{"id":1033,"date":"2021-02-24T22:40:13","date_gmt":"2021-02-24T21:40:13","guid":{"rendered":"https:\/\/mysavings.mindsetting.be\/nos-produits\/augmentation-de-lepargne-a-long-terme-apres-55-ans\/"},"modified":"2021-03-23T09:25:07","modified_gmt":"2021-03-23T08:25:07","slug":"augmentation-de-lepargne-a-long-terme-apres-55-ans","status":"publish","type":"product","link":"https:\/\/mysavings.mindsetting.be\/fr\/nos-produits\/pension\/epargne-a-long-terme\/Information\/augmentation-de-lepargne-a-long-terme-apres-55-ans\/","title":{"rendered":"Augmentation de l\u2019\u00e9pargne \u00e0 long terme apr\u00e8s 55 ans"},"content":{"rendered":"

Quand vous souscrivez un nouveau contrat \u00e9pargne \u00e0 long terme ou que vous proc\u00e9dez \u00e0 une augmentation de la prime apr\u00e8s 55 ans, le contrat doit courir \u00e0 nouveau 10 ans. La simple indexation qui vous permet d\u2019obtenir le maximum fiscal n\u2019est pas consid\u00e9r\u00e9e comme une \u00ab\u00a0augmentation\u00a0\u00bb et par cons\u00e9quent, le contrat ne doit pas \u00eatre adapt\u00e9.<\/p>\n

Une assurance-vie fiscale peut \u00eatre conclue ou augment\u00e9e jusqu\u2019\u00e0 l\u2019\u00e2ge de 65 ans. Contrairement au syst\u00e8me de l\u2019\u00e9pargne pension, ce contrat vous permet de continuer \u00e0 d\u00e9duire la prime vers\u00e9e apr\u00e8s votre d\u00e9part \u00e0 la retraite et ce, aussi longtemps que vous percevez des revenus imposables. Cette prime ne peut plus \u00eatre adapt\u00e9e apr\u00e8s 65 ans.
\n<\/strong>
\nIl est donc encore int\u00e9ressant de d\u00e9buter une telle \u00e9pargne \u00e0 long terme, juste avant vos 65 ans, \u00e0 la condition que vous n\u2019ayez pas besoin de l\u2019argent qui y sera consacr\u00e9 afin de pr\u00e9server votre train de vie actuel.\u00a0 Ainsi, vous continuerez \u00e0 b\u00e9n\u00e9ficier des avantages fiscaux li\u00e9s \u00e0 ce m\u00e9canisme, et la taxation finale d\u2019un tel contrat sera due dix ans apr\u00e8s la date de ce dernier (pour un nouveau contrat conclu ou augment\u00e9 apr\u00e8s 55 ans).<\/p>\n

Concr\u00e8tement : vous pouvez conclure un contrat jusqu\u2019\u00e0 vos 75, 90 voire m\u00eame vos 120 ans et profiter annuellement de la d\u00e9duction fiscale.<\/p>\n

Vous pouvez consid\u00e9rer ce contrat comme une \u00e9pargne qui vous est d\u00e9di\u00e9e ou qui est d\u00e9di\u00e9e \u00e0 vos h\u00e9ritiers et vous profitez annuellement d\u2019un avantage fiscal correspondant \u00e0 la d\u00e9duction fiscale d\u2019environ 1\/3 des primes que vous y versez.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Quand vous souscrivez un nouveau contrat \u00e9pargne \u00e0 long terme ou que vous proc\u00e9dez \u00e0 une augmentation de la prime apr\u00e8s 55 ans, le contrat doit courir \u00e0 nouveau 10 ans. La simple indexation qui vous permet d\u2019obtenir le maximum fiscal n\u2019est pas consid\u00e9r\u00e9e comme une \u00ab\u00a0augmentation\u00a0\u00bb et par cons\u00e9quent, le contrat ne doit pas […]<\/p>\n","protected":false},"featured_media":0,"parent":674,"menu_order":0,"template":"","class_list":["post-1033","product","type-product","status-publish","hentry"],"acf":[],"yoast_head":"\nAugmentation de l'\u00e9pargne \u00e0 long terme apr\u00e8s 55 ans | MySavings<\/title>\n<meta name=\"description\" content=\"Les experts MySavings vous guident parmis les diff\u00e9rentes formules afin de trouver la solution qui vous convient le mieux.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mysavings.mindsetting.be\/fr\/nos-produits\/pension\/epargne-a-long-terme\/Information\/augmentation-de-lepargne-a-long-terme-apres-55-ans\/\" \/>\n<meta property=\"og:locale\" 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