{"id":23158,"date":"2022-10-26T11:28:36","date_gmt":"2022-10-26T09:28:36","guid":{"rendered":"https:\/\/pareto.be\/?post_type=silo&p=23158"},"modified":"2025-05-05T14:29:26","modified_gmt":"2025-05-05T12:29:26","slug":"assurance-vie","status":"publish","type":"silo","link":"https:\/\/pareto.be\/fr\/tout-savoir\/gestion-de-patrimoine\/placements-mobiliers\/assurance-branche-23\/assurance-vie\/","title":{"rendered":"L\u2019assurance vie"},"content":{"rendered":"

1. Gestion de patrimoine<\/h2>\n

G\u00e9rer son patrimoine revient \u00e0 constituer, d\u00e9velopper et transmettre ce que l\u2019on poss\u00e8de. Une saine gestion permet d\u2019anticiper les \u00e9tapes de sa vie, selon sa situation, ses besoins et contraintes.\u00a0<\/span><\/p>\n

Chacun poss\u00e8de un patrimoine propre, lequel peut \u00eatre immobilier et mobilier. Pour de multiples raisons, il peut s\u2019av\u00e9rer utile de dresser un bilan patrimonial pour s\u2019assurer d\u2019une diversification r\u00e9elle entre les possibilit\u00e9s d\u2019investissement.\u00a0<\/span><\/p>\n

Sur le plan immobilier, on peut acheter une maison d\u2019habitation, un immeuble de rapport ou une surface commerciale. Sur le plan mobilier, on peut placer son \u00e9pargne sur un compte bancaire, l\u2019investir dans des pi\u00e8ces d\u2019or ou sur un compte-titres. On peut aussi choisir d\u2019acheter des \u0153uvres d\u2019art, des voitures anciennes ou des bouteilles de grands crus\u00a0!\u00a0<\/span><\/p>\n

Les alternatives sont presque infinies et chacune conna\u00eet ses avantages et inconv\u00e9nients. Il faut prendre en consid\u00e9ration de multiples crit\u00e8res\u00a0: fiscalit\u00e9 et frais, modalit\u00e9s de gestion et de transmission, tracas administratifs, risque et rendement, \u2026<\/p>\n

2. Placement mobilier et assurance-vie<\/h2>\n

Pour s\u2019en tenir au placement mobilier, certains optent pour un investissement au travers d\u2019une assurance-vie. Il s\u2019agit d\u2019un contrat d\u2019assurance dont le b\u00e9n\u00e9fice est lib\u00e9r\u00e9 au plus tard au d\u00e9c\u00e8s de l\u2019assur\u00e9. La prime vers\u00e9e peut \u00eatre investie dans les classes d\u2019actifs traditionnels\u00a0: actions, obligations, fonds d\u2019investissement, liquidit\u00e9s, m\u00e9taux pr\u00e9cieux, \u2026<\/p>\n

Ce type de placement ressemble \u00e0 s\u2019y m\u00e9prendre \u00e0 un compte-titres\u00a0! Les deux solutions restent cependant tr\u00e8s diff\u00e9rentes \u00e0 plusieurs \u00e9gards\u00a0: l\u2019assurance-vie profite d\u2019une fiscalit\u00e9 plus attractive et peut s\u2019av\u00e9rer \u00eatre un outil efficace et flexible sur le plan successoral.<\/p>\n

3. Branche 21 ou 23 ?<\/h2>\n

Quand on s\u00e9lectionne l\u2019assurance-vie, il faut encore choisir son \u00e9chelle de risque. Il existe principalement deux possibilit\u00e9s\u00a0:\u00a0<\/span><\/p>\n

    \n
  1. La \u00ab branche 21 \u00bb est un placement \u00e0 rendement garanti, qui s\u2019apparente \u00e0 un produit d\u2019\u00e9pargne, quoique moins liquide. Il s\u2019adresse \u00e0 l\u2019investisseur ayant un profil d\u00e9fensif ;<\/li>\n
  2. La \u00ab branche 23 \u00bb est un placement o\u00f9 le rendement n\u2019est pas garanti et \u00e9volue selon les fluctuations des march\u00e9s financiers. Sur le moyen \u00e0 long terme, le rendement sera en principe meilleur, malgr\u00e9 un risque plus \u00e9lev\u00e9. La strat\u00e9gie est d\u00e9termin\u00e9e selon le profil de l\u2019investisseur, qui peut \u00eatre d\u00e9fensif, \u00e9quilibr\u00e9 ou dynamique. Cette strat\u00e9gie peut \u00e9voluer dans le temps et selon les attentes de l\u2019investisseur.<\/li>\n<\/ol>\n
    <\/div>\n
    Entre rendement potentiel et absence de garantie en capital, l\u2019assurance branche 23 m\u00e9rite d\u2019\u00eatre bien comprise, retrouvez notre analyse compl\u00e8te ici<\/a>.<\/strong><\/div>\n","protected":false},"excerpt":{"rendered":"

    1. Gestion de patrimoine G\u00e9rer son patrimoine revient \u00e0 constituer, d\u00e9velopper et transmettre ce que l\u2019on poss\u00e8de. Une saine gestion permet d\u2019anticiper les \u00e9tapes de sa vie, selon sa situation, ses besoins et contraintes.\u00a0 Chacun poss\u00e8de un patrimoine propre, lequel peut \u00eatre immobilier et mobilier. Pour de multiples raisons, il peut s\u2019av\u00e9rer utile de dresser […]<\/p>\n","protected":false},"featured_media":23163,"parent":16967,"menu_order":0,"template":"","class_list":["post-23158","silo","type-silo","status-publish","has-post-thumbnail","hentry"],"acf":{"alternate_title":"L'assurance vie","silo_children":"","introduction":"

     <\/p>\n

    <\/div>\n
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