What PIR (Prescribed Investor Rate) is applied to joint accounts?

What PIR (Prescribed Investor Rate) is applied to joint accounts?

For joint Investment Fund accounts where the account holders have different PIRs (Prescribed Investor Rates) tax is applied at the higher of the two rates.
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    • What's my Prescribed Investor Rate (PIR)?

      Your Prescribed Investor Rate (PIR) is the rate of tax you pay on the income generated from your investment. The best place to work out your PIR rate is on the IRD's PIR calculator here. It's your responsibility to update your PIR rate if it changes. ...
    • How do joint accounts work?

      You can set up a joint Investment Fund by completing our application form here. If each investor has a different PIR rate, the higher of the two rates will apply. Withdrawals can be requested by either account holder.
    • How am I taxed?

      Simplicity investment funds are structured as PIEs. PIE stands for Portfolio Investment Entity. A PIE invests the contributions from its investors in different types of investment. The tax rate for your investment earnings from a PIE is referred to ...
    • How do I set up an Investment Fund?

      Applying for an Investment Fund account only takes a few minutes online here. You'll need to provide your IRD number and photo ID like a passport and driver's licence. Once we've completed our verification checks, we'll send you information about how ...
    • How do I make a deposit?

      For instructions, including Simplicity's bank details, please log on to the member app and click the Deposit button on your Accounts page.

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