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According to recent statistics, the number of self-employed individuals earning less than the employees they hire has reached 230,000. According to recent statistics, the number of self-employed individuals earning less than the employees they hire has reached 230,000. On September 29, data received by Congressman Heo Seong-moo from the National Health Insurance Corporation revealed that out of 971,000 individual businesses subject to year-end settlement for 2022, 212,000 businesses were assessed for health insurance premiums based on the highest-paid worker's salary, and 227,000 self-employed individuals reported lower incomes than their employees. This means that 227,000 self-employed individuals declared incomes lower than their employees' salaries. The health insurance premiums paid by these 230,000 self-employed individuals amounted to approximately 222.29 billion KRW, which is 1.8 times the annual health insurance premiums of 124.3 billion KRW calculated based on the actu...

When receiving retirement benefits in a lump sum or investing in monthly dividend ETFs, When receiving retirement benefits in a lump sum or investing in monthly dividend ETFs, you may face unexpected tax burdens and health insurance premiums. This article discusses how to prevent these issues and effectively reduce taxes. It introduces strategies for actively utilizing Individual Savings Accounts (ISA) and pension accounts, and receiving retirement benefits in the form of a pension. Mr. A, a 50-year-old office worker preparing for retirement, started investing in monthly dividend ETFs as part of his retirement planning. However, as his dividend income exceeded 20 million KRW per year, he received an unexpected tax bill. He became subject to comprehensive financial income taxation, which applies a tax rate of up to 49.5%, and had to bear additional health insurance premiums. To prevent such tax issues, experts strongly recommend actively utilizing ISAs and pension accounts. Dividend inc...