Taxes save on the life work time account

Comsol enterprise solutions AG, Eschborn with Frankfurt (openPR) - each year to Silvester the same question, around whose answer one makes oneself partly so much trouble: What did you plan in such a way for the new year With smoking stop, more sport float, a foreign language learn „Taxes do not why even save “- with the life work time account thereby at the same time various advantages are offered for employers and employees.

Basis of the life work account is the Flexi law of 1998, which permits the employee to develop during its working life gross value assets which it can use for later Freitzeitphasen. Also an earlier beginning of pension - however with pay instead of pension - becomes possible thereby.

But the instrument is not only more purely „time manager “. So special payments can be used such as Weihnachts or holiday pay, variable remuneration such as Bonifikationen or percentages of profits, and also current pay for the deposit on the life work time account. Determines excluding the employees the height and the time of the transfer, because an obligation to current deposits does not exist.

And the effect of the deposit „feels “the employee immediately. During a wage increase of 100 euro if straight times 40 euro would arrive in its purse, then it can make saved gross wage from it for 120 euro during deposit of the 100 euro on the life work time account against it.

Because the time of the payment of taxes affects itself with the life work account for the taxpayer positively. Who takes precautions in the usual way, usually out income already paid duty capital saves. Later it must pay income taxes again on the capital returns of the saved one. „Before the background of the saver free allowances lowered in 2007 this is an argument ever more deciding “, so the time account expert Martin Oehler.

This double taxation is void with the life work time account. Content components can be brought in on the account led in monetary value in the height for an unlimited period and above all gross. Wage taxes and social security contributions are only exhausted if from the value assets amounts are inferred for the financing by exemptions.

The fiscal supply and thus the immediate taxation are avoided thereby as the life work time account runs on the name of the enterprise. The longer „the remainder “- life work time, the more profits the employee from the clearly noticeable compound interest effect. „With it a Vorruhestand with 60 is years possible “, stresses Martin Oehler.

In addition, the enterprises can profit: from the deposits of the employees on the time accounts result quiet reserves, which grow together with the net yields of the investment. In the case of a dissolution of the accounts and/or withdrawal of assets generate the enterprise thereby even liquidity from saved income taxes. Nevertheless - the feared administrative administration expense lets an entrepreneur back-frighten still to some to use the dynamic instrument of the personnel price increase actively.

„Regular resulting administrative activities must be today no brake wedge in the operational operational sequence “, so Urs feasting man, chairman of the board of the Comsol enterprise solutions AG from Eschborn with Frankfurt. „Life work time accounts already use half of our coworkers - the pertinent administrative process was with the help of our Businesses software fast illustrated and thus also automated “, describes feasting man. Basis of the solution is Microsoft Dynamics TM Navision, which uses Comsol both in the customer order further developed and in in-plant process and regularly further refined.

So the mechanism of the necessary monetary value accounts could be already realized by the standards of the software fast, with which for example the desired savings contribution per coworker is booked automated about the appropriate account. Following splitting of the amount on the investment wished by the saver including the necessary bank credit transfer runs then „in the background “- here the application uses of Comsol had found fast a solution, which runs already also as „ADD on “successfully in customer projects. And finally the expenditure for control of the respective work procedures - also this is already taken off as standard in the Business software.

The life work time account shows up altogether as a very attractive equipment of the personnel policy, which can be inserted and converted flexibly into the enterprise process. It can do however still more - in addition, the initiation of the offer on the part of the employer should have a positive signal effect on the coworker: the connection of the coworkers to the own enterprise is increased, reduced coworker knowledge secured as well as fluctuation costs. Because tax save makes fun - a good resolution for the new year!

Comsol enterprise solutions AG
Leader marketing
Dipl. Betriebswirt Andreas Paersch
Main street 221
65760 Eschborn
Telephone: 06173-9357-100
E-Mail: apaersch@comsol.ag
Internet: www.comsol.ag

Since 1986 Comsol enterprise solutions AG supports medium-size enterprises to arrange their commercial processes by modern information technology simpler and thus more efficient. As Microsoft gold Certified partner has itself the enterprise on the consultation, implementation, training and program development of the Businesslösung Microsoft Dynamics NAV
(in former times Navision) specializes.

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