{"id":23786,"date":"2022-11-16T09:56:14","date_gmt":"2022-11-16T08:56:14","guid":{"rendered":"https:\/\/pareto.be\/?post_type=silo&#038;p=23786"},"modified":"2025-08-19T09:38:45","modified_gmt":"2025-08-19T07:38:45","slug":"avantage-fiscal","status":"publish","type":"silo","link":"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/epargnes\/epargne-long-terme\/avantage-fiscal\/","title":{"rendered":"L\u2019avantage fiscal"},"content":{"rendered":"<p class=\"p1\"><span class=\"s1\">Une fa\u00e7on int\u00e9ressante d&rsquo;\u00e9conomiser au niveau de ses imp\u00f4ts chaque ann\u00e9e est d&rsquo;utiliser le r\u00e9gime d&rsquo;\u00e9pargne \u00e0 long terme. Ce r\u00e9gime a \u00e9t\u00e9 cr\u00e9\u00e9 pour encourager les citoyens \u00e0 se constituer une retraite compl\u00e9mentaire dans le \u00ab\u00a0troisi\u00e8me pilier\u00a0\u00bb. C&rsquo;est un peu le \u00ab\u00a0grand fr\u00e8re\u00a0\u00bb de l&rsquo;\u00e9pargne-pension.<\/span><\/p>\n<h2 class=\"p1 medium-title\"><span class=\"s1\">Que peut-on exactement investir dans le cadre d\u2019une \u00e9pargne \u00e0 long terme ? <\/span><\/h2>\n<p class=\"p1\"><span class=\"s1\">Il existe un plafond absolu en termes de montants \u00e0 investir et qui est, pour l\u2019ann\u00e9e de revenus 2022, de 2.350 euros, et une indexation est pr\u00e9vue chaque ann\u00e9e. Toutefois, il a \u00e9t\u00e9 d\u00e9cid\u00e9 de geler cette indexation jusqu&rsquo;en 2024 en raison des mesures Corona. Ce plafond n&rsquo;est atteint que par les personnes dont le revenu annuel net imposable (= revenu annuel brut moins les frais professionnels et cotisations sociales) est sup\u00e9rieur \u00e0 37.472 euros. Si votre revenu est inf\u00e9rieur, la prime est ajust\u00e9e en proportion (\u00e0 la baisse).<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">Sur le montant vers\u00e9, vous b\u00e9n\u00e9ficiez d&rsquo;une r\u00e9duction d&rsquo;imp\u00f4t de 30 %. Cela signifie donc que vous \u00e9conomiserez 705 \u20ac d&rsquo;imp\u00f4ts si vous d\u00e9posez un montant de 2.350 \u20ac en 2022.<\/span><\/p>\n<h2 class=\"medium-title\">R\u00e9duction d&rsquo;imp\u00f4t : deux options<\/h2>\n<p class=\"p1\"><span class=\"s1\">Vous avez deux possibilit\u00e9s pour b\u00e9n\u00e9ficier de la r\u00e9duction d&rsquo;imp\u00f4t : (1) via les versements dans un contrat d&rsquo;assurance-vie ou (2) via les remboursements en capital d&rsquo;un cr\u00e9dit pour un logement non-occup\u00e9.<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">Vous pouvez donc souscrire une assurance-vie \u00e0 laquelle vous versez des primes annuelles pour compl\u00e9ter votre pension l\u00e9gale. Les cr\u00e9dits pour une deuxi\u00e8me (ou troisi\u00e8me) r\u00e9sidence vous permettent \u00e9galement de b\u00e9n\u00e9ficier d&rsquo;un all\u00e9gement fiscal gr\u00e2ce aux remboursements de capital effectu\u00e9s. Notez toutefois que cet avantage dispara\u00eet pour les cr\u00e9dits souscrits apr\u00e8s le 31\/12\/2023 en raison de l&rsquo;accord budg\u00e9taire du gouvernement f\u00e9d\u00e9ral.<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">Comme cette \u00e9conomie d\u2019imp\u00f4t peut vous \u00eatre octroy\u00e9e pendant plusieurs ann\u00e9es, le gouvernement veut naturellement aussi sa part du g\u00e2teau : une taxe de 2 % est due sur chaque prime vers\u00e9e. En outre, le capital accumul\u00e9 est tax\u00e9 \u00e0 10 % \u00e0 votre 60<\/span><span class=\"s2\"><sup>i\u00e8me<\/sup><\/span><span class=\"s1\"> anniversaire si le contrat a \u00e9t\u00e9 souscrit avant votre 55<\/span><span class=\"s2\"><sup>i\u00e8me<\/sup><\/span><span class=\"s1\"> anniversaire ou, dans le cas contraire, au moment du dixi\u00e8me anniversaire du contrat.<\/span><\/p>\n<h2 class=\"medium-title\">\u00c9pargne long terme : avantage<\/h2>\n<p class=\"p1\"><span class=\"s1\">Le grand avantage de l&rsquo;\u00e9pargne \u00e0 long terme est que vous pouvez continuer \u00e0 b\u00e9n\u00e9ficier de l&rsquo;all\u00e9gement fiscal apr\u00e8s 65 ans, contrairement \u00e0 toutes les autres formes de pension compl\u00e9mentaire. Vous pouvez donc continuer \u00e0 verser des primes dans une police d&rsquo;assurance-vie m\u00eame apr\u00e8s votre retraite, \u00e0 condition qu&rsquo;elle ait \u00e9t\u00e9 souscrite avant l&rsquo;\u00e2ge de 65 ans. Si ce n&rsquo;est pas le cas, vous ne pouvez plus souscrire \u00e0 un nouveau contrat.<\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">Nous vous conseillons de pr\u00eater une attention particuli\u00e8re \u00e0 tous les co\u00fbts associ\u00e9s \u00e0 ces contrats. Si vous avez d&rsquo;autres questions, nous sommes \u00e0 votre disposition.<\/span><\/p>\n<p data-start=\"218\" data-end=\"319\">Envie d\u2019une strat\u00e9gie patrimoniale compl\u00e8te ? D\u00e9couvrez <a href=\"https:\/\/pareto.be\/fr\/tout-savoir\/pension\/epargnes\/epargne-long-terme\/\"><strong>notre guide<\/strong> <\/a>sur la gestion de patrimoine.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Une fa\u00e7on int\u00e9ressante d&rsquo;\u00e9conomiser au niveau de ses imp\u00f4ts chaque ann\u00e9e est d&rsquo;utiliser le r\u00e9gime d&rsquo;\u00e9pargne \u00e0 long terme. Ce r\u00e9gime a \u00e9t\u00e9 cr\u00e9\u00e9 pour encourager les citoyens \u00e0 se constituer une retraite compl\u00e9mentaire dans le \u00ab\u00a0troisi\u00e8me pilier\u00a0\u00bb. C&rsquo;est un peu le \u00ab\u00a0grand fr\u00e8re\u00a0\u00bb de l&rsquo;\u00e9pargne-pension. Que peut-on exactement investir dans le cadre d\u2019une \u00e9pargne [&hellip;]<\/p>\n","protected":false},"featured_media":23787,"parent":18524,"menu_order":0,"template":"","class_list":["post-23786","silo","type-silo","status-publish","has-post-thumbnail","hentry"],"acf":{"alternate_title":"\u00c9conomiser au niveau des imp\u00f4ts et se constituer un capital de retraite suppl\u00e9mentaire","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 long terme avec r\u00e9duction d&#039;imp\u00f4t : tour d&#039;horizon<\/title>\n<meta name=\"description\" content=\"Une fa\u00e7on int\u00e9ressante d&#039;\u00e9conomiser au niveau de ses imp\u00f4ts chaque ann\u00e9e est d&#039;utiliser le r\u00e9gime d&#039;\u00e9pargne \u00e0 long terme.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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