{"id":9609,"date":"2025-02-23T23:27:07","date_gmt":"2025-02-23T15:27:07","guid":{"rendered":"https:\/\/doolounge.com\/tax-free-investment\/"},"modified":"2025-03-15T00:01:13","modified_gmt":"2025-03-14T16:01:13","slug":"tax-free-investment","status":"publish","type":"post","link":"https:\/\/doolounge.com\/fr\/tax-free-investment\/","title":{"rendered":"L\u2019assurance de type investissement est-elle exon\u00e9r\u00e9e d\u2019imp\u00f4t ?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<span class=\"embed-youtube\" style=\"text-align:center; display: block;\"><iframe loading=\"lazy\" class=\"youtube-player\" width=\"1290\" height=\"726\" src=\"https:\/\/www.youtube.com\/embed\/_rlFJTaBdJw?version=3&#038;rel=1&#038;showsearch=0&#038;showinfo=1&#038;iv_load_policy=1&#038;fs=1&#038;hl=fr-FR&#038;autohide=2&#038;wmode=transparent\" allowfullscreen=\"true\" style=\"border:0;\" sandbox=\"allow-scripts allow-same-origin allow-popups allow-presentation allow-popups-to-escape-sandbox\"><\/iframe><\/span>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous \u00eates une personne occup\u00e9e et que vous utilisez souvent vos fonds suppl\u00e9mentaires pour investir dans des ETF d&#039;actions, vous avez s\u00fbrement souvent entendu les agents d&#039;assurance autour de vous vous dire : \u00ab Pourquoi ne pas plut\u00f4t souscrire une assurance investissement chez moi ? Au moins, vous \u00e9viterez d&#039;\u00eatre impos\u00e9. \u00bb<br><br>Mais est-il vraiment vrai, comme l\u2019a dit l\u2019agent d\u2019assurance, que si j\u2019ach\u00e8te plut\u00f4t une assurance de type investissement, je ne serai pas du tout impos\u00e9 ?<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"1024\" src=\"https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-576x1024.jpg\" alt=\"\" class=\"wp-image-9608\" srcset=\"https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-576x1024.jpg 576w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-169x300.jpg 169w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-768x1365.jpg 768w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-864x1536.jpg 864w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-7x12.jpg 7w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330.jpg 1013w\" sizes=\"auto, (max-width: 576px) 100vw, 576px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Le traitement fiscal des assurances de type investissement est certes diff\u00e9rent de celui des actions ou des ETF en g\u00e9n\u00e9ral, mais il n&#039;est pas totalement exon\u00e9r\u00e9 d&#039;imp\u00f4t. Cela d\u00e9pend des circonstances :<br><br>1. Appr\u00e9ciation de l\u2019investissement dans le cadre de la police :<br><br>Dans le compte d&#039;une police d&#039;assurance de type investissement, les actifs ne seront pas impos\u00e9s pendant la p\u00e9riode d&#039;appr\u00e9ciation, qui est li\u00e9e au fonctionnement du fonds au sein du compte d&#039;assurance.<br><br>Si les dividendes sont conserv\u00e9s dans la police et non retir\u00e9s, ils ne seront pas impos\u00e9s.<br><br>2. R\u00e9siliation ou retrait partiel :<br><br>Si vous r\u00e9siliez le contrat ou effectuez un retrait partiel et que le montant du retrait d\u00e9passe les primes vers\u00e9es, le montant exc\u00e9dentaire sera consid\u00e9r\u00e9 comme un \u00ab gain \u00bb et devra \u00eatre inclus dans la d\u00e9claration de revenus des particuliers.<br><br>D&#039;une mani\u00e8re g\u00e9n\u00e9rale, le montant exc\u00e9dentaire sera impos\u00e9 \u00e0 un taux allant de 6% \u00e0 40%, en fonction de la tranche d&#039;imposition sur le revenu global de l&#039;individu.<br><br>3. R\u00e9clamation en cas de d\u00e9c\u00e8s :<br><br>Les prestations de d\u00e9c\u00e8s des polices d\u2019assurance de type investissement ne sont g\u00e9n\u00e9ralement pas imposables, mais si le montant total de la succession d\u00e9passe le montant non imposable, il sera toujours inclus dans l\u2019imp\u00f4t sur les successions.<br><br>4. Diff\u00e9rences dans la fiscalit\u00e9 des dividendes des ETF :<br><br>Si vous d\u00e9tenez directement des ETF d&#039;actions ta\u00efwanaises, les dividendes que vous recevrez seront consid\u00e9r\u00e9s comme des revenus de dividendes et devront \u00eatre inclus dans votre imp\u00f4t sur le revenu global des particuliers. Les taux d&#039;imposition 28% ou 30% s&#039;appliqueront.<br><br>Si vous investissez indirectement dans des ETF par le biais d\u2019une police d\u2019investissement, les dividendes ne sont pas vers\u00e9s directement aux assur\u00e9s, mais sont report\u00e9s dans la police et ne sont donc pas impos\u00e9s imm\u00e9diatement.<br><br>Par cons\u00e9quent, les assurances de type investissement ne sont pas enti\u00e8rement exon\u00e9r\u00e9es d\u2019imp\u00f4t, mais la charge fiscale est report\u00e9e jusqu\u2019\u00e0 la r\u00e9siliation du contrat ou le retrait de l\u2019assurance.<br><br>Si l\u2019objectif est l\u2019appr\u00e9ciation des actifs \u00e0 long terme, il y a effectivement un effet de report d\u2019imp\u00f4t, mais si des retraits ou des r\u00e9siliations de contrat sont effectu\u00e9s fr\u00e9quemment, il y aura toujours des co\u00fbts fiscaux.<br><br>Quant \u00e0 la fa\u00e7on d&#039;\u00e9viter d&#039;\u00eatre impos\u00e9, il y a des questions li\u00e9es \u00e0 la qualit\u00e9 d&#039;investissement et \u00e0 la fa\u00e7on de retirer les b\u00e9n\u00e9fices afin que l&#039;assurance de type investissement puisse \u00eatre r\u00e9ellement exon\u00e9r\u00e9e d&#039;imp\u00f4t. Je vous en parlerai plus tard.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<span class=\"embed-youtube\" style=\"text-align:center; display: block;\"><iframe loading=\"lazy\" class=\"youtube-player\" width=\"1290\" height=\"726\" src=\"https:\/\/www.youtube.com\/embed\/M9vHGrlsrBA?version=3&#038;rel=1&#038;showsearch=0&#038;showinfo=1&#038;iv_load_policy=1&#038;fs=1&#038;hl=fr-FR&#038;autohide=2&#038;wmode=transparent\" allowfullscreen=\"true\" style=\"border:0;\" sandbox=\"allow-scripts allow-same-origin allow-popups allow-presentation allow-popups-to-escape-sandbox\"><\/iframe><\/span>\n<\/div><\/figure>","protected":false},"excerpt":{"rendered":"<p>L\u2019assurance de type investissement n\u2019est pas totalement exon\u00e9r\u00e9e d\u2019imp\u00f4t, mais elle b\u00e9n\u00e9ficie de l\u2019avantage du report d\u2019imp\u00f4t.<\/p>\n<p>Pendant le fonctionnement interne de la police, l&#039;appr\u00e9ciation des actifs et les dividendes ne sont pas impos\u00e9s, mais si la police est r\u00e9sili\u00e9e ou partiellement retir\u00e9e, les gains exc\u00e9dant les primes vers\u00e9es doivent \u00eatre inclus dans la d\u00e9claration d&#039;imp\u00f4t sur le revenu des particuliers.<\/p>\n<p>Le produit du capital d\u00e9c\u00e8s est g\u00e9n\u00e9ralement exon\u00e9r\u00e9 d\u2019imp\u00f4t, mais si la succession d\u00e9passe le montant exon\u00e9r\u00e9 d\u2019imp\u00f4t, elle est toujours soumise \u00e0 l\u2019imp\u00f4t sur les successions.<\/p>\n<p>Par rapport \u00e0 la d\u00e9tention directe d\u2019ETF, les politiques d\u2019investissement peuvent diff\u00e9rer l\u2019imposition et conviennent \u00e0 la r\u00e9partition des actifs \u00e0 long terme, mais les retraits fr\u00e9quents ont toujours des co\u00fbts fiscaux.<\/p>","protected":false},"author":2,"featured_media":9608,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"activitypub_content_warning":null,"activitypub_content_visibility":"","activitypub_max_image_attachments":4,"activitypub_interaction_policy_quote":"anyone","activitypub_status":"federated","footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false,"beyondwords_generate_audio":"","beyondwords_project_id":"","beyondwords_content_id":"","beyondwords_player_style":"","beyondwords_language_id":"","beyondwords_title_voice_id":"","beyondwords_body_voice_id":"","beyondwords_summary_voice_id":"","beyondwords_error_message":"","beyondwords_disabled":"","beyondwords_delete_content":"","beyondwords_podcast_id":"","beyondwords_hash":"","publish_post_to_speechkit":"","speechkit_hash":"","speechkit_generate_audio":"","speechkit_project_id":"","speechkit_podcast_id":"","speechkit_error_message":"","speechkit_disabled":"","speechkit_access_key":"","speechkit_error":"","speechkit_info":"","speechkit_response":"","speechkit_retries":"","speechkit_updated_at":"","_speechkit_link":"","_speechkit_text":""},"categories":[70,860,817],"tags":[861,776,849,820],"class_list":["post-9609","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-savemoney","category-insurance","category-money","tag-861","tag-776","tag-849","tag-820"],"blocksy_meta":[],"featured_image_urls":{"full":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330.jpg",1013,1800,false],"thumbnail":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-150x150.jpg",150,150,true],"medium":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-169x300.jpg",169,300,true],"medium_large":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-768x1365.jpg",768,1365,true],"large":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-576x1024.jpg",576,1024,true],"1536x1536":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-864x1536.jpg",864,1536,true],"2048x2048":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330.jpg",1013,1800,false],"trp-custom-language-flag":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/02\/fb_img_17403243104361826788189117676330-7x12.jpg",7,12,true]},"post_excerpt_stackable":"<p>\u6295\u8cc7\u578b\u4fdd\u96aa\u4e26\u975e\u5b8c\u5168\u514d\u7a05\uff0c\u800c\u662f\u4eab\u6709\u7a05\u52d9\u905e\u5ef6\u7684\u512a\u52e2\u3002<\/p>\n<p>\u5728\u4fdd\u55ae\u5167\u90e8\u904b\u4f5c\u671f\u9593\uff0c\u8cc7\u7522\u589e\u503c\u8207\u914d\u606f\u4e0d\u8ab2\u7a05\uff0c\u4f46\u82e5\u89e3\u7d04\u6216\u90e8\u5206\u63d0\u9818\uff0c\u8d85\u904e\u5df2\u7e73\u4fdd\u8cbb\u7684\u5229\u5f97\u9700\u7d0d\u5165\u500b\u4eba\u7d9c\u5408\u6240\u5f97\u7a05\u7533\u5831\u3002<\/p>\n<p>\u8eab\u6545\u4fdd\u96aa\u91d1\u901a\u5e38\u514d\u7a05\uff0c\u4f46\u82e5\u907a\u7522\u8d85\u904e\u514d\u7a05\u984d\uff0c\u4ecd\u7d0d\u5165\u907a\u7522\u7a05\u7bc4\u7587\u3002<\/p>\n<p>\u8207\u76f4\u63a5\u6301\u6709 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