{"id":6817,"date":"2025-10-29T13:24:40","date_gmt":"2025-10-29T12:24:40","guid":{"rendered":"https:\/\/www.wellfin.be\/?p=6817"},"modified":"2025-10-30T09:59:01","modified_gmt":"2025-10-30T08:59:01","slug":"placements-bancaires-et-assurances-en-belgique","status":"publish","type":"post","link":"https:\/\/www.wellfin.be\/fr\/placements-bancaires-et-assurances-en-belgique\/","title":{"rendered":"Placements bancaires et assurances placements en Belgique : comprendre les diff\u00e9rences et les avantages"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"6817\" class=\"elementor elementor-6817\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f3f398c e-flex e-con-boxed e-con e-parent\" data-id=\"f3f398c\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-adcdfbe elementor-widget elementor-widget-text-editor\" data-id=\"adcdfbe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">En Belgique, l\u2019assurance est encore trop souvent per\u00e7ue sous l\u2019angle exclusif de la protection : assurer un v\u00e9hicule, couvrir une incapacit\u00e9 de travail, ou pr\u00e9voir un capital en cas de d\u00e9c\u00e8s. Cette vision, bien que correcte, occulte une r\u00e9alit\u00e9 importante du droit des assurances : au-del\u00e0 de cette fonction protectrice, il existe \u00e9galement des contrats \u00e0 finalit\u00e9 purement financi\u00e8re, commun\u00e9ment appel\u00e9s assurances placements.<br \/><br \/><\/p><p class=\"p1\">Ces contrats ne visent pas \u00e0 couvrir un risque, mais \u00e0 constituer ou \u00e0 valoriser un capital, de la m\u00eame mani\u00e8re qu\u2019un placement bancaire. L\u2019\u00e9pargnant peut ainsi investir dans des fonds g\u00e9r\u00e9s par de grandes soci\u00e9t\u00e9s internationales de gestion d\u2019actifs, tout en b\u00e9n\u00e9ficiant d\u2019un cadre juridique et fiscal propre au domaine de l\u2019assurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c1f75d e-flex e-con-boxed e-con e-parent\" data-id=\"1c1f75d\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a125380 elementor-widget elementor-widget-spacer\" data-id=\"a125380\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7567e6d elementor-widget elementor-widget-heading\" data-id=\"7567e6d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Banque et assurance : deux portes d\u2019entr\u00e9e vers les m\u00eames fonds<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6beb6b9 e-flex e-con-boxed e-con e-parent\" data-id=\"6beb6b9\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78f3c73 elementor-widget elementor-widget-spacer\" data-id=\"78f3c73\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9855d7 elementor-widget elementor-widget-text-editor\" data-id=\"c9855d7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Concr\u00e8tement, que l\u2019on passe par une banque ou par une compagnie d\u2019assurance, les fonds propos\u00e9s sont tr\u00e8s souvent les m\u00eames : ils sont g\u00e9r\u00e9s par de grands acteurs mondiaux tels que Carmignac, Rothschild ou d\u2019autres gestionnaires reconnus.<br \/><br \/><\/p><p class=\"p1\">La diff\u00e9rence ne r\u00e9side donc pas dans la qualit\u00e9 des investissements accessibles, mais bien dans le v\u00e9hicule utilis\u00e9 pour y acc\u00e9der. L\u2019investisseur a le choix entre :<br \/><br \/><\/p><ul class=\"ul1\"><li class=\"li1\">investir via son banquier,<br \/><br \/><\/li><li class=\"li1\">ou investir via un contrat d\u2019assurance placement souscrit aupr\u00e8s de son assureur ou courtier.<br \/><br \/><\/li><\/ul><p class=\"p1\">Dans les deux cas, il s\u2019agit uniquement de placements financiers, sans lien direct avec une couverture de risque comme on pourrait l\u2019imaginer spontan\u00e9ment avec le mot \u00ab\u00a0assurance\u00a0\u00bb.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4d5d859 e-flex e-con-boxed e-con e-parent\" data-id=\"4d5d859\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb9430c elementor-widget elementor-widget-spacer\" data-id=\"bb9430c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01bed5a elementor-widget elementor-widget-heading\" data-id=\"01bed5a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Investir d\u2019un coup ou petit \u00e0 petit<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb2e824 e-con-full e-flex e-con e-child\" data-id=\"cb2e824\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a09627f elementor-widget elementor-widget-spacer\" data-id=\"a09627f\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3746de1 e-flex e-con-boxed e-con e-parent\" data-id=\"3746de1\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1224488 elementor-widget elementor-widget-text-editor\" data-id=\"1224488\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">L\u2019un des grands atouts de l\u2019assurance placement est la flexibilit\u00e9 des montants investis.<br \/><br \/><\/p><ul class=\"ul1\"><li class=\"li1\">Une personne disposant d\u2019un capital important, par exemple 100 000 \u20ac, peut le placer en une fois.<br \/><br \/><\/li><li class=\"li1\">Mais il est \u00e9galement possible de commencer un plan d\u2019\u00e9pargne avec des montants beaucoup plus modestes, d\u00e8s 50 \u20ac par mois.<br \/><br \/><\/li><\/ul><p class=\"p1\">Cette accessibilit\u00e9 permet \u00e0 chacun, selon ses moyens, <span class=\"s1\">d\u2019investir dans des <\/span>fonds d\u2019investissement de renom. C\u2019est une mani\u00e8re d\u2019entrer progressivement sur les march\u00e9s financiers sans devoir disposer d\u2019un capital cons\u00e9quent d\u00e8s le d\u00e9part.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-99192b4 e-flex e-con-boxed e-con e-parent\" data-id=\"99192b4\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a810197 elementor-widget elementor-widget-spacer\" data-id=\"a810197\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2da87e8 elementor-widget elementor-widget-heading\" data-id=\"2da87e8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Une fiscalit\u00e9 diff\u00e9rente de la banque<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c6c6ecc e-flex e-con-boxed e-con e-parent\" data-id=\"c6c6ecc\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5defda3 elementor-widget elementor-widget-spacer\" data-id=\"5defda3\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-186a758 elementor-widget elementor-widget-text-editor\" data-id=\"186a758\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">L\u2019un des grands atouts de l\u2019assurance placement par rapport \u00e0 la banque r\u00e9side dans son traitement fiscal. Pour un compte-titres ou un portefeuille bancaire classique, le capital investi n\u2019est pas tax\u00e9 \u00e0 l\u2019entr\u00e9e. En revanche, chaque revenu g\u00e9n\u00e9r\u00e9, qu\u2019il s\u2019agisse d\u2019int\u00e9r\u00eats, de dividendes, est soumis au pr\u00e9compte mobilier, g\u00e9n\u00e9ralement au taux de 30 %. \u00c0 cela s\u2019ajoute la taxe sur les op\u00e9rations de bourse (TOB), per\u00e7ue \u00e0 chaque achat ou vente d\u2019un instrument financier, ainsi qu\u2019une taxe annuelle de 0,15 % sur les comptes-titres dont la valeur moyenne d\u00e9passe un million d\u2019euros. Autrement dit, dans le cadre bancaire, la fiscalit\u00e9 s\u2019applique \u00e0 plusieurs moments de la vie du placement.<br \/><br \/><\/p><p class=\"p1\">Dans le cadre d\u2019une assurance placement, la logique est diff\u00e9rente. Une taxe unique de 2 % est per\u00e7ue sur les primes vers\u00e9es au moment de la souscription, mais ensuite, le contrat \u00e9volue dans un environnement fiscalement neutre. Aucun pr\u00e9compte mobilier, aucune TOB et aucune taxe sur les comptes-titres ne s\u2019appliquent durant la vie du contrat. Les revenus g\u00e9n\u00e9r\u00e9s restent investis et continuent de produire des rendements sans imposition interm\u00e9diaire.<br \/><br \/><\/p><p class=\"p1\">Autre avantage : les arbitrages, c\u2019est-\u00e0-dire les transferts entre diff\u00e9rents fonds \u00e0 l\u2019int\u00e9rieur du contrat, ne constituent pas des \u00e9v\u00e9nements fiscaux. L\u2019investisseur peut donc adapter la r\u00e9partition de son portefeuille sans g\u00e9n\u00e9rer de taxe. Ce n\u2019est qu\u2019en cas de rachat partiel ou total du contrat que l\u2019imposition peut intervenir, selon les r\u00e8gles propres \u00e0 chaque type de produit (branche 21 ou 23).<br \/><br \/><\/p><p class=\"p1\">Ce m\u00e9canisme permet de diff\u00e9rer la fiscalit\u00e9 et de b\u00e9n\u00e9ficier d\u2019un effet de capitalisation plus puissant sur le long terme. En r\u00e9sum\u00e9, la banque impose les revenus au fur et \u00e0 mesure, tandis que l\u2019assurance placement favorise la croissance continue du capital dans un cadre fiscal stable et pr\u00e9visible. Pour un investisseur \u00e0 la recherche d\u2019efficacit\u00e9 et de planification patrimoniale, cette diff\u00e9rence fait souvent toute la valeur du contrat d&rsquo;assurance.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-58c8103 e-flex e-con-boxed e-con e-parent\" data-id=\"58c8103\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8c38d8d elementor-widget elementor-widget-spacer\" data-id=\"8c38d8d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e82691e elementor-widget elementor-widget-heading\" data-id=\"e82691e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les principaux produits d\u2019assurance placement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a122b38 e-flex e-con-boxed e-con e-parent\" data-id=\"a122b38\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ee944f elementor-widget elementor-widget-spacer\" data-id=\"2ee944f\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1543455 elementor-widget elementor-widget-text-editor\" data-id=\"1543455\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">En Belgique, les contrats d\u2019assurance placement sont regroup\u00e9s en diff\u00e9rentes \u00ab\u00a0branches\u00a0\u00bb, chacune correspondant \u00e0 une logique d\u2019investissement et \u00e0 un cadre fiscal particulier.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-948a98f elementor-widget elementor-widget-spacer\" data-id=\"948a98f\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e0545c elementor-widget elementor-widget-heading\" data-id=\"9e0545c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">La branche 26 : l\u2019alternative au compte \u00e0 terme<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eeb6d61 e-flex e-con-boxed e-con e-parent\" data-id=\"eeb6d61\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e0a7ee3 elementor-widget elementor-widget-spacer\" data-id=\"e0a7ee3\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb4becb elementor-widget elementor-widget-text-editor\" data-id=\"cb4becb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"ul1\"><li class=\"li1\">Fonctionne comme un compte \u00e9pargne ou un compte \u00e0 terme.<br \/><br \/><\/li><li class=\"li1\">Placement 100 % garanti, avec possibilit\u00e9 d\u2019entrer et de sortir \u00e0 tout moment.<br \/><br \/><\/li><li class=\"li1\">Pas de taxe d\u2019entr\u00e9e, mais application du pr\u00e9compte mobilier sur les int\u00e9r\u00eats.<br \/><br \/><\/li><\/ul><p class=\"p2\">Certains contrats de branche 26 offrent actuellement des taux sup\u00e9rieurs \u00e0 ceux propos\u00e9s par les banques sur les comptes \u00e0 terme. Pour un \u00e9pargnant \u00e0 la recherche de s\u00e9curit\u00e9 et de liquidit\u00e9, la branche 26 peut donc repr\u00e9senter une alternative attractive.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0ebe29 elementor-widget elementor-widget-spacer\" data-id=\"d0ebe29\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3911c6 elementor-widget elementor-widget-heading\" data-id=\"f3911c6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">La branche 21 : la s\u00e9curit\u00e9 avec un horizon de long terme<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a5d61ab e-con-full e-flex e-con e-child\" data-id=\"a5d61ab\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a77a3ed elementor-widget elementor-widget-spacer\" data-id=\"a77a3ed\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26a1c49 elementor-widget elementor-widget-text-editor\" data-id=\"26a1c49\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"ul1\"><li class=\"li1\">Garantie du capital investi.<br \/><br \/><\/li><li class=\"li1\">Souvent accompagn\u00e9e d\u2019un rendement minimum garanti (par ex. 2 %), auquel peut s\u2019ajouter une participation b\u00e9n\u00e9ficiaire si la compagnie obtient de meilleures performances.<br \/><br \/><\/li><li class=\"li1\">Les int\u00e9r\u00eats acquis sont d\u00e9finitivement acquis : le capital ne peut pas diminuer au fil du temps.<br \/><br \/><\/li><\/ul><p class=\"p1\">Particularit\u00e9 fiscale :<br \/><br \/><\/p><ul class=\"ul1\"><li class=\"li1\">Une taxe d\u2019entr\u00e9e de 2 % est pr\u00e9lev\u00e9e.<br \/><br \/><\/li><li class=\"li1\">Pour b\u00e9n\u00e9ficier de l\u2019exon\u00e9ration de pr\u00e9compte mobilier, il faut conserver le contrat au minimum 8 ans et un jour.<br \/><br \/><\/li><li class=\"li1\">En cas de retrait anticip\u00e9, les gains sont soumis au pr\u00e9compte mobilier, comme en banque.<br \/><br \/><\/li><\/ul><p class=\"p2\">La branche 21 est donc un placement s\u00e9curis\u00e9 mais \u00e0 long terme, id\u00e9al pour ceux qui recherchent stabilit\u00e9 et visibilit\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-869a544 elementor-widget elementor-widget-spacer\" data-id=\"869a544\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c35763 elementor-widget elementor-widget-heading\" data-id=\"8c35763\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">La branche 23 : acc\u00e9der aux march\u00e9s financiers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19e6219 elementor-widget elementor-widget-spacer\" data-id=\"19e6219\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1b6bd4 elementor-widget elementor-widget-text-editor\" data-id=\"e1b6bd4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"ul1\"><li class=\"li1\">Fonctionne comme les fonds d\u2019investissement propos\u00e9s en banque.<br \/><br \/><\/li><li class=\"li1\">Aucun rendement garanti, ni garantie sur le capital.<br \/><br \/><\/li><li class=\"li1\">Large choix de fonds : actions, obligations, fonds mixtes, th\u00e9matiques, etc.<br \/><br \/><\/li><li class=\"li1\">Possibilit\u00e9 de composer un portefeuille diversifi\u00e9 au sein du contrat.<br \/><br \/><\/li><\/ul><p class=\"p2\">C\u2019est le produit le plus \u00ab\u00a0ouvert\u00a0\u00bb, adapt\u00e9 aux investisseurs qui acceptent une part de risque en \u00e9change d\u2019un potentiel de rendement sup\u00e9rieur. Diff\u00e9rence avec une banque : en assurance, on ne peut pas acheter directement des actions individuelles (ex. InBev ou LVMH). On investit uniquement via des fonds d\u00e9j\u00e0 constitu\u00e9s par des gestionnaires.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3118ba9 e-flex e-con-boxed e-con e-parent\" data-id=\"3118ba9\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a92dd3 elementor-widget elementor-widget-spacer\" data-id=\"5a92dd3\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28b1950 elementor-widget elementor-widget-heading\" data-id=\"28b1950\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les fonds d\u00e9di\u00e9s : la gestion sur mesure\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-921537d elementor-widget elementor-widget-spacer\" data-id=\"921537d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99a0645 elementor-widget elementor-widget-text-editor\" data-id=\"99a0645\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Pour les patrimoines plus importants, certaines compagnies proposent la cr\u00e9ation d\u2019un fonds d\u00e9di\u00e9. Il s\u2019agit d\u2019un contrat d\u2019assurance g\u00e9r\u00e9 directement par un gestionnaire de fortune choisi par l\u2019investisseur (par ex. une grande maison de gestion).<br \/><br \/><\/p><p class=\"p1\">Cela permet de combiner la souplesse d\u2019une gestion discr\u00e9tionnaire bancaire avec les avantages fiscaux de l\u2019assurance. C\u2019est une solution haut de gamme, r\u00e9serv\u00e9e \u00e0 des montants d\u2019investissement significatifs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f11e22 e-flex e-con-boxed e-con e-parent\" data-id=\"2f11e22\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5650c28 elementor-widget elementor-widget-spacer\" data-id=\"5650c28\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9eb514 elementor-widget elementor-widget-heading\" data-id=\"d9eb514\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">L\u2019aspect successoral : un avantage suppl\u00e9mentaire\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9552123 elementor-widget elementor-widget-spacer\" data-id=\"9552123\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6ab6f5 elementor-widget elementor-widget-text-editor\" data-id=\"e6ab6f5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">Un autre \u00e9l\u00e9ment distingue assurance et banque : en assurance, le contrat permet de d\u00e9signer directement un b\u00e9n\u00e9ficiaire en cas de d\u00e9c\u00e8s. En banque, les avoirs int\u00e8grent automatiquement la masse successorale et sont r\u00e9partis selon les r\u00e8gles l\u00e9gales ou testamentaires. En assurance, le preneur peut sp\u00e9cifier d\u00e8s le d\u00e9part qui recevra les fonds, ce qui offre une souplesse en mati\u00e8re de planification successorale. Sans entrer dans le d\u00e9tail juridique, il s\u2019agit d\u2019un outil appr\u00e9ci\u00e9 pour structurer la transmission d\u2019un patrimoine.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9615fda e-flex e-con-boxed e-con e-parent\" data-id=\"9615fda\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ffeec82 elementor-widget elementor-widget-spacer\" data-id=\"ffeec82\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-162da6f elementor-widget elementor-widget-heading\" data-id=\"162da6f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion : un outil compl\u00e9mentaire \u00e0 la banque<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cce3664 elementor-widget elementor-widget-spacer\" data-id=\"cce3664\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f18228 elementor-widget elementor-widget-text-editor\" data-id=\"9f18228\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">L\u2019assurance placement reste encore peu connue en Belgique, contrairement \u00e0 d\u2019autres pays comme la France o\u00f9 elle est tr\u00e8s r\u00e9pandue. Pourtant, elle constitue une alternative solide et compl\u00e9mentaire aux investissements bancaires.<br \/><br \/><\/p><p class=\"p2\">En r\u00e9sum\u00e9 :<br \/><br \/><\/p><ul class=\"ul1\"><li class=\"li2\"><b>Branche 26<\/b> : souplesse et s\u00e9curit\u00e9, proche d\u2019un compte \u00e0 terme.<br \/><br \/><\/li><li class=\"li2\"><b>Branche 21<\/b> : s\u00e9curit\u00e9 avec un horizon long terme (8 ans minimum).<br \/><br \/><\/li><li class=\"li2\"><b>Branche 23<\/b> : exposition aux march\u00e9s financiers, sans garantie.<br \/><br \/><\/li><li class=\"li2\"><b>Fonds d\u00e9di\u00e9s<\/b> : gestion sur mesure pour les patrimoines importants.<br \/><br \/><\/li><\/ul><p class=\"p1\">\u00c0 cela s\u2019ajoutent des avantages fiscaux et successoraux qui m\u00e9ritent d\u2019\u00eatre pris en compte dans toute strat\u00e9gie patrimoniale. Placer via une assurance, ce n\u2019est pas \u00ab\u00a0s\u2019assurer\u00a0\u00bb, mais bien investir diff\u00e9remment, avec des outils qui peuvent, selon les objectifs, compl\u00e9ter efficacement les solutions bancaires traditionnelles.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0c005cb e-con-full e-flex e-con e-child\" data-id=\"0c005cb\" data-element_type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8a732c3 elementor-widget elementor-widget-spacer\" data-id=\"8a732c3\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c1899b elementor-widget elementor-widget-text-editor\" data-id=\"5c1899b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>D\u00e9couvrez les autres articles sur notre page <a href=\"https:\/\/www.linkedin.com\/company\/wellfin\/\" target=\"_blank\" rel=\"noopener\">Linkedin<\/a> ou sur <a href=\"https:\/\/www.wellfin.be\/fr\/actualites\/\">notre site web<\/a> !\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d9ee3da elementor-widget elementor-widget-spacer\" data-id=\"d9ee3da\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>R\u00e9duction des droits d&rsquo;enregistrement pour l&rsquo;acquisition d&rsquo;une habitation principale en R\u00e9gion Wallonne.<\/p>\n","protected":false},"author":1,"featured_media":6822,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[26,36],"tags":[],"class_list":["post-6817","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conseils","category-mobilier"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - 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