{"id":3183,"date":"2021-03-03T10:27:24","date_gmt":"2021-03-03T09:27:24","guid":{"rendered":"https:\/\/mysavings.be\/article\/effets-de-frais-dentree-de-6-sur-mon-capital-dans-contrat-inami\/"},"modified":"2021-05-19T15:31:31","modified_gmt":"2021-05-19T13:31:31","slug":"effets-de-frais-dentree-de-6-sur-mon-capital-dans-contrat-inami","status":"publish","type":"silo","link":"https:\/\/mysavings.be\/fr\/onze-producten\/pension\/inami-avantages-sociaux\/article\/effets-de-frais-dentree-de-6-sur-mon-capital-dans-contrat-inami\/","title":{"rendered":"Quels sont les effets de frais d\u2019entr\u00e9e de 6% sur mon capital dans mon contrat INAMI?"},"content":{"rendered":"<p>Vous devez changer de contrat uniquement si vous obtenez de meilleures conditions. \u00a0S\u2019il s\u2019agit d\u2019un contrat o\u00f9 la majorit\u00e9 de la prime est mise de c\u00f4t\u00e9 pour votre pension (PLCI sociale), le raisonnement est simple. La prime est vers\u00e9e, des frais sont pr\u00e9lev\u00e9s (entre 0% et 6%) et le montant net est plac\u00e9 et vous rapporte un int\u00e9r\u00eat fixe, \u00a0\u00a0plus \u00e9ventuellement une participation b\u00e9n\u00e9ficiaire annuelle. La diff\u00e9rence entre un contrat avec 6% de frais ou 0% est donc tr\u00e8s importante.<\/p>\n<p><strong>Exemple<\/strong>: une quadrag\u00e9naire b\u00e9n\u00e9ficie d\u2019avantages sociaux INAMI de 3.000 \u20ac. A ses 65 ans, la diff\u00e9rence de capital \u00e0 l\u2019\u00e9ch\u00e9ance s\u2019\u00e9l\u00e8ve, avec un <strong>m\u00eame rendement<\/strong>, \u00e0 plus de <strong>5.800 \u20ac<\/strong>. Le pouvoir d\u2019achat repr\u00e9sent\u00e9 par ce montant, il est vrai, sera plus faible dans 25 ans qu\u2019aujourd\u2019hui. Mais le montant d\u00e9ductible augmente chaque ann\u00e9e. Ces deux effets se compensent donc.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vous devez changer de contrat uniquement si vous obtenez de meilleures conditions. \u00a0S\u2019il s\u2019agit d\u2019un contrat o\u00f9 la majorit\u00e9 de la prime est mise de c\u00f4t\u00e9 pour votre pension (PLCI sociale), le raisonnement est simple. La prime est vers\u00e9e, des frais sont pr\u00e9lev\u00e9s (entre 0% et 6%) et le montant net est plac\u00e9 et vous [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":0,"menu_order":111,"template":"","class_list":["post-3183","silo","type-silo","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>INAMI | Frais d&#039;entr\u00e9e: les effets sur mon capital - MySavings<\/title>\n<meta name=\"description\" content=\"Pension et Avantages Sociaux | Quels sont les effets des frais d&#039;entr\u00e9e de 6% sur votre capital ? | MySavings, votre expert pensions\" \/>\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\/onze-producten\/pension\/inami-avantages-sociaux\/article\/effets-de-frais-dentree-de-6-sur-mon-capital-dans-contrat-inami\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"INAMI | Frais d&#039;entr\u00e9e: les effets sur mon capital - MySavings\" \/>\n<meta property=\"og:description\" content=\"Pension et Avantages Sociaux | Quels sont les effets des frais d&#039;entr\u00e9e de 6% sur votre capital ? 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