{"id":2999,"date":"2021-03-03T10:23:33","date_gmt":"2021-03-03T09:23:33","guid":{"rendered":"https:\/\/mysavings.be\/article\/plus-de-details-concernant-les-differentes-formules-epargne-pension\/"},"modified":"2021-05-16T21:48:02","modified_gmt":"2021-05-16T19:48:02","slug":"plus-de-details-concernant-les-differentes-formules-epargne-pension","status":"publish","type":"silo","link":"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/epargne-pension\/article\/plus-de-details-concernant-les-differentes-formules-epargne-pension\/","title":{"rendered":"Plus de d\u00e9tails concernant les diff\u00e9rentes formules d&rsquo;\u00e9pargne-pension"},"content":{"rendered":"<p>Une assurance \u00e9pargne-pension est un contrat avec un assureur. Vous pouvez choisir entre diff\u00e9rentes sortes de contrats d\u2019assurance:<\/p>\n<ul>\n<li>Soit vous avez droit \u00e0 un int\u00e9r\u00eat annuel fixe sur vos placements. Il s\u2019agit d\u2019un contrat branche 21 avec un rendement minimum, en-sus un bonus annuel (limit\u00e9) est en g\u00e9n\u00e9ral encore accord\u00e9.<\/li>\n<li>Soit vous recevez une garantie du capital avec un bonus variable annuel qui repr\u00e9sente votre rendement, les assureurs appellent cela un contrat de Branche 21 \u00e0 taux 0%.<\/li>\n<li>Soit l\u2019assureur ne garanti pas d\u2019int\u00e9r\u00eat fixe annuel ni de garantie du capital, mais vous recevez le b\u00e9n\u00e9fice des fonds de placements que vous avez choisi (comparable avec un fonds de pension via votre banque). Les assureurs appellent cela un contrat Branche 23. Cela contient des risques car les b\u00e9n\u00e9fices peuvent \u00eatre bien sup\u00e9rieurs mais aussi inf\u00e9rieur \u00e0 un contrat de Branche 21 sur le long terme. La plupart des assurances \u00e9pargne-pension sont des contrats Branche 21, mais de plus en plus une combinaison des deux formules est propos\u00e9e dans un contrat unique et le placement est adapt\u00e9 en fonction de la dur\u00e9e.<\/li>\n<li>En commen\u00e7ant \u00e0 vos 50 ans, avec un horizon d\u2019au moins 15 ans, optez pour une combinaison entre les deux formules, par la suite il est toujours possible de transf\u00e9rer votre capital vers un rendement fixe \u00e0 100%. Si vous \u00eates un investisseur d\u00e9fensif, optez directement pour la s\u00e9curit\u00e9 en choisissant un placement 100% en branche 21.<\/li>\n<li>vous pouvez \u00e9galement choisir pour des versements r\u00e9guliers dans un fonds d\u2019\u00e9pargne-pension, aupr\u00e8s d\u2019une banque. Ceci place votre argent en actions ou en obligations ou dans les deux. Le cours des actions et obligations d\u00e9termineront combien vaut votre fonds d\u2019\u00e9pargne-pension. Un fonds d\u2019\u00e9pargne-pension n\u2019a pas d\u2019\u00e9ch\u00e9ance finale, vous d\u00e9terminez m\u00eame quand vous reprenez l\u2019argent de votre fonds d\u2019\u00e9pargne-pension, normalement \u00e0 65 ans.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Une assurance \u00e9pargne-pension est un contrat avec un assureur. Vous pouvez choisir entre diff\u00e9rentes sortes de contrats d\u2019assurance: Soit vous avez droit \u00e0 un int\u00e9r\u00eat annuel fixe sur vos placements. Il s\u2019agit d\u2019un contrat branche 21 avec un rendement minimum, en-sus un bonus annuel (limit\u00e9) est en g\u00e9n\u00e9ral encore accord\u00e9. Soit vous recevez une garantie [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":0,"menu_order":181,"template":"","class_list":["post-2999","silo","type-silo","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>\u00c9pargne-pension: les diff\u00e9rentes formules | MySavings<\/title>\n<meta name=\"description\" content=\"Retrouvez les d\u00e9tails des diff\u00e9rentes formules d&#039;\u00e9pargne-pension et trouvez le contrat d&#039;assurance pension qui correspond \u00e0 vos besoins.\" \/>\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\/pension\/epargne-pension\/article\/plus-de-details-concernant-les-differentes-formules-epargne-pension\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta 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