Tax risks of investment-type insurance policies
投資型保單的課稅風險取決於「利得」（提領金額 - 已繳保費），而非是否超過本金。
若無利得則免稅；若有利得，則視全年所得與免稅額決定稅負。提領金額低於9.2萬（2024年標準）可免稅，超過則併入綜合所得稅申報（稅率5%~40%）。
投資 100 萬以下無需擔心，200 萬以上建議分年提領、合理規劃節稅。
投入 500 萬以上者應提前稅務規劃，避免高額稅負。
Chen Fa. Miscellaneous Studies
Every encounter is a practice
Chen Fa. Miscellaneous Studies
Every encounter is a practice
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Dreaming of Ah Ben
彷佛是在用這一方式安慰我，我當天所下的決定，直接帶祂回家安寧，是最好的選擇，至少可以讓祂在安心熟識的家裡，倚靠我身上慢慢的離去。
也不知道為什麼要讓我做這樣一場夢，重新再體會一次告別的場景，而且還是在最糟的醫院，冰冷鐵籠裡別離，這一切都是那麼刻骨銘心。
Ah Ben takes medicine
For the sake of his selfish master, Ah Ben is forced to take so many different kinds of medicine and nutritional supplements every day, and is often given subcutaneous injections. Although he is extremely reluctant, he will still cooperate a little, allowing me to feed him by hand each time, which only takes a second, and giving him the medicine in batches can be completed in less than a minute.
It seems like a dream!
Just like every time I woke up, I first touched his head, scratched his chin, pinched his neck, stroked his torso, stroked his tail, pulled his little hand, and pressed the cute flesh-colored little bear. Finally, as usual, I buried my head in various parts that had always smelled good, took a few deep sips, and then kissed him, telling each other that it was about time to go out and move forward.
Aben
Ah stupid! Daddy really, really loves you. You will always be my most beloved son. Xiaotian and Shasha are also my favorite children. I am really lucky and happy to have these three little cuties to accompany me for so many years.
How to save money on your home Wi-Fi network
Just buy a 4G L...
Wounds are medals of growth, but no need to thank
I used to think that the person next to me was the most reliable, but I found that the deepest wounds often come from the people I care about the most. Love begins as gentle as drizzle, but often ends in determination and indifference. He learned not to trust easily and not to open up completely. Time may dilute everything, but it cannot erase the scars. Growth is inevitable, but hurt is not worth being grateful for. From then on, he smiled in the crowd and remained silent in the night. He learned to be reserved, to be on guard, and to move forward alone.
Love because of loneliness, more lonely because of love
Loneliness makes people yearn for love, thinking that the company of two people can fill the emptiness in their hearts, but they find that loving too hastily and for a short time makes them more lonely in the end. If love is just to escape loneliness, it is just a transaction and cannot truly save anyone. Only by learning to get along with yourself and finding happiness in solitude can you have light love rather than heavy dependence. What truly fills loneliness is not another person, but yourself. Before loving someone, learn to love yourself first.
How to improve frizzy hair problem?
The main causes of frizzy hair include high temperature damage, frequent perming and dyeing, environmental influences and moisture loss. Improvement methods: Choose mild hair care products, avoid high-temperature washing with water and irritating ingredients; blow-dry correctly, finish with cold air and use heat-resistant products; replenish moisture and nutrition, take Omega-3 and B vitamins; regularly deep care hair, such as keratin repair or salon-level care; avoid washing your hair every day to maintain the balance of oil and water. Pairing with hair oil and an anti-static comb can further reduce frizz for smoother, healthier-looking hair.
Is investment-type insurance tax-exempt?
Investment-type insurance is not completely tax-free, but it does enjoy the advantage of tax deferral. During the internal operation of the policy, asset appreciation and dividends are not taxed, but if the policy is terminated or partially withdrawn, the gains exceeding the premiums paid must be included in the personal comprehensive income tax return. Death benefit proceeds are usually tax-free, but if the estate exceeds the tax-free amount, it is still subject to estate tax. Compared with directly holding ETFs, investment policies can defer taxation and are suitable for long-term asset allocation, but frequent withdrawals still have tax costs.
