This is true even with a small payment of a few hundred euros
Posted: Thu Jan 23, 2025 8:48 am
First, the euro fund has no risk of capital loss (guaranteed capital). In return, its return is low. Then, you can invest in real estate funds such as SCPI (real estate investment company) via life insurance units of account (UC). SCPIs allow you to invest in a diversified real estate portfolio and receive rent without the constraints of the lessor (works, rental management, etc.). Thus, SCPIs in life insurance have an average return of between 4% and 7% per year. Also, the risk is moderate with a possibility of capital loss.
Then, within the life insurance germany phone number list account units, you can invest in equity funds such as ETFs (exchange traded funds) . ETFs (or trackers) are passive equity funds that replicate an index such as the CAC 40 or the NASDAQ or the ETF World (invested in the 1,500 largest companies in the world). Thus, in life insurance, equity funds have a medium or high risk with the possibility of losing your capital . In exchange, the return on equity funds is high (annualized performance of 7% on average on the world equity market). Life insurance taxation The taxation of withdrawals (redemptions) from life insurance is particularly advantageous after 8 years of ownership .
In fact, you are exempt from income tax up to €4,600 per person on your earnings (or €9,200 for a married/civil partnership couple). This is why we recommend that you "make a date" as soon as possible. And . Beyond this reduction, for your payments after September 27, 2017, you are subject to a maximum flat tax on your earnings, i.e. 30%. Optimizing your estate with life insurance Life insurance allows you to optimize your estate by designating beneficiaries who benefit from tax deductions .
Then, within the life insurance germany phone number list account units, you can invest in equity funds such as ETFs (exchange traded funds) . ETFs (or trackers) are passive equity funds that replicate an index such as the CAC 40 or the NASDAQ or the ETF World (invested in the 1,500 largest companies in the world). Thus, in life insurance, equity funds have a medium or high risk with the possibility of losing your capital . In exchange, the return on equity funds is high (annualized performance of 7% on average on the world equity market). Life insurance taxation The taxation of withdrawals (redemptions) from life insurance is particularly advantageous after 8 years of ownership .
In fact, you are exempt from income tax up to €4,600 per person on your earnings (or €9,200 for a married/civil partnership couple). This is why we recommend that you "make a date" as soon as possible. And . Beyond this reduction, for your payments after September 27, 2017, you are subject to a maximum flat tax on your earnings, i.e. 30%. Optimizing your estate with life insurance Life insurance allows you to optimize your estate by designating beneficiaries who benefit from tax deductions .