{"id":1032,"date":"2021-02-24T22:40:13","date_gmt":"2021-02-24T21:40:13","guid":{"rendered":"https:\/\/mysavings.be\/nos-produits\/plcs-en-branche-21-ou-branche-23\/"},"modified":"2021-03-24T13:48:24","modified_gmt":"2021-03-24T12:48:24","slug":"plcs-en-branche-21-ou-branche-23","status":"publish","type":"product","link":"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/pension-libre-complementaire-pour-salaries-plcs\/Information\/plcs-en-branche-21-ou-branche-23\/","title":{"rendered":"PLCS en branche 21 ou branche 23"},"content":{"rendered":"<p><em>Vous \u00e9pargnez pour votre retraite via une Pension Libre Compl\u00e9mentaire pour Salari\u00e9s? Vous pouvez choisir entre la branche 21 ou la branche 23: vous obtiendrez ainsi un rendement garanti (branche 21) ou votre rendement d\u00e9pendra de la performance des fonds de placements sous-jacents (branche 23). La combinaison des branches 21 et 23 est \u00e9galement une piste envisageable.<\/em><\/p>\n<p>\u00cates-vous employ\u00e9 et souhaitez-vous constituer un capital pension compl\u00e9mentaire au sein du deuxi\u00e8me pilier\u00a0? \u00a0Votre employeur ne propose pas d\u2019assurance groupe ni de fonds de pension\u00a0? Une Pension Libre Compl\u00e9mentaire pour Salari\u00e9s (PLCS) peut donc pr\u00e9senter un int\u00e9r\u00eat dans votre situation.<\/p>\n<p>Comment le rendement est-il d\u00e9termin\u00e9 ?<\/p>\n<p>Vous avez le choix parmi trois options:<\/p>\n<ul>\n<li>Vous choisissez la <strong>branche 21<\/strong>\u00a0: vous obtenez un rendement garanti, \u00e9ventuellement augment\u00e9 d\u2019une participation b\u00e9n\u00e9ficiaire. Cette derni\u00e8re n&rsquo;est pas garantie, mais est attribu\u00e9e si les r\u00e9sultats de la compagnie d\u2019assurance le permettent.<\/li>\n<li>Vous optez pour la <strong>branche 23<\/strong>,\u00a0: votre rendement d\u00e9pend des r\u00e9sultats d&rsquo;un ou de plusieurs fonds d&rsquo;investissement. Cette formule peut vous donner une perspective de rendement sup\u00e9rieur, mais elle comporte \u00e9galement plus de risques. En cas de moins bonne performance, votre rendement va \u00e9galement \u00eatre revu \u00e0 la baisse.<\/li>\n<li>Vous combinez les <strong>branches 21 et 23<\/strong>. Par exemple, vous pouvez choisir la branche 21 comme formule de placement principale, mais vous investissez votre participation b\u00e9n\u00e9ficiaire au sein de la branche 23. Vous b\u00e9n\u00e9ficiez ainsi d\u2019une s\u00e9curit\u00e9 de rendement (branche 21), mais vous b\u00e9n\u00e9ficiez \u00e9galement de la possibilit\u00e9 d\u2019obtenir un rendement sup\u00e9rieur suite \u00e0 la hausse des march\u00e9s boursiers (branche 23).<\/li>\n<\/ul>\n<p>Souhaitez-vous obtenir plus d\u2019informations \u00e0 ce sujet ? <a href=\"https:\/\/mysavings.be\/fr\/contact\/\">N\u2019h\u00e9sitez pas \u00e0 nous contacter et \u00e0 prendre rendez-vous avec nos sp\u00e9cialistes. <\/a>Nous sommes \u00e0 votre disposition pour r\u00e9pondre \u00e0 toutes vos questions afin de d\u00e9terminer avec vous si la PLCS pr\u00e9sente un int\u00e9r\u00eat dans votre situation.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vous pouvez \u00e9pargner tant en branche 21 qu\u2019en branche 23 au sein de votre Pension Libre Compl\u00e9mentaire pour Salari\u00e9s.<\/p>\n","protected":false},"featured_media":0,"parent":685,"menu_order":4,"template":"","class_list":["post-1032","product","type-product","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>PLCS \u2013 Branche 21 ou branche 23 ? 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