{"id":3166,"date":"2021-03-03T10:27:11","date_gmt":"2021-03-03T09:27:11","guid":{"rendered":"https:\/\/mysavings.be\/article\/je-souhaite-epargner-dans-un-but-specifique\/"},"modified":"2021-05-05T16:14:16","modified_gmt":"2021-05-05T14:14:16","slug":"je-souhaite-epargner-dans-un-but-specifique","status":"publish","type":"silo","link":"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/epargne-a-long-terme\/article\/je-souhaite-epargner-dans-un-but-specifique\/","title":{"rendered":"Je souhaite \u00e9pargner dans un but sp\u00e9cifique"},"content":{"rendered":"<p><strong>Epargner pas \u00e0 pas\u00a0:<\/strong><\/p>\n<ul>\n<li>Commencez toujours par la constitution d\u2019une r\u00e9serve pour des d\u00e9penses impr\u00e9vues \u00e0 court terme (1 \u00e0 2 ans), le compte d\u2019\u00e9pargne est id\u00e9al pour cela.<\/li>\n<li>D\u00e9finissez un objectif d\u2019\u00e9pargne\u00a0: le fait de d\u00e9finir un objectif facilite l\u2019\u00e9pargne de mani\u00e8re disciplin\u00e9e.<\/li>\n<\/ul>\n<p><strong>Posez-vous les bonnes questions\u00a0:<\/strong><\/p>\n<ul>\n<li>Quel est mon objectif d\u2019\u00e9pargne\u00a0? (Petits-)Enfants, filleul, pension, voyage, immobilier, \u2026<\/li>\n<li>Quel est l\u2019horizon d\u2019investisement\u00a0? Age, ann\u00e9e d\u00e9termin\u00e9e<\/li>\n<li>Combien pouvez-vous \u00e9pargner chaque mois\u00a0?<\/li>\n<li>Faites \u00e9ventuellement un aper\u00e7u de votre budget<\/li>\n<li>Vous pouvez vous fixer un objectif et calculer combien d\u2019ann\u00e9es il vous faudra \u00e9pargner<\/li>\n<li>Ou vous pouvez proc\u00e9der invers\u00e9ment si vous savez combien vous pouvez \u00e9pargner par mois.<\/li>\n<li>Utilisez pour ce faire nos simulateurs d\u2019\u00e9pargne.<\/li>\n<\/ul>\n<p><strong>Quoi et comment\u00a0?<img decoding=\"async\" style=\"float: right; height: 310px; margin: 20px; width: 307px;\" src=\"https:\/\/mysavings.be\/wp-content\/uploads\/2021\/03\/vrouwinveldindebergen.jpg\" alt=\"Epargner avec un objectif\" \/><\/strong><\/p>\n<p>Commencez une \u00e9pargne s\u00e9par\u00e9e afin de constituer syst\u00e9matiquement un capital par le biais d\u2019une assurance placement.<\/p>\n<p><strong>Pourquoi une assurance placement\u00a0?<\/strong><\/p>\n<ul>\n<li>Comptez sur le rendement \u00e0 long terme<\/li>\n<li>L\u2019\u00e9pargne est s\u00e9par\u00e9e de votre compte d\u2019\u00e9pargne ou autres placements<\/li>\n<li>Faites un ordre permanent afin de garantir une autodiscipline<\/li>\n<li>De cette mani\u00e8re vous \u00e9pargnerez sans vous en rendre compte<\/li>\n<li>Vous avez le choix entre un rendement fixe, une gestion dynamique avec rendement variable ou une combinaison<\/li>\n<li>\u00a0Souhaitez-vous vous constituer un capital \u00e0 terme d\u2019une mani\u00e8re \u00e9quilibr\u00e9e\u00a0? Choisissez la combinaison de branche 21 et branche 23 (voyez plus loin pour plus d\u2019information)<\/li>\n<li>Ne perdez pas de vue que l\u2019horizon id\u00e9al est de 8 ans ou plus pour une branche 21 afin de ne pas devoir payer le pr\u00e9compte mobilier. Pour une branche 23 le terme de 8 ans ne vaut pas, il est donc possible de retirer tout son investissement au bout d\u2019un an sans payer de pr\u00e9compte mobilier ni d\u2019autres imp\u00f4ts.Regardez\u00a0l&rsquo;aper\u00e7u <a href=\"https:\/\/mysavings.be\/fr\/nos-produits\/epargner\/\">\u00e9pargner<\/a>.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Epargner pas \u00e0 pas\u00a0: Commencez toujours par la constitution d\u2019une r\u00e9serve pour des d\u00e9penses impr\u00e9vues \u00e0 court terme (1 \u00e0 2 ans), le compte d\u2019\u00e9pargne est id\u00e9al pour cela. D\u00e9finissez un objectif d\u2019\u00e9pargne\u00a0: le fait de d\u00e9finir un objectif facilite l\u2019\u00e9pargne de mani\u00e8re disciplin\u00e9e. Posez-vous les bonnes questions\u00a0: Quel est mon objectif d\u2019\u00e9pargne\u00a0? (Petits-)Enfants, filleul, [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":0,"menu_order":94,"template":"","class_list":["post-3166","silo","type-silo","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Je souhaite \u00e9pargner dans un but sp\u00e9cifique - MySavings<\/title>\n<meta name=\"description\" content=\"Pension - \u00c9pargne \u00e0 long terme | \u00c9pargner dans un but sp\u00e9cifique: guide de l&#039;\u00e9pargne pas \u00e0 pas | MySavings, votre expert pension\" \/>\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-a-long-terme\/article\/je-souhaite-epargner-dans-un-but-specifique\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Je souhaite \u00e9pargner dans un but sp\u00e9cifique - 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