【知らないと100％損します！】資産管理会社を作って大幅節税している人達のヒミツ

Summary

This video explains the benefits of setting up a private company for tax savings. It discusses how private companies can manage assets like cash, stocks, and real estate, and highlights the tax advantages compared to personal income tax. The video covers scenarios where private companies are beneficial, such as for salaried employees with side businesses, inheritance tax planning, and business owners. It also details the steps to establish a private company and the costs involved. Viewers are encouraged to register for more tips and consultations on asset management and tax strategies.

Takeaways

• 🏢 **Private Companies for Asset Management**: The video explains how private companies, primarily set up for asset management rather than regular business activities, can be beneficial for individuals and business owners.
• 💰 **Tax Benefits**: Establishing a private company can lead to significant tax savings, particularly for high-income earners. Corporate tax rates can be lower than individual income tax rates, making it advantageous to manage assets through a company.
• 📊 **Income Distribution**: Private companies allow for income to be distributed among family members, potentially reducing the overall tax burden by taking advantage of lower tax rates for each individual.
• 🏠 **Expense Deductions**: Owning a private company expands the range of deductible expenses, such as corporate housing, which can be a substantial tax benefit.
• 🚀 **Business Flexibility**: For business owners, a private company offers more flexible and strategic options for managing assets, especially for those earning over 10 million yen or those involved in multiple ventures.
• 👨‍👩‍👧‍👦 **Inheritance and Estate Planning**: Private companies provide effective strategies for estate planning and inheritance, helping to minimize the impact of inheritance taxes and facilitating the transfer of wealth to heirs.
• 🏢 **Avoiding Family Disputes**: By holding assets in a private company, it becomes easier to distribute shares among heirs, potentially avoiding disputes over the division of physical assets like real estate.
• 📉 **Loss Carryforward**: Private companies can carry forward losses for up to 10 years, providing a way to offset future profits and reduce tax liabilities.
• 🔧 **Setting Up a Private Company**: The process of setting up a private company involves decisions about the company’s structure, capital, and registration, with options like LLCs being simpler and more cost-effective compared to corporations.
• 👥 **Ongoing Costs and Management**: Maintaining a private company involves ongoing costs such as taxes, accounting, and administrative fees, which need to be considered against the potential benefits.

Q & A

What is a private company as described in the script?

A private company is generally established for the purpose of asset management for its owner. It does not engage in typical business activities like a regular company, but instead focuses on managing assets such as cash, stocks, and real estate.

Why would someone create a private company to manage their assets?

Creating a private company offers various tax benefits. For example, the tax rate for corporations can be lower than for individuals, and there are more opportunities to claim expenses and carry forward losses.

Is setting up a private company for asset management legal?

Yes, it is legal as long as the company follows the established rules and properly declares its taxes.

What are some tax advantages of a private company compared to individual asset management?

For example, the income tax rate for individuals with taxable income of 40 million yen is 45%, plus 10% resident tax, totaling 55%. In contrast, the corporate tax rate is around 34%. Additionally, corporations can claim more expenses and carry forward losses for up to 10 years.

Who can benefit from establishing a private company?

Three main groups can benefit: salaried employees with side businesses, those planning for inheritance tax, and owner-managers of companies.

How can salaried employees with side businesses benefit from a private company?

They can reduce their tax burden by taking advantage of the difference between personal income tax and corporate tax rates. Income from side businesses or investments can be taxed at the lower corporate rate.

What is income splitting and how does it work with a private company?

Income splitting involves distributing income among family members to reduce the overall tax burden. For example, instead of one person receiving all income and being taxed at a higher rate, part of the income can be paid as a salary to a lower-income family member.

What types of expenses can a private company claim that individuals cannot?

A private company can claim expenses such as rent for an executive's residence and a portion of life insurance premiums. These expenses reduce the taxable income of the company.

How does establishing a private company help with inheritance tax planning?

A private company can pay salaries to family members, effectively transferring wealth with a lower tax burden compared to inheritance or gift taxes. Additionally, assets transferred through the company can help provide funds for paying inheritance taxes.

What are some considerations and potential disadvantages of establishing a private company?

Establishing and operating a private company incurs costs and requires administrative work. There are setup costs, ongoing fees for tax filing, and potential issues with the value of the company if it needs to be sold.