{"id":3067,"date":"2021-03-03T10:25:02","date_gmt":"2021-03-03T09:25:02","guid":{"rendered":"https:\/\/mysavings.be\/article\/frais-dentree-de-6-quel-est-impact-sur-mon-contrat-depargne-a-long-terme\/"},"modified":"2021-05-15T14:17:40","modified_gmt":"2021-05-15T12:17:40","slug":"frais-dentree-de-6-quel-est-impact-sur-mon-contrat-depargne-a-long-terme","status":"publish","type":"silo","link":"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/epargne-a-long-terme\/article\/frais-dentree-de-6-quel-est-impact-sur-mon-contrat-depargne-a-long-terme\/","title":{"rendered":"Frais d\u2019entr\u00e9e de 6%, quel est l\u2019impact sur mon contrat d&rsquo;\u00e9pargne \u00e0 long terme?"},"content":{"rendered":"<p>Utilisez notre simulateur pour le calculer, avec un rendement moyen de 3% sur toute la dur\u00e9e d\u2019un contrat, la diff\u00e9rence en capital entre 0% et 6% de frais d\u2019entr\u00e9e est de 4.700 euro.<\/p>\n<p>La plupart des contrats sont des contrats o\u00f9 100% de la prime est mise de c\u00f4t\u00e9 pour la pension, c\u2019est-\u00e0-dire sans garanties compl\u00e9mentaires: Une formule pure \u00e9pargne signifie que vous versez votre prime; on retire les frais d\u2019entr\u00e9e et sur le montant net vous recevez un int\u00e9r\u00eat + un bonus \u00e9ventuel. Les frais standards dans ce genre de produits sont de 6% sur chaque montant vers\u00e9, la diff\u00e9rence avec 0% de frais d\u2019entr\u00e9e est donc tr\u00e8s importante. ,<\/p>\n<p><strong>Exemple<\/strong>: Pour quelqu\u2019un \u00e2g\u00e9 de 40 ans qui met de c\u00f4t\u00e9 2.260 euro\u00a0par an, la diff\u00e9rence en rendement li\u00e9 aux frais d\u2019entr\u00e9e est sup\u00e9rieure \u00e0 4.700 euro. Le pouvoir d\u2019achat li\u00e9 \u00e0 ce montant sera plus faible dans 25 ans mais comme la prime d\u00e9ductible augmente chaque ann\u00e9e, la diff\u00e9rence ne sera que plus grande. Ces deux effets se compensent donc.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Utilisez notre simulateur pour le calculer, avec un rendement moyen de 3% sur toute la dur\u00e9e d\u2019un contrat, la diff\u00e9rence en capital entre 0% et 6% de frais d\u2019entr\u00e9e est de 4.700 euro. La plupart des contrats sont des contrats o\u00f9 100% de la prime est mise de c\u00f4t\u00e9 pour la pension, c\u2019est-\u00e0-dire sans garanties [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":0,"menu_order":249,"template":"","class_list":["post-3067","silo","type-silo","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Impact des frais d\u2019entr\u00e9e de 6% sur mon contrat d\u2019\u00e9pargne \u00e0 long terme<\/title>\n<meta name=\"description\" content=\"Utilisez notre simulateur pour le calculer et lisez notre article complet sur le sujet. 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