{"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":"conti-di-risparmio-esenti-da-imposte","status":"publish","type":"post","link":"https:\/\/well-tax.com\/it\/taxfree-saving-accounts\/","title":{"rendered":"Tax-free Saving Accounts nel Regno Unito"},"content":{"rendered":"<h2><strong style=\"font-size: 13px;\"><u>Conti di risparmio individuali - ISA<\/u><\/strong><\/h2>\n<p>Nel Regno Unito, Individual Savings Accounts (ISA) \u00e8 un strumento di risparmio e di investimento a basso impatto fiscale che consente alle persone di risparmiare e investire ogni anno, in esenzione d'imposta, fino a un certo limite. Nel Regno Unito sono disponibili diversi tipi di ISA, ciascuno con caratteristiche e vantaggi specifici. Gli interessi, i redditi e le plusvalenze degli ISA non dovranno essere dichiarati nella dichiarazione dei redditi se non vengono superati alcuni limiti di contribuzione come evidenziati di seguito.<\/p>\n<h4><u>Cash ISA<\/u><\/h4>\n<p>Un Cash ISA \u00e8 un conto di risparmio che consente alle persone di risparmiare denaro in esenzione d'imposta. Gli interessi maturati sul saldo di un Cash ISA sono esenti da imposte e non vi \u00e8 alcun limite all'importo che pu\u00f2 essere risparmiato in questo tipo di ISA. Tuttavia, l'importo che pu\u00f2 essere risparmiato \u00e8 soggetto a un limite annuale. I contributi agli ISA per l'anno fiscale 2022\/23 restano di 20.000 sterline.<\/p>\n<p>Per aprire e contribuire a un Cash ISA, le persone devono soddisfare determinati requisiti.<\/p>\n<ul>\n<li>Requisiti di et\u00e0: le persone devono avere almeno 16 anni:<\/li>\n<li>Requisiti di residenza: le persone devono essere residenti nel Regno Unito;<\/li>\n<li>Requisiti di identificazione: le persone devono fornire una prova di identit\u00e0 e di indirizzo.<\/li>\n<\/ul>\n<h4><u>Stocks and Shares ISA<\/u><\/h4>\n<p>Un Stocks and Shares ISA \u00e8 un conto di investimento che consente alle persone fisiche di investire in una serie di attivit\u00e0, tra cui azioni, obbligazioni e fondi, senza pagare le imposte sulle plusvalenze o sui redditi conseguiti. L'importo che pu\u00f2 essere investito in uno Stocks and Shares ISA \u00e8 inoltre soggetto a un limite annuale. All'inizio di ogni nuovo anno fiscale, si ha diritto a una franchigia annuale di 20.000 sterline.<\/p>\n<h4><u>Lifetime ISA<\/u><\/h4>\n<p>Il Lifetime ISA \u00e8 un conto di risparmio e investimento pensato per aiutare le persone a risparmiare per l'acquisto della prima casa o per la pensione. I contributi versati in un Lifetime ISA possono beneficiare di un bonus governativo, che viene versato annualmente fino all'et\u00e0 di 50 anni. L'importo che pu\u00f2 essere risparmiato in un Lifetime ISA \u00e8 soggetto a un limite annuale.<\/p>\n<p>\u00c8 possibile versare fino a \u00a34,000 all'anno fino al compimento del 50\u00b0 anno di et\u00e0. Il primo versamento nell'ISA deve essere effettuato prima dei 40 anni. Il governo aggiunger\u00e0 ai vostri risparmi un bonus del 25%, fino a un massimo di 1.000 sterline.<\/p>\n<p>Al compimento del 50\u00b0 anno di et\u00e0, non sar\u00e0 pi\u00f9 possibile contribuire al proprio ISA Lifetime n\u00e9 ottenere il bonus del 25%. Ciononostante, il vostro conto di risparmio rimarr\u00e0 aperto e continuerete a guadagnare interessi sui vostri risparmi. Per aprire e mantenere un ISA Lifetime \u00e8 necessario essere residenti nel Regno Unito.<\/p>\n<p>\u00c8 possibile ritirare il denaro dal proprio ISA se si \u00e8 residenti nel Regno Unito solo per i seguenti motivi:<\/p>\n<ul>\n<li>Acquisto della prima casa su di un valore dell\u2019immobile sino a \u00a3450,000;<\/li>\n<li>60 anni o pi\u00f9;<\/li>\n<li>Un malato terminale con meno di 12 mesi di vita.<\/li>\n<\/ul>\n<p>In caso di prelievo dal conto, pagamenti dallo stesso o di attivit\u00e0 per qualsiasi altro motivo (noto anche come prelievo non autorizzato), verr\u00e0 addebitata una commissione del 25% equivalente all\u2019ammontare speso\/prelevato. Ad esempio, ipotizzando che non ci sia crescita per i primi due anni, alla luce di un versamento iniziale di 8.000 sterline, esso frutter\u00e0 un bonus governativo del 25% di 2.000 sterline e vi dar\u00e0 un risparmio totale di 10.000 sterline. Se si desidera ritirare l'intero ammontare, il governo applicher\u00e0 una tassa del 25% su tutte le 10.000 sterline. Bisogner\u00e1 dunque pagare una tassa di prelievo governativa di 2.500 sterline. Rimarranno cos\u00ec 7.500 sterline, ovvero 500 sterline in meno rispetto al versamento iniziale.<\/p>\n<p>Con diversi tipi di ISA disponibili nel Regno Unito, ognuno con caratteristiche e vantaggi unici, \u00e8 essenziale che gli individui considerino i propri obiettivi finanziari e le proprie circostanze prima di prendere una decisione. \u00c8 importante ricercare e confrontare le diverse opzioni e, se necessario, rivolgersi a un professionista per trovare l'ISA pi\u00f9 adatto alle proprie esigenze.<\/p>\n<p>Foto di <a href=\"https:\/\/unsplash.com\/@anniespratt?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText\">Annie Spratt<\/a> su <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\/it\/conti-di-risparmio-esenti-da-imposte\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\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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