国债利息恢复征税，但99%的国人无需多交钱！真相是什么？

Core Viewpoint - The recent tax policy change regarding the taxation of interest income from government bonds may impact investment returns, particularly for institutional investors, while individual investors are largely unaffected due to existing exemptions [1][9]. Tax Policy Impact - A new tax policy effective from August 8 reinstates value-added tax (VAT) on interest income from newly issued government bonds, local bonds, and financial bonds, which had previously been exempt [1][3]. - The VAT rates are set at 6% for self-operated bank investments and 3% for asset management institutions [3]. Individual Investor Considerations - Individual investors are exempt from VAT on bond interest income as long as their monthly interest does not exceed 100,000 yuan, which is unlikely for most households given the current bond interest rates [5]. - Government bonds enjoy a unique advantage in personal income tax, as their interest income is exempt from personal income tax, unlike other investment vehicles such as stocks and corporate bonds [7]. Investment Appeal - In the context of declining bank interest rates and increased market volatility, government bonds remain an attractive option for individual investors due to their safety, liquidity, and tax benefits [10]. - The dual tax exemption on government bond interest enhances their competitiveness in personal financial planning, making them a stable choice for risk-averse investors [9][10].