{"id":1011,"date":"2021-02-24T22:40:03","date_gmt":"2021-02-24T21:40:03","guid":{"rendered":"https:\/\/mysavings.be\/nos-produits\/epargne-pension-xl-a-partir-de-2018\/"},"modified":"2025-01-20T19:51:26","modified_gmt":"2025-01-20T18:51:26","slug":"epargne-pension-xl-a-partir-de-2018","status":"publish","type":"product","link":"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/epargne-pension\/Information\/epargne-pension-xl-a-partir-de-2018\/","title":{"rendered":"Epargne-pension XL \u00e0 partir de 2018"},"content":{"rendered":"<p>Il vous est possible de verser une prime sup\u00e9rieure dans votre \u00e9pargne pension depuis 2018. Celle-ci est limit\u00e9e \u00e0 1.350 euros (montant 2025) et vous offre un avantage fiscal de 25% \u00e0 la place de 30%.\u00a0 Les autres r\u00e8gles applicables \u00e0 l\u2019\u00e9pargne pension sont inchang\u00e9es. Vous pouvez choisir chaque ann\u00e9e de verser la prime du montant de votre choix dans votre \u00e9pargne pension : plus ou moins que 1.050 euros, <strong>avec un nouveau maximum absolu de 1.350 euros.<\/strong><\/p>\n<p>D\u00e8s que vous versez un (1) euro de plus au-del\u00e0 de 1.050 euros par an, la banque ou la compagnie d\u2019assurance pr\u00e9sumera une volont\u00e9 explicite de votre part d\u2019opter pour le syst\u00e8me d\u2019\u00e9pargne pension \u201cXL\u201d, limitant votre avantage fiscal \u00e0 25% sur la totalit\u00e9 du montant vers\u00e9.<\/p>\n<p><strong>L\u2019\u00e9pargne pension \u201cXL\u201d<\/strong> vous permet de r\u00e9aliser une \u00e9conomie d\u2019imp\u00f4ts annuelle de 337,5 euros maximum \u00e0 la place de 315 euros. La taxation au terme de 8% \u00e0 l\u2019\u00e2ge de 60 ans vient toutefois diminuer cet attrait fiscal, voire le r\u00e9duire \u00e0 n\u00e9ant.<\/p>\n<p><strong>D\u2019autres motifs peuvent vous pousser \u00e0 opter pour l\u2019\u00e9pargne pension \u201cXL\u201d:<\/strong><\/p>\n<ul>\n<li>Discipline suppl\u00e9mentaire en vue de vous constituer un capital pension plus important;<\/li>\n<li><a href=\"https:\/\/mysavings.be\/fr\/centre-dinfo\/investir-dans-des-fonds-de-placement-en-fonction-de-votre-profil-dinvestisseur-branche-23\/\">Les rendements des formules d\u2019\u00e9pargne pension dynamiques sont plus \u00e9lev\u00e9s que ceux offerts par les carnets d\u2019\u00e9pargne;<\/a><\/li>\n<li>Vous b\u00e9n\u00e9ficiez de l\u2019effet de capitalisation \u00e0 long terme (int\u00e9r\u00eats sur les int\u00e9r\u00eats);<\/li>\n<li>Aucun pr\u00e9compte mobilier ni taxe sur les op\u00e9rations boursi\u00e8res ne sont dus sur les capitaux d\u00e9tenus au travers d\u2019une \u00e9pargne pension.<\/li>\n<\/ul>\n<p>Conclusion: si vous avez la possibilit\u00e9 d\u2019\u00e9pargner un montant suppl\u00e9mentaire et que vous n\u2019avez pas d\u2019autre alternative d\u2019\u00e9pargne, optez pour l\u2019\u00e9pargne pension XL.<\/p>\n<p>Des questions? <a href=\"https:\/\/mysavings.be\/fr\/contact\/\">N\u2019h\u00e9sitez pas \u00e0 nous envoyer un e-mail, \u00e0 nous appeler ou \u00e0 chatter avec nous en vue de fixer un rendez-vous ensemble sans engagement.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Il vous est possible de verser une prime sup\u00e9rieure dans votre \u00e9pargne pension depuis 2018. Celle-ci est limit\u00e9e \u00e0 1.350 euro et vous offre un avantage fiscal de 25% \u00e0 la place de 30%.\u00a0<\/p>\n","protected":false},"featured_media":0,"parent":666,"menu_order":8,"template":"","class_list":["post-1011","product","type-product","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Prime sup\u00e9rieur \u00e0 votre assurance \u00e9pargne l MySavings<\/title>\n<meta name=\"description\" content=\"Envie d&#039;am\u00e9liorer votre niveau de vie ? 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