{"id":864,"date":"2021-02-24T22:39:24","date_gmt":"2021-02-24T21:39:24","guid":{"rendered":"https:\/\/mysavings.be\/nos-produits\/fiscalite\/"},"modified":"2025-01-20T19:46:22","modified_gmt":"2025-01-20T18:46:22","slug":"fiscalite","status":"publish","type":"product","link":"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/epargne-pension\/Information\/fiscalite\/","title":{"rendered":"Fiscalit\u00e9"},"content":{"rendered":"<p>Chaque contribuable r\u00e9sident ayant <strong>entre 18 et 65 ans<\/strong> peut investir annuellement 1.050 euros (ou 1.350 euros) et r\u00e9cup\u00e9rera en moyenne 32,1% (26,75% dans le cas d&rsquo;\u00e9pargne-pension XL) de la prime vers\u00e9e \u00e0 l\u2019imp\u00f4t des personnes physiques.<\/p>\n<p>La taxation finale s&rsquo;\u00e9l\u00e8ve \u00e0 8%.<\/p>\n<p>Le contrat doit avoir une <strong>dur\u00e9e de minimum 10 ans<\/strong>.<\/p>\n<p>Vous devez \u00eatre<strong> le b\u00e9n\u00e9ficiaire du capital <\/strong>en cas de vie (60 ou 65 ans) pour b\u00e9n\u00e9ficier de l\u2019avantage fiscal.<\/p>\n<p>Vous pouvez d\u00e9signer librement celui qui percevra votre capital si vous veniez \u00e0 d\u00e9c\u00e9der pr\u00e9matur\u00e9ment, mais dans certaines limites. Vous pouvez d\u00e9signer quelqu\u2019un jusqu\u2019au deuxi\u00e8me degr\u00e9 de parent\u00e9 (conjoint, cohabitants l\u00e9gaux, enfants, petits-enfants, grands-parents, fr\u00e8res et soeurs).<\/p>\n<p>L<strong>\u2019id\u00e9al est de commencer avant vos 55 ans<\/strong> car dans ce cas, vous b\u00e9n\u00e9ficiez\u00a0 d\u2019un imp\u00f4t final \u00e0 60 ans, tout en continuant \u00e0 d\u00e9duire vos primes jusqu\u2019\u00e0 vos 65 ans.<\/p>\n<p>Si vous commencez apr\u00e8s vos 55 ans, le contrat doit courir pour une p\u00e9riode minimale de 10 ans. Mais les primes ne sont d\u00e9ductibles que jusqu\u2019\u00e0 vos 65 ans, l\u2019imp\u00f4t final sera d\u00fb au moment de la perception du capital. Ce sera \u00e9galement le cas si vous adaptez votre contrat apr\u00e8s vos 55 ans, fa\u00eetes-le donc avant cette date!<\/p>\n<p>Vous pouvez verser une prime pour<strong> la derni\u00e8re fois l&rsquo;ann\u00e9e de vos 64 ans<\/strong>. Vous ne pouvez pas d\u00e9duire une prime vers\u00e9e l&rsquo;ann\u00e9e de vos 65 ans.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Chaque contribuable r\u00e9sident ayant entre 18 et 65 ans peut investir annuellement 1.050 euros (ou 1.350 euros) et r\u00e9cup\u00e9rera en moyenne 32,1% (26,75% dans le cas d&rsquo;\u00e9pargne-pension XL) de la prime vers\u00e9e \u00e0 l\u2019imp\u00f4t des personnes physiques. La taxation finale s&rsquo;\u00e9l\u00e8ve \u00e0 8%. Le contrat doit avoir une dur\u00e9e de minimum 10 ans. Vous devez [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":666,"menu_order":2,"template":"","class_list":["post-864","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>Fiscalit\u00e9 d&#039;un plan \u00e9pargne-pension aux meilleures conditions l MySavings<\/title>\n<meta name=\"description\" content=\"Vous avez des questions sur la fiscalit\u00e9 d&#039;un plan \u00e9pargne-pension ? 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