{"id":4104,"date":"2023-02-13T00:00:00","date_gmt":"2023-02-13T00:00:00","guid":{"rendered":"https:\/\/well-tax.com\/tax-free-saving-accounts\/"},"modified":"2023-09-27T13:04:21","modified_gmt":"2023-09-27T12:04:21","slug":"cuentas-de-ahorro-libres-de-impuestos","status":"publish","type":"post","link":"https:\/\/well-tax.com\/es\/taxfree-saving-accounts\/","title":{"rendered":"Tax-free Saving Accounts nel Regno Unito"},"content":{"rendered":"<h2><strong style=\"font-size: 13px;\"><u>Individual Savings Accounts (ISA) en el Reino Unido<\/u><\/strong><\/h2>\n<p>En el Reino Unido, el Individual Savings Accounts (ISA) es un instrumento de ahorro e inversi\u00f3n fiscalmente eficiente que permite ahorrar e invertir cada a\u00f1o, libre de impuestos, hasta un determinado l\u00edmite. En el Reino Unido existen distintos tipos de cuentas individuales, cada una con caracter\u00edsticas y ventajas espec\u00edficas. Los intereses, rendimientos y plusval\u00edas de las cuentas individuales de ahorro no tendr\u00e1n que declararse en la declaraci\u00f3n de la renta a menos que se superen determinados l\u00edmites de aportaci\u00f3n que se indican a continuaci\u00f3n.<\/p>\n<h4><u>Cuenta ISA<\/u><\/h4>\n<p>Una Cash ISA es una cuenta de ahorro que permite ahorrar dinero libre de impuestos. Los intereses devengados por el saldo de una cuenta ISA de efectivo est\u00e1n exentos de impuestos y no hay l\u00edmite a la cantidad que puede ahorrarse en este tipo de ISA. No obstante, el importe que puede ahorrarse est\u00e1 sujeto a un l\u00edmite anual. Las aportaciones a las cuentas individuales para el ejercicio fiscal 2022\/23 se mantienen en 20.000 libras.<\/p>\n<p>Para abrir y aportar a una cuenta ISA en efectivo, los particulares deben cumplir determinados requisitos.<\/p>\n<ul>\n<li>Requisitos de edad: las personas deben tener al menos 16 a\u00f1os:<\/li>\n<li>Requisitos de residencia: las personas deben ser residentes en el Reino Unido;<\/li>\n<li>Requisitos de identificaci\u00f3n: las personas deben acreditar su identidad y direcci\u00f3n.<\/li>\n<\/ul>\n<h4><u>Acciones y participaciones ISA<\/u><\/h4>\n<p>Una cuenta de inversi\u00f3n en acciones es una cuenta de inversi\u00f3n que permite a los particulares invertir en una serie de activos, como acciones, bonos y fondos, sin pagar impuestos sobre las plusval\u00edas o los ingresos obtenidos. El importe que puede invertirse en una cuenta de ahorro en acciones tambi\u00e9n est\u00e1 sujeto a un l\u00edmite anual. Al inicio de cada nuevo ejercicio fiscal, tiene derecho a una desgravaci\u00f3n anual de 20.000 libras.<\/p>\n<h4><u>ISA vitalicia (Lifetime ISA)<\/u><\/h4>\n<p>La Lifetime ISA es una cuenta de ahorro e inversi\u00f3n dise\u00f1ada para ayudar a las personas a ahorrar para la compra de su primera vivienda o para la jubilaci\u00f3n. Las aportaciones realizadas a una cuenta ISA vitalicia dan derecho a una bonificaci\u00f3n del Estado, que se abona anualmente hasta los 50 a\u00f1os. El importe que puede ahorrarse en una cuenta ISA vitalicia est\u00e1 sujeto a un l\u00edmite anual.<\/p>\n<p>Es posible pagar hasta 4.000 libras al a\u00f1o hasta los 50 a\u00f1os. El primer pago de la cuenta debe efectuarse antes de los 40 a\u00f1os. El gobierno a\u00f1adir\u00e1 una bonificaci\u00f3n del 25% a tus ahorros, hasta un m\u00e1ximo de 1.000 \u00a3.<\/p>\n<p>Al cumplir los 50 a\u00f1os, ya no podr\u00e1 realizar aportaciones a su cuenta de ahorro vitalicia ni obtener la bonificaci\u00f3n del 25%. No obstante, su cuenta de ahorro seguir\u00e1 abierta y seguir\u00e1 obteniendo intereses por sus ahorros. Para abrir y mantener una cuenta ISA vitalicia debe ser residente en el Reino Unido.<\/p>\n<p>S\u00f3lo puede retirar dinero de su cuenta ISA si es residente en el Reino Unido por los siguientes motivos:<\/p>\n<ul>\n<li>Comprar su primera vivienda por un valor de hasta 450.000 \u00a3;<\/li>\n<li>60 a\u00f1os o m\u00e1s;<\/li>\n<li>Enfermo terminal con menos de 12 meses de vida.<\/li>\n<\/ul>\n<p>En caso de retiradas de la cuenta, pagos de la cuenta o activos por cualquier otro motivo (tambi\u00e9n conocidas como retiradas no autorizadas), se cobrar\u00e1 una comisi\u00f3n del 25% equivalente al importe gastado\/retirado. Por ejemplo, suponiendo que no crezca durante los dos primeros a\u00f1os, ante un dep\u00f3sito inicial de 8.000 libras, le reportar\u00e1 una bonificaci\u00f3n del 25% del gobierno de 2.000 libras y le dar\u00e1 un ahorro total de 10.000 libras. Si desea retirar el importe \u00edntegro, el gobierno le cobrar\u00e1 un impuesto del 25% sobre la totalidad de las 10.000 \u00a3. Por lo tanto, tendr\u00e1 que pagar una tasa de retirada del gobierno de 2.500 libras. Quedar\u00e1n 7.500 libras, 500 menos que el pago inicial.<\/p>\n<p>En el Reino Unido existen distintos tipos de ISA, cada uno de ellos con caracter\u00edsticas y ventajas \u00fanicas, por lo que es esencial que las personas consideren sus objetivos y circunstancias financieras antes de tomar una decisi\u00f3n. Es importante investigar y comparar distintas opciones y, si es necesario, buscar asesoramiento profesional para encontrar la ISA que mejor se adapte a sus necesidades.<\/p>\n<p>Foto de <a href=\"https:\/\/unsplash.com\/@anniespratt?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText\">Annie Spratt<\/a> en <a href=\"https:\/\/unsplash.com\/photos\/flVuw7nbzmM?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText\">Unsplash<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Individual Savings Accounts &#8211; ISA An Individual Savings Accounts (ISA) is a tax-efficient savings and investment product that allows individuals to save and invest up to a certain limit each year, tax-free. There are several types of ISAs available in the UK, each with its own unique features and benefits. ISA interest, income, or capital [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-4104","post","type-post","status-publish","format-standard","hentry","category-taxation"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tax-free Saving Accounts - WellTax<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/well-tax.com\/es\/cuentas-de-ahorro-libres-de-impuestos\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tax-free Saving Accounts - WellTax\" \/>\n<meta property=\"og:description\" content=\"Individual Savings Accounts &#8211; ISA An Individual Savings Accounts (ISA) is a tax-efficient savings and investment product that allows individuals to save and invest up to a certain limit each year, tax-free. 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