{"id":18524,"date":"2022-07-07T08:51:34","date_gmt":"2022-07-07T06:51:34","guid":{"rendered":"https:\/\/pareto.be\/?post_type=silo&p=18524"},"modified":"2025-08-19T09:38:03","modified_gmt":"2025-08-19T07:38:03","slug":"epargne-long-terme","status":"publish","type":"silo","link":"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/epargnes\/epargne-long-terme\/","title":{"rendered":"L\u2019\u00e9pargne \u00e0 long terme"},"content":{"rendered":"

Le montant de cette \u00e9pargne suppl\u00e9mentaire est calcul\u00e9 sur la base de vos revenus professionnels, avec un maximum de 2.350 \u20ac en 2022.<\/p>\n

Ces \u00e9conomies peuvent \u00eatre r\u00e9alis\u00e9es volontairement par tout le monde et il est m\u00eame possible de d\u00e9duire vos primes annuelles encore apr\u00e8s votre 65i\u00e8me<\/sup> anniversaire (contrairement \u00e0 l’\u00e9pargne-pension). Vous pourrez donc continuer cette \u00e9pargne m\u00eame apr\u00e8s votre retraite, tant que vous percevez un revenu imposable. Il est m\u00eame possible de souscrire un contrat jusqu’\u00e0 vos 100 ans si vous le souhaitez, du moment qu\u2019il est conclu avant l’\u00e2ge de 65 ans.<\/p>\n

L’avantage de ce contrat est qu’il peut \u00eatre consid\u00e9r\u00e9 comme une \u00e9pargne pour vous ou vos h\u00e9ritiers et qu\u2019il vous permet dans le m\u00eame temps de b\u00e9n\u00e9ficier d\u2019un avantage fiscal<\/strong> <\/a>moyen de 32,1 % (sans compter le rendement \u00e9lev\u00e9 de ce type de contrat).<\/p>\n

C’est le r\u00f4le de MySavings que de vous proposer les contrats qui correspondent au mieux \u00e0 votre profil d’investisseur. Votre prime maximale est ainsi contr\u00f4l\u00e9e en fonction de vos revenus et des options que vous souhaitez poser.<\/p>\n

Pr\u00e9parer sa retraite via le 3\u1d49 pilier est une \u00e9tape cl\u00e9, mais cela doit s\u2019inscrire dans une vision patrimoniale large. Apprenez comment maximiser vos actifs dans notre guide d\u00e9di\u00e9<\/a><\/strong> \u00e0 la gestion de patrimoine.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Le montant de cette \u00e9pargne suppl\u00e9mentaire est calcul\u00e9 sur la base de vos revenus professionnels, avec un maximum de 2.350 \u20ac en 2022. Ces \u00e9conomies peuvent \u00eatre r\u00e9alis\u00e9es volontairement par tout le monde et il est m\u00eame possible de d\u00e9duire vos primes annuelles encore apr\u00e8s votre 65i\u00e8me anniversaire (contrairement \u00e0 l’\u00e9pargne-pension). Vous pourrez donc continuer […]<\/p>\n","protected":false},"featured_media":18531,"parent":17710,"menu_order":0,"template":"","class_list":["post-18524","silo","type-silo","status-publish","has-post-thumbnail","hentry"],"acf":{"alternate_title":"L'\u00e9pargne \u00e0 long terme","introduction":"

L’\u00e9pargne \u00e0 long terme (ELT) vous permet, en plus des maximums de l\u2019\u00e9pargne-pension (soit 990 \u20ac\/an ou 1.270 \u20ac\/an) d\u2019avoir une autre possibilit\u00e9 vous permettant de mettre de c\u00f4t\u00e9 un capital pour votre retraite. Dans ce cas, l\u2019ELT peut \u00eatre une solution adapt\u00e9e \u00e0 votre \u00e9pargne car, en plus de permettre la constitution d\u2019un capital int\u00e9ressant, elle peut b\u00e9n\u00e9ficier d’une r\u00e9duction d’imp\u00f4t suppl\u00e9mentaire via la r\u00e9cup\u00e9ration d\u2019en moyenne 32,1 % de la prime vers\u00e9e en termes d’imp\u00f4t sur le revenu des personnes physiques.<\/p>\n","silo_children":""},"yoast_head":"\n\u00c9pargne \u00e0 long terme : le 3\u00e8me pilier de votre \u00e9conomie - Pareto<\/title>\n<meta name=\"description\" content=\"L'\u00e9pargne \u00e0 long terme s\u2019av\u00e8re \u00eatre un pilier de taille car il vous permet de faire des maximums d\u2019\u00e9pargnes. 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