{"id":6726,"date":"2015-01-01T00:00:00","date_gmt":"2014-12-31T23:00:00","guid":{"rendered":"https:\/\/mysavings.be\/centre-dinfo\/quelle-est-la-difference-entre-une-branche-21-et-une-branche-23\/"},"modified":"2021-04-30T15:09:54","modified_gmt":"2021-04-30T13:09:54","slug":"quelle-est-la-difference-entre-une-branche-21-et-une-branche-23","status":"publish","type":"info","link":"https:\/\/mysavings.be\/fr\/centre-dinfo\/quelle-est-la-difference-entre-une-branche-21-et-une-branche-23\/","title":{"rendered":"Quelle est la diff\u00e9rence entre une branche 21 et une branche 23?"},"content":{"rendered":"

La diff\u00e9rence se situe principalement dans la gestion. En branche 21 avec ou sans rendement garanti, la compagnie d\u2019assurance est oblig\u00e9e de vous garantir votre capital et va donc le placer en bon p\u00e8re de famille dans des placements \u00e0 revenus fixes (obligations, etc.). La compagnie d\u2019assurance est ainsi contractuellement tenue de vous garantir le capital ainsi que le rendement \u00e9ventuellement promis. Dans une branche 23, la compagnie d\u2019assurance est en fait une sorte d\u2019interm\u00e9diaire financier qui va vous permettre d\u2019investir dans des fonds g\u00e9r\u00e9s par des maisons de gestions (banque priv\u00e9e, etc). La compagnie d\u2019assurance va pour ceci se r\u00e9mun\u00e9rer en pr\u00e9levant des frais de gestion sur votre contrat (entre 0,5% et et 1,5% par an) pr\u00e9lev\u00e9 sur le capital plac\u00e9. Ces frais sont diminu\u00e9s du rendement du fonds, le reste du rendement \u00e9tant pour vous, mais ceci aussi bien dans des bonnes p\u00e9riodes boursi\u00e8res que dans des mauvaises. Votre capital n\u2019est en effet pas garanti.<\/p>\n","protected":false},"excerpt":{"rendered":"

La diff\u00e9rence se situe principalement dans la gestion. En branche 21 avec ou sans rendement garanti, la compagnie d\u2019assurance est oblig\u00e9e de vous garantir votre capital et va donc le placer en bon p\u00e8re de famille dans des placements \u00e0 revenus fixes (obligations, etc.). La compagnie d\u2019assurance est ainsi contractuellement tenue de vous garantir le […]<\/p>\n","protected":false},"author":13,"featured_media":8067,"template":"","class_list":["post-6726","info","type-info","status-publish","has-post-thumbnail","hentry","category-faq"],"acf":[],"yoast_head":"\nLes diff\u00e9rences entre une branche 21 et une branche 23 l MySavings<\/title>\n<meta name=\"description\" content=\"Les compagnies d'assurances g\u00e9reront vos placements de mani\u00e8re diff\u00e9rente. MySavings, sp\u00e9cialiste en assurances, vous explique pourquoi.\" \/>\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.be\/fr\/centre-dinfo\/quelle-est-la-difference-entre-une-branche-21-et-une-branche-23\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les diff\u00e9rences entre une branche 21 et une branche 23 l MySavings\" \/>\n<meta property=\"og:description\" content=\"Les compagnies d'assurances g\u00e9reront vos placements de mani\u00e8re diff\u00e9rente. 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