[問題] 夫妻的理財與節稅
丈夫六年級前段生,妻子六年級後段生
收入:
丈夫月固定收入:約60000;月其他收入:約20000;年終90000;獎金90000
妻子月固定收入:約60000;月其他收入:約20000;年終80000;獎金70000
負債:
丈夫負債:房貸(浮動利率),還有16年可還清
妻子負債:信貸(4%點多),2012年底可還清
其他必要支出:
保險一年總共約六萬,綜合所得稅率13%
若統籌交由一方處理,房貸一個月繳30000,信貸一個月繳40000,
孝親費一個月共10000,其餘金額作為日常支出、投資、儲蓄,預計會有小孩,
日常支出(食衣住行育樂)戶頭20000,投資戶頭20000,儲蓄戶頭20000,
小孩基金存款戶頭20000,這樣的安排合適嗎?
以上四個戶頭接採用聯名方式處理是否適切?對於投資有無建議?
有沒有比較好的節稅方式?因為這兩年還不會有小孩,長輩也無法報扶養,謝謝!
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