Deposit vs bonds vs index

after-tax comparison: what's actually left after N years

Parameters

Amount, UAH

Years

Deposit %

Bonds %

Index %

5% military levy on bond coupons (from 2025)

After 5 yrs

🥇 Gov bonds 17%→16,20%634 187,00 ₴

coupon PIT-free, 5% levy · gain +334 187,00 ₴

Deposit 15%→11,50%518 166,00 ₴

taxed yearly on interest · gain +218 166,00 ₴

Index/stocks 12%→12,00%476 101,00 ₴

23% on gain at sale · gain +176 101,00 ₴

YrDepositBondsIndex

1334 650,00348 450,00327 720,00

2373 302,00404 725,00358 766,00

3416 418,00470 088,00393 538,00

4464 515,00546 007,00432 483,00

5518 166,00634 187,00476 101,00

Why UAH bonds win: coupons are PIT-free (a deposit loses 23% yearly — tax drag). The index is taxed once at exit — tax deferral compounds over long horizons. Risks: bonds carry reinvestment risk, the index carries market risk (smoothed here by a flat rate).

Over Deposito vs obligaties vs index

Deposito vs obligaties vs index — vergelijking na belasting over N jaar. Financiën: Persoonlijk financieel beheer. Gebruik onze tools zonder registratie of software-installatie. Alle berekeningen gebeuren in uw browser — uw gegevens worden nooit naar een server gestuurd.