GgoogleJP first seen 2 d ago, last 2 d ago, peak #2

Retirees warn of tax trap when lump-sum payouts coincide

Original: 退職

A Japanese tax explainer from Chiba Television Broadcasting is drawing attention to a costly retirement mistake: taking a 20 million yen retirement allowance and 5 million yen from iDeCo as lump sums in the same year. Combining the two can push income past the retirement income deduction, sending taxes soaring by more than 1 million yen even for someone on a 150,000 yen monthly pension. Experts suggest staggering the timing of withdrawals.

Why now: Many Japanese workers approaching retirement are searching for ways to legally minimise taxes on lump-sum payouts.

Chiba Television BroadcastingiDeCo

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Evidence

• 「退職金2000万円＋iDeCo500万円」を同年に“一時金受取”して後悔…「年金15万円」なのに、税金が“100万円以上”も急増!? 受取時期はズラすべき？「退職所得控除オーバー」の罠 · 千葉テレビ放送株式会社

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