{"id":22883,"date":"2023-03-21T11:20:54","date_gmt":"2023-03-21T10:20:54","guid":{"rendered":"https:\/\/mysavings.be\/?post_type=info&#038;p=22883"},"modified":"2023-03-21T11:20:54","modified_gmt":"2023-03-21T10:20:54","slug":"quelle-est-la-difference-entre-la-branche-21-et-la-branche-23","status":"publish","type":"info","link":"https:\/\/mysavings.be\/fr\/centre-dinfo\/quelle-est-la-difference-entre-la-branche-21-et-la-branche-23\/","title":{"rendered":"Quelle est la diff\u00e9rence entre la branche 21 et la branche 23 ?"},"content":{"rendered":"<p>La Branche 21 est un placement en assurance vie qui contient un rendement garanti. C\u2019est-\u00e0-dire qu\u2019au moment o\u00f9 vous signez votre contrat, un taux est d\u00e9fini et la compagnie d\u2019assurance se doit de vous fournir ce rendement. Ce taux est g\u00e9n\u00e9ralement assez bas. En cas de faillite de la compagnie, vous \u00eates assur\u00e9 sur votre capital jusqu\u2019\u00e0 100.000\u20ac. Ces mesures rendent la Branche 21 particuli\u00e8rement prudente.<\/p>\n<p>A noter qu\u2019il vous est possible de b\u00e9n\u00e9ficier en plus de votre taux garanti d\u2019une participation b\u00e9n\u00e9ficiaire dans votre Branche 21. La compagnie verse une partie de ses b\u00e9n\u00e9fices dans les comptes en branche 21 afin de les rendre encore plus attractifs pour les \u00e9pargnants.<\/p>\n<p>La branche 23 est diff\u00e9rente : Vous n\u2019avez pas de taux garanti et aucune assurance quant au capital que vous avez \u00e9pargnez en cas de faillite de la compagnie d\u2019assurance. Toutefois, les rendements potentiels sont plus \u00e9lev\u00e9s que la Branche 21 : Votre \u00e9pargne est investie dans un ou plusieurs fonds que vous pouvez choisir selon vos go\u00fbts et vos objectifs et celui-ci va donc potentiellement fructifier en fonction des r\u00e9sultats des entreprises qui composent le fond s\u00e9lectionn\u00e9. Ce taux de rendement peut \u00eatre \u00e9lev\u00e9 mais il d\u00e9pend de l\u2019\u00e9tat des march\u00e9s.<\/p>\n<p>En conclusion : La branche 21 est r\u00e9serv\u00e9e aux investisseurs plus prudents. Son rendement est garanti mais assez faible et vous \u00eates assur\u00e9 jusqu\u2019\u00e0 100.000\u20ac sur votre capital en cas de faillite de votre compagnie d\u2019assurance.<br \/>\nLa branche 23 ne dispose pas de protection de capital, son rendement d\u00e9pend de l\u2019\u00e9tat des march\u00e9s mais peut se montrer bien plus profitable. Vous pouvez choisir le th\u00e8me dans lequel vous investissez<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La Branche 21 est un placement en assurance vie qui contient un rendement garanti. C\u2019est-\u00e0-dire qu\u2019au moment o\u00f9 vous signez votre contrat, un taux est d\u00e9fini et la compagnie d\u2019assurance se doit de vous fournir ce rendement. Ce taux est g\u00e9n\u00e9ralement assez bas. En cas de faillite de la compagnie, vous \u00eates assur\u00e9 sur votre [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":8082,"template":"","class_list":["post-22883","info","type-info","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Quelle est la diff\u00e9rence entre la branche 21 et la branche 23 ? - MySavings<\/title>\n<meta name=\"description\" content=\"La Branche 21 est un placement en assurance vie qui contient un rendement garanti. 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