III pensionisamba väljamaksed (mitte ainult tulu!) on maksustatud 22% tulumaksuga. Isegi, kui sa tulu pole saanud ehk sammas pole kasvanud ja soovid oma raha välja võtta, siis pead ikkagi maksma väljamakse ehk käibe pealt tulumaksu 22%.
Kui maksu võetakse käibelt, siis tuleb seda maksu nimetada ka õige nimega - käibemaks. Antud juhul, kus tulu pole teenitud, maksustatakse tulumaksuga käivet, mis on tavainimese jaoks eksitav ja võimalik, et ka ebaseaduslik.
Pensionikeskus räägib oma lehel vaid tulumaksust https://www.pensionikeskus.ee/iii-sammas/valjamaksed/ täpsustamata, et see rakendub kogu väljamaksele, mitte ainult tulule. See on tavalise inimese jaoks eksitav.
Maksustamine selgeks! Kui maksustatakse ka käivet, siis tuleb seda osa nimetada käibemaksuks, mitte tulumaksuks.
No Pillar III benefit at all?
Good day, I just wonder why there is an additional tax on it. I started paying into my III Pilkar since June 2024 because I am foreigner and started working. I go in pension in 2032, hence I have payed only around 8 years. Even with the profit I currently get, if I have to pay 22% income tax, I get the same as I have payed in. And if I count additional the inflation, I get only 70-80% out. What is then the benefit with the III Pillar? Note: Nobody told me that. It seems, it is better to invest in stocks and fonds or realestate which give a nice benefit. Note 2: I started in January 2025 with stocks and funds and got already in the first year over 50€ dividends. If I continue tjis way until 2032, i will get over 200€ dividends a month and since the current taxfree income is 700€ its benefit is much higher.
No Pillar III benefit at all?
Good day, I just wonder why there is an additional tax on it. I started paying into my III Pilkar since June 2024 because I am foreigner and started working. I go in pension in 2032, hence I have payed only around 8 years. Even with the profit I currently get, if I have to pay 22% income tax, I get the same as I have payed in. And if I count additional the inflation, I get only 70-80% out. What is then the benefit with the III Pillar? Note: Nobody told me that. It seems, it is better to invest in stocks and fonds or realestate which give a nice benefit. Note 2: I started in January 2025 with stocks and funds and got already in the first year over 50€ dividends. If I continue tjis way until 2032, i will get over 200€ dividends a month and since the current taxfree income is 700€ its benefit is much higher.
Oma rumalust ei peaks esitlema
Algataja Marko Numma võiks ikka endale enne asjad selgeks teha enne kui hakka mingeid algatusi korraldama. Miks tulumaksu võetakse on astus väga lihtne - lll samba maksetelt saab tulumaksu tagasi.
Millelt siis tulumaksu võetakse? Tulult või käibelt?