The annual taxable income greater than 1 million zł declared last year about 16 thousand. people. This preliminary data from tax chambers for 2014. They show that the trend of previous years – in which millionaires were coming regularly – persists. Over the last year a bunch of wealthy has grown by almost 1,400 people.
Prym lead regions with large cities, as Mazovia. Here we have the most millionaires, last year there were a lot of their 4278th also in Wielkopolska, for 1692. However, the relatively fast get rich residents of regions that are not synonymous with wealth. The highest percentage of millionaires arrived in Swietokrzyskie; their number increased by one third. In second place in this respect is Podlasie.
Partner at KPMG Andrzej Marczak said that the wealthiest Poles earn a property of three ways. The first is his own business. If someone earns correspondingly much, it chooses to be linear rate of 19 percent. This relatively low taxation for such a high income. According to calculations by KPMG, this form of taxation begins to pay off already with 120 thousand. zł annual income.
– Another wealthy group are highly paid workers, mostly high-level managers. How much can you earn by being a member of the board of the bank listed on the stock market, can be seen in reports of such institutions – are at stake millions of dollars a year – explains Marczak. The others are those who derive solely from investment income, eg. In real estate, or earned in the stock market. The data from most chambers, however, shows that profits from the sale of securities in the past year were lower than a year earlier.
According to information sent to us by 11 of the 16 chambers of foreign income last year that declared taxpayers, amounted to almost 11 billion zł and was 17 percent. higher than a year earlier. The declaration made 208 thousand. taxpayers. The largest group accounted for in the offices of the Wielkopolska region (over 28 thousand. People) and Podkarpackie (24.6 thous.). Income from abroad also received a large group of residents of Lower Silesia (22.4 thous. Taxpayers).
PKO BP economist Kamil Cisowski growing foreign revenues associated not only with the scale emigration, but also with the change its structure. For work more often they leave people with high qualifications, attracted by attractive salaries abroad. – The first waves of emigration concerned persons engaged in low-paying manual labor, now intensified job search process by specialists such as banking by doctors, and ending with the engineers – our interlocutor notes.
By Cisowski it will be difficult to stop this process. Helpful would be an increase in wages in the country, but it can only slow down the emigration. Because the second reason is the offer of social mobility – in other countries incomparably better than in Poland. According to the economist that the budget for this yet gains (because they grow tax income), it is rather temporary. – If somebody decides to leave, it is difficult to expect that throughout his life will be accountable taxes in Poland. People who quit permanently, they are a waste also from a budgetary point of view – says Cisowski.
Chamber of podliczyły a pre-tax income of Poles derived from stock exchange transactions. According to information sent to us by the 14 chambers that last year’s profits from the sale of the shares were lower than a year earlier. Also decreased the number of investors who earned on such sales. Almost 163 thousand. taxpayers obtained in this way, a total of nearly 4.1 billion zł income. In 2013. It was 175 thousand. these taxpayers and their income was 4.6 billion zł. At the same time it increased the circle of those who ended their adventure stock exchange at a loss. Last year there were 107 thousand. such persons to 96,2 thousand. a year before. The total loss was smaller and amounted to 1.35 billion zł, compared with 1.5 billion zł year earlier.
decrease in the number of profitable transactions and an increase in those in which investors decided to realize a loss can attest to the fact that some players discouraged the stock market and looking for new, more attractive forms of investment. Indeed, in recent years, it is difficult to earn on the shares. Last year, the main WIG index rose by only 0.3 percent. In the case of the largest companies in the index WIG-20 was worse, because it fell 3.5 percent.
– It is difficult to say whether the data on income from the stock market are only a reflection of what was happening on the floor in the previous year. Perhaps testify about changing the structure of savings and investments, can investors seek profits elsewhere. Recently, we eg. A lot of real estate purchase for cash – notes analyst Jaroslaw Sadowski Expander. I like that most investors prefer safe forms like the purchase of bonds and bank deposits, and the stock market last year could discourage weakening their role of pension funds.
This demand for shares from OFE over the years sustained prosperity on the dance floor. When the government reduced transfers to the funds outflow of a large part of the insured to Social Security, and the position OFE clearly decreased. Some investors might conclude that on the Warsaw Stock Exchange will be difficult for a decent profit. – In addition to successfully invest in the stock market, you need to have the time and knowledge, able to analyze companies whose shares or she has, and all the sectors in which they operate. The risk of investment in the stock market is high – concludes Sadowski.
Taxes not interfere with a rich
This is not the Polish tax system determines the level of affluence. – Regardless of its number of wealthy Poles and so it grows, and probably will continue to grow, because it is mainly due to economic development. The tax system here is not the decisive factor – Provides Andrzej Marczak, a partner at KPMG in Poland. If we compare our tax rates in Western Europe, it turns out that they are relatively low.
– For such a big country with such a large budgetary needs PIT at 18 and 32 percent. It seems to be acceptable. But against the background of the countries of Central and Eastern Europe, with which we compete, loss of already worse. In many neighbors are flat taxes with even lower rates. If we add other labor costs as contributions to ZUS burden with us will prove to be relatively high – believes Marczak.
KPMG estimates that the total income of the wealthy – defined as those earning more than 7,1 thousand monthly. zł gross – maybe this year amount to nearly 154 million zł. Most of this amount would constitute income from work (77 million zł), but a little less can get individual entrepreneurs clearing up by 19 per cent. Line PIT (72.4 million zł), which is usually self-employed, highly qualified specialists. The third largest source of wealth is to be the sale of shares on the stock market (4.4 billion zł). From the annual reports of KPMG luxury goods market, from which these data indicate that a group of wealthy Poles is growing. – In 2000. It was approx. 300 thousand. people today shoot up to one million. Progress is very clear – says Andrzej Marczak.
The richest – those whose liquid assets are worth more than $ 1 million. – It is in Poland approx. 50 thousand. Here KPMG refers to the calculation of the Swiss Crédit Suisse. The rich have little in comparison with other European countries, even those with smaller populations, such as Portugal (76 thous.). In 2014. In this respect ahead of us even Greece (90 thous. People) and countries such as France (2.5 million), United Kingdom (2 million) and Germany (2 million) are out of our reach. Furthermore, our rich people are relatively poor, as much as 89 percent. one has capital ranging from 1 million to 5 million dollars. These high-end – with a fortune of more than $ 100 million. – Is barely a hundred.
According to the KPMG report richest Poles are mainly people aged 40-59 years, living in the biggest cities, which indirectly coincides with the data we obtained from Chambers bills. More than half are private entrepreneurs, 20 percent. is the highest managers.
Those who quit permanently, they are a waste of budgetary point of view
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