{"id":17710,"date":"2022-06-08T14:04:33","date_gmt":"2022-06-08T12:04:33","guid":{"rendered":"https:\/\/pareto.be\/?post_type=silo&#038;p=17710"},"modified":"2025-09-24T10:24:54","modified_gmt":"2025-09-24T08:24:54","slug":"epargnes","status":"publish","type":"silo","link":"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/epargnes\/","title":{"rendered":"Les \u00e9pargnes : 3\u00e8me pilier"},"content":{"rendered":"<h2 class=\"medium-title\">Banque ou compagnie d&rsquo;assurance ?<\/h2>\n<p>En Belgique, investir dans une <a href=\"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/epargnes\/epargne-pension\/\"><strong>\u00e9pargne-pension<\/strong> <\/a>peut se faire via un produit bancaire ou d&rsquo;assurance. L&rsquo;\u00e9pargne-pension via la banque est appel\u00e9e fonds d&rsquo;\u00e9pargne-pension. Si vous optez pour une compagnie d&rsquo;assurance, il s\u2019agira assurance \u00e9pargne-pension.<\/p>\n<p>En ce qui concerne <strong>l<a href=\"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/epargnes\/epargne-long-terme\/\"><strong>\u2019\u00e9<\/strong>pargne \u00e0 long terme<\/a><\/strong>, vous ne pouvez en constituer que par le biais d&rsquo;une assurance-vie fiscale, donc uniquement par l&rsquo;interm\u00e9diaire d&rsquo;une compagnie d&rsquo;assurance.<\/p>\n<h2 class=\"medium-title\">Dur\u00e9e :<\/h2>\n<p>Les deux formules visent une date d&rsquo;\u00e9ch\u00e9ance aux 65 ans du preneur. Cependant, en ce qui concerne l\u2019\u00e9pargne \u00e0 long terme, celle-ci peut se poursuivre apr\u00e8s la retraite tout en continuant d\u2019offrir des avantages fiscaux. Outre l&rsquo;avantage fiscal, c&rsquo;est aussi et surtout l&rsquo;effet de capitalisation qui d\u00e9terminera le rendement de votre \u00e9pargne. Plus la dur\u00e9e est longue, plus l&rsquo;effet des int\u00e9r\u00eats sur les int\u00e9r\u00eats peut jouer en votre faveur. En ce sens, il est dans votre int\u00e9r\u00eat de commencer le plus t\u00f4t possible.<\/p>\n<h2 class=\"medium-title\">Avantages :<\/h2>\n<ul>\n<li>Vous \u00e9conomisez pour plus tard ;<\/li>\n<li>Vous payez moins d&rsquo;imp\u00f4ts ;<\/li>\n<li>Vous obtenez un retour sur investissement ;<\/li>\n<li>Vous pouvez combiner certaines \u00e9pargnes avec l&rsquo;achat d&rsquo;un bien immobilier ;<\/li>\n<li>Vous pouvez ajouter des garanties suppl\u00e9mentaires en cas d&rsquo;invalidit\u00e9 ou de d\u00e9c\u00e8s \u00e0 votre contrat afin de vous prot\u00e9ger davantage, ainsi que vos proches ;<\/li>\n<li>Vous pouvez opter pour une garantie du capital ou des formules qui misent sur les march\u00e9s boursiers.<\/li>\n<\/ul>\n<h2 class=\"medium-title\">Inconv\u00e9nients :<\/h2>\n<ul>\n<li>Si vous retirez de l&rsquo;argent avant la date d&rsquo;\u00e9ch\u00e9ance, vous payez des taxes suppl\u00e9mentaires et \u00e9ventuellement des frais de sortie ;<\/li>\n<li>Vous ne pouvez pas utiliser l&rsquo;argent pour profiter de la vie maintenant ;<\/li>\n<li>Les formalit\u00e9s administratives ;<\/li>\n<li>Le lien avec un pr\u00eat hypoth\u00e9caire est souvent complexe.<\/li>\n<\/ul>\n<p>Contactez-nous pour discuter ensemble de la formule qui vous convient le mieux. Nous examinons votre profil d&rsquo;investisseur, vos attentes et vos souhaits, votre d\u00e9claration fiscale, nous recherchons les possibles combinaisons avec des investissements immobiliers, les rendements potentiels, nous comparons les produits, nous trouvons les meilleures conditions, &#8230; De nombreuses raisons de s&rsquo;asseoir autour d&rsquo;une table et d\u2019avoir une discussion avec de professionnels, qui plus est, sans aucune obligation.<\/p>\n<p data-start=\"267\" data-end=\"424\">La pension n\u2019est qu\u2019un \u00e9l\u00e9ment de votre avenir financier. Pour une vision compl\u00e8te et structur\u00e9e, d\u00e9couvrez <a href=\"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/\"><strong>notre article<\/strong><\/a> sur la gestion de patrimoine.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Banque ou compagnie d&rsquo;assurance ? En Belgique, investir dans une \u00e9pargne-pension peut se faire via un produit bancaire ou d&rsquo;assurance. L&rsquo;\u00e9pargne-pension via la banque est appel\u00e9e fonds d&rsquo;\u00e9pargne-pension. Si vous optez pour une compagnie d&rsquo;assurance, il s\u2019agira assurance \u00e9pargne-pension. En ce qui concerne l\u2019\u00e9pargne \u00e0 long terme, vous ne pouvez en constituer que par le [&hellip;]<\/p>\n","protected":false},"featured_media":17711,"parent":4521,"menu_order":0,"template":"","class_list":["post-17710","silo","type-silo","status-publish","has-post-thumbnail","hentry"],"acf":{"alternate_title":"Les \u00e9pargnes : 3\u00e8me pilier","introduction":"<p><span data-sheets-root=\"1\">En Belgique, le troisi\u00e8me pilier de pension regroupe l\u2019\u00e9pargne-pension et l\u2019\u00e9pargne \u00e0 long terme. Ces formules individuelles offrent des avantages fiscaux pouvant atteindre 30 % si les conditions sont respect\u00e9es. Plus vous commencez t\u00f4t, plus votre retraite sera confortable.<\/span><\/p>\n","silo_children":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00c9pargne li\u00e9e \u00e0 la pension | Pareto, Family Office<\/title>\n<meta name=\"description\" content=\"Plus vous commencez t\u00f4t \u00e0 \u00e9pargner pour la retraite, plus elle sera confortable. 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