{"id":3064,"date":"2021-03-03T10:24:49","date_gmt":"2021-03-03T09:24:49","guid":{"rendered":"https:\/\/mysavings.be\/article\/plus-de-details-concernant-differentes-formules-epargne-a-long-terme\/"},"modified":"2021-05-16T11:52:33","modified_gmt":"2021-05-16T09:52:33","slug":"plus-de-details-concernant-differentes-formules-epargne-a-long-terme","status":"publish","type":"silo","link":"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/epargne-a-long-terme\/article\/plus-de-details-concernant-differentes-formules-epargne-a-long-terme\/","title":{"rendered":"Plus de d\u00e9tails concernant les diff\u00e9rentes formules d&rsquo;\u00e9pargne \u00e0 long terme"},"content":{"rendered":"<p>Une assurance vie fiscale est un contrat avec un assureur. Vous pouvez choisir entre diff\u00e9rents contrats d\u2019assurance\u00a0:<\/p>\n<ul>\n<li>Ou bien vous avez droit \u00e0 un int\u00e9r\u00eat annuel garanti sur vos versements. C\u2019est ce qu\u2019on appelle une branche 21. Au-del\u00e0 de \u00e7a peut \u00eatre attribu\u00e9 un bonus (limit\u00e9) annuel\u00a0;<\/li>\n<li>Ou bien vous b\u00e9n\u00e9ficiez d\u2019une garantie de capital avec un bonus annuel variable, c\u2019est ce qu\u2019on appelle une branche 21 \u00e0 0%\u00a0;<\/li>\n<li>Ou bien la compagnie d\u2019assurance ne vous garantit ni un int\u00e9r\u00eat annuel garanti ni le capital, mais vous recevez les revenus des fonds de placement que vous avez choisi. C\u2019est ce qu\u2019on appelle une branche 23. Ce contrat comporte certains risques car il peut \u00e0 long terme rapporter beaucoup plus mais aussi beaucoup moins qu\u2019un contrat de branche 21. La plupart des assurances-\u00e9pargne sont des contrats de branche 21, mais les deux formules sont de plus en plus combin\u00e9es dans un seul contrat et \u00e9ventuellement adapt\u00e9es en fonction de la dur\u00e9e restante du contrat.<\/li>\n<\/ul>\n<p>Vous commencez par exemple avant vos 50 ans, c\u2019est-\u00e0-dire qu\u2019il vous reste encore un horizon d\u2019investissement d\u2019au moins 15 ans, prenez une combinaison des deux formules, plus tard vous pourrez toujours basculer vers la formule 100% garanti. Si vous \u00eates un investisseur au profil d\u00e9fensif optez toujours pour la s\u00e9curit\u00e9 avec une branche 21 \u00e0 100%.<\/p>\n<ul>\n<li>Conseils de mysavings.be\u00a0:\n<ul>\n<li>Une assurance vie fiscale de la branche 21 offre donc une plus grande s\u00e9curit\u00e9 qu\u2019une assurance vie de la branche 23.<\/li>\n<li>La garantie du Fonds Sp\u00e9cial de Protection des d\u00e9p\u00f4ts et des contrats d&rsquo;assurance sur la vie vaut pour les assurances de branche 21. Dans le cas o\u00f9 un assureur tomberait en faillite, le Fonds Sp\u00e9cial assurera que l\u2019assur\u00e9 r\u00e9cup\u00e8re sa mise. Cette garantie vaut pour un montant maximum de 100.000 \u20ac par assur\u00e9 et par compagnie d\u2019assurance, pour l\u2019ensemble de vos contrats d\u2019assurance de branche 21. Si vous avez plusieurs contrats de branche 21 aupr\u00e8s d\u2019un m\u00eame assureur, qui tombe en faillite, le Fonds interviendra donc pour un montant maximal de 100.000 \u20ac.<\/li>\n<li>Les contrats d\u2019assurance de branche 23 ne b\u00e9n\u00e9ficient pas de cette garantie.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Une assurance vie fiscale est un contrat avec un assureur. Vous pouvez choisir entre diff\u00e9rents contrats d\u2019assurance\u00a0: Ou bien vous avez droit \u00e0 un int\u00e9r\u00eat annuel garanti sur vos versements. C\u2019est ce qu\u2019on appelle une branche 21. Au-del\u00e0 de \u00e7a peut \u00eatre attribu\u00e9 un bonus (limit\u00e9) annuel\u00a0; Ou bien vous b\u00e9n\u00e9ficiez d\u2019une garantie de capital [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":0,"menu_order":246,"template":"","class_list":["post-3064","silo","type-silo","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>D\u00e9tails concernant les diff\u00e9rentes formules d\u2019\u00e9pargne \u00e0 long terme<\/title>\n<meta name=\"description\" content=\"Une assurance vie fiscale est un contrat avec un assureur. 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