上回講到主動同埋被動收入啲分別係工作自由度,今次會講另一個分別,就係稅項。
首先你可以同小朋友解釋乜嘢係稅項,政府為社會上不同階層嘅人提供服務,例如修橋築路、建學校醫院、公共治安、安全衛生設施、社會福利等,所需要嘅經費很大部分都係嚟自稅收,而市民就需要為打工嘅薪金交薪俸稅,公司賺到錢就要俾利得稅,買賣股票房屋就要俾印花稅等等。
稅項就係每一個人對於社會嘅義務,不能逃避。透過主動式收入所需繳交嘅稅率,往往比被動式收入所交嘅稅率為高。以公司為例,好多營運業務嘅經費都可用作豁免稅項,因為公司聘請員工提供就業機會,對政府而言喺一種社會責任,所以市民有咗工作,對於政府提供嘅福利需求就會相對較少,幫手減輕政府嘅財政負擔。有良好嘅稅務知識同安排,就可以善用被動式收入所帶嚟嘅好處。
利益申報,FinKAB並非提供任何投資、稅務建議,讀者應該自行搵相關專業人士提供獨立建議。

(Continuing..) Let’s talk about another difference between active and passive income, i.e. tax efficiency.
First, you might have to explain to kids what taxes are. Tax is the main source of government income to provide services to the society, e.g. building roads, building schools & hospitals, public safety, and health facilities, social welfare and etc. Citizens have to pay salary tax, company have to pay profit tax, stocks & property transactions are subject to stamp duty.
Tax is an obligation for everyone in the society and cannot be avoided. Payable tax rate of active income generator is generally higher than that of a passive income generator. e.g. Operation expenses of a company may be tax deductible as the companies provide job opportunities to people which is, in the eyes of the government, a kind of social responsibilities. When people have jobs, it reduces the government’s burden on social welfare. With good tax knowledge and planning, you may benefit tax efficiency from earning passive income.
Disclaimer: FinKAB does not provide any investment or tax advices. Readers are advised to seek help from professional advisors on any investment or tax matters.

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