{"id":175793,"date":"2020-09-09T18:29:00","date_gmt":"2020-09-09T22:29:00","guid":{"rendered":"https:\/\/ibkrcampus.com\/trading-lessons\/taxation-of-interest\/"},"modified":"2023-04-25T21:01:46","modified_gmt":"2023-04-26T01:01:46","slug":"taxation-of-interest","status":"publish","type":"trading-lessons","link":"https:\/\/www.interactivebrokers.com\/campus\/trading-lessons\/taxation-of-interest\/","title":{"rendered":"Taxation of Interest"},"content":{"rendered":"<h3>Savings interest<\/h3>\n<p>We are all familiar with the traditional savings account. Generally, these accounts bear minimal interest<br \/>\nand traditionally form the foundation of any nest egg.<\/p>\n<ul>\n<li>Interest on these accounts is taxable annually.<\/li>\n<li>If held or owned by a minor, the income from their savings accounts, subject to certain<br \/>\nlimitations, is included on their parent&#8217;s tax return.<\/li>\n<li>As of 2018, there is no longer a &#8220;kiddie&#8221; tax; rather, children&#8217;s unearned income is taxed at the<br \/>\ntax rates for trusts and estates.<\/li>\n<li>These rates are higher than individual income tax rates.<\/li>\n<\/ul>\n<h4>Certificates of Deposit<\/h4>\n<ul>\n<li>Certificates of Deposit (CDs) are issued by banks for a set period from 3 months to 2 years.<\/li>\n<li>In general, they bear higher interest than savings accounts.<\/li>\n<li>However, there is a trade-off that they cannot be accessed without penalty before the end of<br \/>\nthe term.<\/li>\n<li>Interest on CD&#8217;s is taxable as ordinary income when paid &#8211; which is at the end of the term of<br \/>\ntheir certificate.<\/li>\n<\/ul>\n<h4>Commercial paper<\/h4>\n<ul>\n<li>Commercial paper is similar to a CD, however it is most often issued by businesses to cover their<br \/>\nshort-term cash needs.<\/li>\n<li>Generally, commercial paper is short-term, as short as overnight, and usually does not exceed 9<br \/>\nmonths.<\/li>\n<li>Sold at a discount in large denominations, there can be an active marketplace for these<br \/>\ninstruments.<\/li>\n<li>The interest is taxed as ordinary income at the maturity of the instrument.<\/li>\n<\/ul>\n<h4>US Treasury Bills<\/h4>\n<ul>\n<li>US Treasury Bills are issued at a discount determined by the marketplace, which reflects current<br \/>\ninterest rates when sold (auctioned) by the government.<\/li>\n<li>The longest duration of US Treasury Bills is one year.<\/li>\n<li>US Treasury Bills pay interest at Maturity and no gain or loss is claimed on the difference<br \/>\nbetween the issuance price (discounted price) and the face value (redemption price); rather,<br \/>\ngains are derived from interest income.<\/li>\n<li>Interest is claimed for tax purposes at the maturity of the Bill and is taxed as ordinary income.<\/li>\n<\/ul>\n<h4>US Treasury notes<\/h4>\n<ul>\n<li>US Treasury notes are obligations of the federal government used to finance the shorter-term<br \/>\ncash needs of the government.<\/li>\n<li>Notes are issued in 2,3,5,7, and 10-year durations and there is an active secondary market for<br \/>\nUS Treasury notes.<\/li>\n<li>Treasury notes are issued at auction where the rate is set based upon demand.<\/li>\n<li>Interest is paid every six months on these securities and is taxed as ordinary income for Federal<br \/>\npurposes.<\/li>\n<li>However, US Treasury interest is not subject to state tax in any state.<\/li>\n<\/ul>\n<h4>US Treasury Bonds<\/h4>\n<ul>\n<li>US Treasury Bonds are essentially the same as US Treasury Notes except that they are longer in<br \/>\nduration, running for 10-30 years and, on rare occasions, 40 years.<\/li>\n<li>Treasury bonds pay interest every six months.<\/li>\n<li>Interest is taxable as ordinary income when received.<\/li>\n<li>Again, Treasury bonds are subject only to Federal tax. They are not subject to state tax.<\/li>\n<li>US Treasury securities generally yield lower interest than their corporate counterparts.<\/li>\n<li>This is for two primary reasons \u2013<br \/>\n1) the lower risk involved in holding an obligation of the US government and<br \/>\n2) The income earned is not subject to state income taxes.<\/li>\n<\/ul>\n<h4>Municipal Bonds<\/h4>\n<ul>\n<li>Municipal bonds &#8211; bonds issued by state and local governments and certain governmental<br \/>\nauthorities.<\/li>\n<li>These bonds vary in term. Generally, they are similar to US Treasury obligations as they are<br \/>\nissued by the state, local or agency requiring the funds, however, there is a wider variance in<br \/>\nyield as the credit quality of the state, locality or agency determines the risk.<\/li>\n<li>Municipal bonds are Federally tax exempt and bonds issued by your state of residence, or a<br \/>\nlocality or agency within the state, are also state tax exempt.<\/li>\n<li>If you hold bonds from &#8220;out of state&#8221; then interest paid on those bonds is subject to state tax in<br \/>\nyour residence state.<\/li>\n<\/ul>\n<h4>Alternative Minimum Tax (AMT)<\/h4>\n<ul>\n<li>Certain Municipal Bonds &#8211; those issued to finance a private activity &#8211; yield income that, for<br \/>\nAlternative Minimum Tax (AMT) purposes, are subject to Federal tax.<\/li>\n<li>These are bonds that are issued for items that are beyond the scope of government, such as<br \/>\npublic housing.<\/li>\n<li>If, as a taxpayer, you are subject to the AMT these types of bonds may not return as much as<br \/>\npossible for you.<\/li>\n<li>However, the bonds have a greater yield because of the increased risk.<\/li>\n<\/ul>\n<h4>What is Bond Premium and Discount?<\/h4>\n<ul>\n<li>Bonds are often issued at a premium or discount to their face value. Additionally, market<br \/>\nfluctuations can create bond premiums or discounts.<\/li>\n<li>Bond premiums occur when a bond is issued or purchased for a value greater than face value<br \/>\n(effectively lowering the yield). Bond discount is the opposite.<\/li>\n<li>Bond discounts occur when a bond is sold for less than face value (effectively raising the yield).<\/li>\n<\/ul>\n<h4>Amortization &amp; Tax Exempt Securities<\/h4>\n<ul>\n<li>Taxpayers may choose to amortize the premium (that is, spread the premium over the life of the<br \/>\nbond). This does not reduce current income for tax purposes but reduces the cost basis of the<br \/>\nbond.<\/li>\n<li>Bond discounts can also be amortized over the life of the bond, thereby reducing annual capital<br \/>\ngain.<\/li>\n<li>The amortization of discount does not change current income, it again adjusts the tax basis of<br \/>\nthe bond.<\/li>\n<li>This does not necessarily mean that there is no gain or loss on the sale of a bond. The<br \/>\namortization of the interest premium or discount would eliminate any gain or loss upon<br \/>\nmaturity. However, if a bond was sold in the marketplace before maturity there may be a gain<br \/>\nor loss.<\/li>\n<li>A change in the rating of the bond issuer may cause a market fluctuation separate from interest<br \/>\npremium\/discount.<\/li>\n<li>The tax rules surrounding amortization of premium and discount are more complex for tax<br \/>\nexempt securities such as municipal bonds, however, careful research of the tax rules should be<br \/>\ndone in this area.<\/li>\n<\/ul>\n<h4>Original Issue Discount (OID)<\/h4>\n<ul>\n<li>Original Issue Discount, or OID, takes many forms, however, the simplest is the zero-coupon<br \/>\nbond.<\/li>\n<li>These bonds do not pay interest but accrue interest &#8211; similar to amortization &#8211; over the life of<br \/>\nthe instrument.<\/li>\n<li>Interest is recognized for tax purposes as ordinary income- as it is earned, not when it is paid.<\/li>\n<li>The cost value of the instrument is increased each year to recognize this interest. For example,<br \/>\nif a $100,000 face bond is sold at a discount to yield $1,000 interest, or 10% over its life, then<br \/>\nthe initial purchase of the bond would be $90,000. Each year $1,000 of interest would be taxed<br \/>\nand that value would be added to the cost of the bond.<\/li>\n<li>Some convertible preferred stocks, which are truly stocks in ownership structures but act as<br \/>\nbonds, also carry OID.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>The main topics of this lesson are: Savings Interest; Certificates of Deposit; Commercial Paper; US Treasury Bills, Notes &#038; Bonds; Municipal Bonds; Alternative Minimum Tax (AMT); and Original Issue Discount (OID). For this lesson refer to the Study Notes and watch the video for a synopsis.<\/p>\n","protected":false},"author":851,"featured_media":221457,"parent":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"contributors-categories":[13576],"traders-academy":[13125,13128,13132],"class_list":{"0":"post-175793","1":"trading-lessons","2":"type-trading-lessons","3":"status-publish","4":"has-post-thumbnail","6":"contributors-categories-interactive-brokers","7":"traders-academy-beginner-trading","8":"traders-academy-level","9":"traders-academy-trading-lesson"},"pp_statuses_selecting_workflow":false,"pp_workflow_action":"current","pp_status_selection":"publish","acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Archives | Traders&#039; Academy | IBKR Campus<\/title>\n<meta name=\"description\" content=\"The main topics of this lesson are: Savings Interest; 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