{"id":3144,"date":"2021-03-03T10:26:32","date_gmt":"2021-03-03T09:26:32","guid":{"rendered":"https:\/\/mysavings.be\/article\/epargne-pour-votre-filleule\/"},"modified":"2021-04-20T14:56:11","modified_gmt":"2021-04-20T12:56:11","slug":"epargne-pour-votre-filleule","status":"publish","type":"silo","link":"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/eip-assurance-groupe\/article\/epargne-pour-votre-filleule\/","title":{"rendered":"Epargne pour votre filleul(e)"},"content":{"rendered":"<p>Il y a plusieurs sc\u00e9narios possibles, ayant chacun leurs cons\u00e9quences propres.<\/p>\n<p>Nous partons du principe dans ce cas qu\u2019en tant que <strong>parrain ou marraine vous souhaitez garder le contr\u00f4le total sur l\u2019argent et qu\u2019ult\u00e9rieurement il reste possible de d\u00e9cider d\u2019attribuer ou non l\u2019argent \u00e0 votre filleul(e).<\/strong><\/p>\n<ul>\n<li>Parrain ou marraine = preneur d\u2019assurance, vous avez tous les droits, vous faites les versements, vous pouvez arr\u00eater de verser, vous pouvez racheter l\u2019\u00e9pargne, vous \u00eates le seul ma\u00eetre \u00e0 bord du contrat<\/li>\n<li>Parrain ou marraine = assur\u00e9<\/li>\n<li>Filleul(e) = b\u00e9n\u00e9ficiaire en cas de d\u00e9c\u00e8s et vie<\/li>\n<li>Vous pouvez choisir une date de fin sp\u00e9cifique par exemple quand votre filleul(e) atteint l\u2019\u00e2ge de 21 ans, l\u2019argent lui sera automatiquement vers\u00e9. Il est \u00e9galement possible de d\u00e9finir une date ult\u00e9rieure, vous d\u00e9cidez quand l\u2019argent est vers\u00e9.<img loading=\"lazy\" decoding=\"async\" style=\"float: right; margin: 20px;\" src=\"https:\/\/mysavings.be\/wp-content\/uploads\/2021\/03\/springendejongeren.jpg\" alt=\"epargne pour filleul\" width=\"307\" height=\"190\" \/><\/li>\n<\/ul>\n<p>Attention : en cas de votre pr\u00e9d\u00e9c\u00e8s l\u2019argent sera revers\u00e9 \u00e0 votre filleul(e). Des droits de succession seront dus en fonction de la R\u00e9gion dans laquelle vous habitez et s\u2019\u00e9l\u00e8vent \u00e0 45% (jusqu\u2019\u00e0 75.000 \u20ac en Flandre), \u00e0 50% (jusqu\u2019\u00e0 75.000 \u20ac) en R\u00e9gion wallonne et 45% (jusqu\u2019\u00e0 75.000 \u20ac) en R\u00e9gion bruxelloise.<strong> Si vous attribuez un m\u00eame montant par testament les m\u00eames droits de succession seront dus<\/strong>. Il n\u2019est seulement possible d\u2019\u00e9viter les droits de succession qu\u2019en donnant l\u2019argent \u00e0 votre filleul(e), mais dans ce cas vous en perdrez le contr\u00f4le. Ceci peut \u00eatre mis en place dans le cas d\u2019une maladie inopin\u00e9e.<\/p>\n<p>Dans des circonstances normales vous serez encore en pleine forme lorsque vous donnerez cet argent \u00e0 votre filleul(e), c\u2019est seulement en cas de d\u00e9c\u00e8s inopin\u00e9 que les droits de succession seront dus.<\/p>\n<p><a href=\"https:\/\/mysavings.be\/fr\/nos-produits\/epargner\/\">Regardez l\u2019aper\u00e7u des assureurs avec lesquels MySavings travaille et faites votre propre choix ou suivez notre conseil.<\/a> Contactez-nous et commencez d\u00e8s aujourd\u2019hui un beau plan d\u2019\u00e9pargne.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Il y a plusieurs sc\u00e9narios possibles, ayant chacun leurs cons\u00e9quences propres. Nous partons du principe dans ce cas qu\u2019en tant que parrain ou marraine vous souhaitez garder le contr\u00f4le total sur l\u2019argent et qu\u2019ult\u00e9rieurement il reste possible de d\u00e9cider d\u2019attribuer ou non l\u2019argent \u00e0 votre filleul(e). Parrain ou marraine = preneur d\u2019assurance, vous avez tous [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":0,"menu_order":72,"template":"","class_list":["post-3144","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>Epargne pour votre filleul(e) l MySavings, votre expert pension<\/title>\n<meta name=\"description\" content=\"Vous souhaitez constituer une \u00e9pargne pour votre filleul(e) ? 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