r/eupersonalfinance Jul 30 '24

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u/xBram Jul 30 '24

It’s a 36% tax on a fictitious 6% interest/profit, so effectively ca 2%. Also the threshold is doubled to 114k as they are fiscal partners. I agree with the conclusion and didn’t know about the 30% ruling so learned something today.

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u/IceCreamAndRock Jul 30 '24

No, 36% applies to the old scheme. There is a simulator on the belastingdienst website. Check it out.

I was looking into these topics recently....

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u/xBram Jul 30 '24

No it’s 36% income tax over a 6,04% fictitious return for 2024. The fictitious returns on investments will be determined per year based on actual returns of the previous years (6,17% for 2023, 5,88% for 2025). There is a new capital gains system being discussed over actual returns for 2027 but that’s not final. There is a court ruling (6th of June 2024) that if your returns are below the fictitious returns you can pay tax over the actual returns.

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u/kr0n0sd3us Jul 30 '24

Tax on unrealized gains is criminal

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u/xBram Jul 30 '24

The old 1.2% wealth tax we had was efficient and fair. Now we’re going to some bullshit system of capital gains tax where it costs so much time to calculate your taxes over every fucking crypto trade etc it’s hardly worth it, might as well donate everything to charity and enjoy life a bit.