are many happy individual investors these days, but my retired father, who had no income, invested in domestic stocks hard and collected about 20 million won this year.
So now that my parents have an income, can my father not be a dependent, or will he be my dependent next year?
<anchor>
So, your father made 20 million won by investing in stocks.
Then, since you explained earlier that our income should not exceed 1 million won, then of course it would not be possible, but looking at the question you asked, it seems that there is a different meaning.
What do you mean?
<Reporter>
Yes, starting with the conclusion, not only has my retired father's wallet been full, but he continues to be my dependent even in the year-end tax settlement early next year.
The tax benefits I will receive are the same.
These days, the tax levied on income from stock investment, the so-called financial investment income tax, continues to be debated over the introduction of the gold investment tax. Anyway, until this year, ordinary individual investors are not taxed on income earned by investing in domestic stocks.
that is not subject to tax.
It is not an income that is subject to such income tax, or it is a bit complicated. Except for income that is subject to separate taxation, you must earn more than 1 million won per year to be excluded from dependents.
Let's take a look at these criteria one by one.
Parents are raising interest or dividend income with the money they have been saving hard.
You don't have to worry about up to 20 million won.
Then, what about the national pension, up to 5.16 million won is fine.
That's 430,000 won per month.
Parents who receive more national pension than this cannot be raised as dependents.
However, there was a tax exemption for the national pension that was poured until 2001.
So, to do this accurately, even if you are a parent who receives quite a bit of national pension, the surest way is to check your parent's 'receipt of pension income withholding' on the website of the National Pension Service.
<Anchor>
It seems that the tax law is really complicated.
Let me just clear it up once.
I think it's a very interesting story.
I have an income.
However, it is not unconditional that there is income, and whether or not this income is taxed is the key, right?
<Reporter>
Yes, you need to be aware of these two key points: whether or not you are attached, and whether or not you are separately taxed.
So, for example, let's say that A's parents receive 5.17 million won from the national pension alone, and B's parents receive 3 million won from the national pension annually, and interest income comes in separately at 15 million won.
Then, the person who actually has much more money in their hands is B's parents, but this person can be B's dependent, and A cannot.
Family A may be a little upset, but the tax law is.
It's good to remember these three numbers: the income of your retired parents.
The national pension has been poured in since 2002, up to 5.16 million won a year, private pensions separately collected up to 12 million won, and interest or dividend income up to 20 million won. It is good to raise it.
Other than that, my parents sold their house this year, received a lump sum severance pay this year, or started a new job this year.
If a new situation like this arises, the money coming in as income due to this new situation is recognized as more than 1 million won, so this is newly calculated and checked again to see if it can be raised as a dependent this year.
Even if it's a little annoying, this is a new situation, so you have to check each one.