{"id":950,"date":"2021-02-24T22:39:46","date_gmt":"2021-02-24T21:39:46","guid":{"rendered":"https:\/\/mysavings.be\/nos-produits\/assurance-epargne-branche-21\/"},"modified":"2021-04-18T17:21:32","modified_gmt":"2021-04-18T15:21:32","slug":"assurance-epargne-branche-21","status":"publish","type":"product","link":"https:\/\/mysavings.be\/fr\/nos-produits\/epargner\/epargne-garantie\/Information\/assurance-epargne-branche-21\/","title":{"rendered":"Assurance-\u00e9pargne Branche 21"},"content":{"rendered":"<p><strong>Avantages de travailler avec un produit d&rsquo;assurance-\u00e9pargne de la branche 21:<\/strong><\/p>\n<ul>\n<li>Vous optez pour <strong>une garantie totale <\/strong>de capital sans prise de risque<\/li>\n<li>Vous versez mensuellement de mani\u00e8re flexible<\/li>\n<li>Vous apportez une structure \u00e0 votre avoir<\/li>\n<li>Vous profitez de<strong> l&rsquo;effet de capitalisation (int\u00e9r\u00eats sur int\u00e9r\u00eats)<\/strong><\/li>\n<li>Vous souhaitez dissocier cette \u00e9pargne du reste de vos avoirs<\/li>\n<li>Vous profitez de la fiscalit\u00e9 avantageuse (pas de PM si &gt; 8ans)\u00a0en ne payant que 2% de taxe \u00e0 l&rsquo;entr\u00e9e<\/li>\n<\/ul>\n<p>\u200bLa dur\u00e9e id\u00e9ale d&rsquo;une <strong>branche 21 ans est de 8 ans<\/strong>, p\u00e9riode au-del\u00e0 de laquelle le pr\u00e9compte mobilier n&rsquo;est plus d\u00fb sur les retraits. Ce d\u00e9lai des 8 ans n&rsquo;est pas d&rsquo;application si vous souscrivez avec votre placement une couverture d\u00e9c\u00e8s au moins \u00e9quivalente \u00e0 130% du montant investi. Une prime annuelle est due pour cette protection mais<strong> le pr\u00e9compte mobilier n&rsquo;est lui jamais \u00e0 paye<\/strong>r.<\/p>\n<p>Si vos \u00ab\u00a0r\u00e9serves\u00a0\u00bb vous permettent de faire face \u00e0 une ann\u00e9e difficile financi\u00e8rement, alors il est int\u00e9ressant de structurer votre \u00e9pargne suppl\u00e9mentaire via un placement en assurances-vies.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Avantages de travailler avec un produit d&rsquo;assurance-\u00e9pargne de la branche 21: Vous optez pour une garantie totale de capital sans prise de risque Vous versez mensuellement de mani\u00e8re flexible Vous apportez une structure \u00e0 votre avoir Vous profitez de l&rsquo;effet de capitalisation (int\u00e9r\u00eats sur int\u00e9r\u00eats) Vous souhaitez dissocier cette \u00e9pargne du reste de vos avoirs [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":672,"menu_order":2,"template":"","class_list":["post-950","product","type-product","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>L&#039;assurance-\u00e9pargne branche 21 l MySavings, votre expert pension<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez les avantages de l&#039;assurance-\u00e9pargne branche 21 l B\u00e9n\u00e9ficiez des meilleures conditions via MySavings.\" \/>\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\/nos-produits\/epargner\/epargne-garantie\/Information\/assurance-epargne-branche-21\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" 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