{"id":1243,"date":"2019-06-12T14:54:07","date_gmt":"2019-06-12T12:54:07","guid":{"rendered":"https:\/\/burele.nl\/?p=1243"},"modified":"2019-10-18T12:26:53","modified_gmt":"2019-10-18T10:26:53","slug":"paren-in-de-bv","status":"publish","type":"post","link":"https:\/\/burele.nl\/?p=1243","title":{"rendered":"$paren in de BV"},"content":{"rendered":"

Wel of niet sparen in de bv?<\/h1>\n
\n

Je inkomen uit sparen en beleggen wordt belast in box 3. In deze box betaal je meer belasting naarmate je vermogen groter is. Is sparen en beleggen in de bv dan een betere oplossing?<\/p>\n<\/div>\n

\n

Heffing in box 3<\/h2>\n

De belasting die je betaalt in box 3 is gebaseerd op een verondersteld rendement. Het werkelijke rendement doet er niet toe. Zelfs als je verlies lijdt op je beleggingen, betaal je toch belasting.<\/p>\n

\"\"<\/p>\n

Hogere heffing bij groter vermogen<\/h2>\n

De belasting in box 3 neemt toe naarmate je meer vermogen bezit, omdat bij een groter vermogen wordt uitgegaan van een hoger verondersteld rendement, dat op loopt tot zelf 5,6%. Het belastingtarief is vastgesteld op 30% en wordt berekend over dat veronderstelde rendement.<\/p>\n

Tarieven 2019<\/h2>\n

Over de eerste \u20ac 30.360 aan vermogen betaal je geen belasting. De belastingdienst gaat er van uit dat je over de volgende \u20ac 71.650 van je vermogen een rendement van 1,94% haalt. Over een belast vermogen van \u20ac 71.650 tot \u20ac 989.736 is dat 4,45% en bij een vermogen boven \u20ac 989.736 zelfs 5,6%. Dat is toch wat anders dan wat de gemiddelde Nederlander op zijn spaarrekening krijgt!<\/p>\n

Sparen of beleggen via de bv<\/h2>\n

Heb je een bv of richt je een bv op om hierin te sparen en \/of te beleggen, dan betaal je belasting over het werkelijk behaalde rendement. Spaar je tegen een rente die nauwelijks meer bedraagt dan 0%, dan betaal je dus ook nauwelijks belasting. Een fors rendement dat met beleggen is behaald, wordt daarentegen ook fors belast.<\/p>\n

Tarieven Vpb<\/h2>\n

In de bv betaal je vennootschapsbelasting over het rendement. Zodra je het behaalde rendement uitdeelt, betaal je ook belasting in box 2. Tezamen levert dit in 2019 een belastingdruk op van 39,25% voor een winst tot \u20ac 200.000, daarboven is het tarief 43,75%. Vanaf 2021 zal deze belastingdruk iets afnemen (37,87% respectievelijk 41,89%).<\/p>\n

Wat is het rendement?<\/h2>\n

Het bovenstaande betekent dat bij een gering rendement het voordeliger is je vermogen in je bv onder te brengen. Bij een hoog rendement is het voordeliger om je vermogen in priv\u00e9 te houden. Waar het omslagpunt voor jou ligt, is onder meer afhankelijk van de winst van de bv, het behaalde rendement en de omvang van je priv\u00e9vermogen.<\/p>\n

Bijkomende zaken<\/h2>\n

Buiten financi\u00eble overwegingen om wel of niet voor een bv te kiezen, moet je je ook te realiseren dat een bv verplichtingen met zich meebrengt. Je moet een administratie aan leggen, een jaarrekening (laten) opstellen en een aangifte vennootschapsbelasting in (laten) dienen. Ten slotte is de jaarrekening van de bv openbaar, waardoor iedereen kan zien hoeveel vermogen je in de bv hebt zitten. Bedenk daarom goed of je deze zaken accepteert.<\/p>\n

Heb je vragen over sparen en beleggen in een bv of in priv\u00e9, neem dan contact met ons op.<\/p>\n<\/div>\n

Bron:\u00a0SRA\u00a0– Publicatiedatum:\u00a006-06-2019<\/p>\n","protected":false},"excerpt":{"rendered":"

Wel of niet sparen in de bv? Je inkomen uit sparen en beleggen wordt belast in box 3. In deze box betaal je meer belasting naarmate je vermogen groter is. 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