An important tip is to rely on tax planning so as not to miss out on taxes
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With more than 15 years of experience in financial healthcare consulting, administrator Júlia Lázaro has noticed a movement: doctors and other professionals in the area are also becoming investors. Investing money in stocks on the stock exchange or even investing funds abroad has become a recurring practice.
The specialist is founder and CEO of Mifokus, a financial solutions company for healthcare professionals and businesses, and in this period of the year when the public requires the provision of tax return services, identifies the recurrence of investments of this type. “This trend is evident,” he says.
According to her, more conservative investments — such as savings, fixed-income bonds or Treasury bills — have always been part of health care providers’ strategies to increase profitability and ensure financial stability in the future. Among the preferences, on the other hand, the more volatile options did not usually appear, even for the profile of those who work in healthcare activities.
“The training of doctors and other professionals in the area is very focused on the practice of medicine. Accounting, administration, finance are not current subjects, so it is natural that the road is for more conventional options. But investing on the stock exchange or abroad is an interesting alternative, which guarantees good returns”, quotes Júlia Lázaro, noting a certain preference for investments in the United States, in order to build reserves “in hard currency”.
Women stand out more and more in this market
Júlia also notes that professional women stand out in this movement.
“We see more and more female doctors buying shares on the stock market, especially those that generate dividends, or investing in real estate funds. It is a way to ensure continued income. As the scenario today is hiring health professionals by PJ [Pessoa Jurídica]this dividend income compensates for the lack of remuneration when such professionals take holidays, for example,” explains the specialist.
However, driving is essential. Not only because finance training is not part of the health professional’s journey, but also because the life of an investor — whatever the mode of application — requires specialized analysis and continuous follow-up.
In addition to the ups and downs of the Stock Exchange, attention must be paid to the “complex tax regulation” that has taken place on these types of investments. Júlia illustrates a recent legislative change, established by the provisional measure 1.171/2023, which deals with the taxation of income tax on capital gains from investments abroad: from 2024 capital gains exceeding R$ 6 thousand will be taxed.
As regards investments abroad – through the so-called “offshore” (companies incorporated abroad) -, the consultant reiterates that, under well-prepared guidance, they constitute a legitimate option. “It is not illegal to have offshore. Respecting the rules of the Central Bank, making declarations such as the one for Brazilian Capital Abroad and the Annual Income Tax Adjustment, it is a safe and transparent investment ”, he underlines.
In any case, underlines the specialist, tax planning consultancy is essential “to avoid the risk that dividends from investments are drained, in large part, due to the payment of taxes higher than what is really necessary”. With a plan like this, the investor strictly fulfills his obligations with the Tax Authorities, and guarantees the full return on his investments.
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Source: Terra
Ben Stock is a lifestyle journalist and author at Gossipify. He writes about topics such as health, wellness, travel, food and home decor. He provides practical advice and inspiration to improve well-being, keeps readers up to date with latest lifestyle news and trends, known for his engaging writing style, in-depth analysis and unique perspectives.
