{"id":900,"date":"2024-05-12T10:17:24","date_gmt":"2024-05-12T08:17:24","guid":{"rendered":"http:\/\/astrapg.cluster030.hosting.ovh.net\/?page_id=900"},"modified":"2025-08-20T20:26:40","modified_gmt":"2025-08-20T18:26:40","slug":"chef-dentreprise","status":"publish","type":"page","link":"https:\/\/astra-patrimoine.fr\/index.php\/chef-dentreprise\/","title":{"rendered":"Chef d&rsquo;entreprise"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"900\" class=\"elementor elementor-900\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a97bef1 e-flex e-con-boxed e-con e-parent\" data-id=\"a97bef1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f05e531 elementor-widget elementor-widget-image\" data-id=\"f05e531\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img  title=\"\" alt=\"\" fetchpriority=\"high\" decoding=\"async\" width=\"350\" height=\"280\" src=\"https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2020\/07\/8ddb0b78-blog-2.jpg\" class=\"attachment-large size-large wp-image-4611\" alt=\"\" srcset=\"https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2020\/07\/8ddb0b78-blog-2.jpg 350w, https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2020\/07\/8ddb0b78-blog-2-300x240.jpg 300w\" sizes=\"(max-width: 350px) 100vw, 350px\" \/>\t\t\t\t\t\t\t\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-3fa556c e-flex e-con-boxed e-con e-parent\" data-id=\"3fa556c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e383b09 elementor-widget elementor-widget-heading\" data-id=\"e383b09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Chef d\u2019entreprise : d\u00e9veloppez et s\u00e9curisez votre patrimoine professionnel et personnel\n<\/h1>\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-0c8f00d e-flex e-con-boxed e-con e-parent\" data-id=\"0c8f00d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6cf2aab elementor-widget elementor-widget-html\" data-id=\"6cf2aab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1>Accompagnement des Chefs d\u2019Entreprise \u00e0 Reims : valorisez votre patrimoine professionnel<\/h1>\r\n\r\n<p>Le patrimoine d\u2019un chef d\u2019entreprise d\u00e9bute d\u00e8s la cr\u00e9ation ou la reprise de son activit\u00e9. Il \u00e9volue avec le temps pour structurer un capital professionnel, s\u00e9curiser l\u2019activit\u00e9 ou pr\u00e9parer la transmission. Ce patrimoine, compos\u00e9 de droits et devoirs, nourrit l\u2019\u00e9conomie et participe \u00e0 la croissance de votre territoire. Mal g\u00e9r\u00e9, il peut devenir un frein \u00e0 votre d\u00e9veloppement.<\/p>\r\n\r\n<p>Chez <strong>ASTRA Patrimoine<\/strong>, nous analysons, optimisons et d\u00e9veloppons votre patrimoine dans une relation de confiance durable.<\/p>\r\n\r\n<h2>Un patrimoine d\u2019entreprise, c\u2019est quoi ?<\/h2>\r\n<p>Il inclut tous les actifs li\u00e9s \u00e0 votre activit\u00e9 :<\/p>\r\n<ul>\r\n  <li>Biens immobiliers professionnels.<\/li>\r\n  <li>Mat\u00e9riel, stocks, fonds de commerce.<\/li>\r\n  <li>Tr\u00e9sorerie d\u2019entreprise et contrats d\u2019\u00e9pargne collective.<\/li>\r\n  <li>Actifs financiers et parts dans des structures juridiques.<\/li>\r\n<\/ul>\r\n\r\n<h2>Pourquoi analyser ce patrimoine ?<\/h2>\r\n<p>Sans suivi, des risques apparaissent :<\/p>\r\n<ul>\r\n  <li>Patrimoine majoritairement li\u00e9 \u00e0 l\u2019activit\u00e9 mais mal optimis\u00e9.<\/li>\r\n  <li>Absence de protection personnelle face aux al\u00e9as.<\/li>\r\n  <li>Fiscalit\u00e9 lourde et inefficace.<\/li>\r\n<\/ul>\r\n<p>L\u2019analyse permet de :<\/p>\r\n<ul>\r\n  <li>Mesurer votre patrimoine global.<\/li>\r\n  <li>Identifier les leviers d\u2019optimisation fiscale et sociale.<\/li>\r\n  <li>Pr\u00e9parer une transmission adapt\u00e9e (ex. d\u00e9membrement, donation).<\/li>\r\n<\/ul>\r\n\r\n<h2>Notre d\u00e9marche sur mesure<\/h2>\r\n<p>Nous privil\u00e9gions une approche structur\u00e9e :<\/p>\r\n<ul>\r\n  <li><strong>Analyser<\/strong> votre patrimoine global (<a href=\"https:\/\/astra-patrimoine.fr\/index.php\/actif\/\">Actif<\/a>).<\/li>\r\n  <li><strong>Structurer<\/strong> vos biens pour optimiser fiscalit\u00e9 et protection.<\/li>\r\n  <li><strong>Optimiser<\/strong> vos placements financiers (<a href=\"https:\/\/astra-patrimoine.fr\/index.php\/placement-financier\/\">Placements<\/a>) et votre fiscalit\u00e9 (<a href=\"https:\/\/astra-patrimoine.fr\/index.php\/analyse-fiscale\/\">Analyse fiscale<\/a>).<\/li>\r\n  <li><strong>Transmettre<\/strong> vos biens professionnels efficacement (<a href=\"https:\/\/astra-patrimoine.fr\/index.php\/transmission-patrimoine\/\">Transmission<\/a>).<\/li>\r\n  <li><strong>Suivre<\/strong> r\u00e9guli\u00e8rement l\u2019\u00e9volution de votre patrimoine et des r\u00e9glementations.<\/li>\r\n<\/ul>\r\n\r\n<h2>Les + ASTRA Patrimoine<\/h2>\r\n<ul>\r\n  <li>Expertise globale : fiscale, civile et financi\u00e8re.<\/li>\r\n  <li>Relation personnalis\u00e9e et durable.<\/li>\r\n  <li>Optimisation entre patrimoine professionnel et personnel.<\/li>\r\n<\/ul>\r\n\r\n<p>Faire appel \u00e0 ASTRA Patrimoine, c\u2019est garantir un pilotage sur mesure, structur\u00e9 dans la dur\u00e9e pour prot\u00e9ger votre quotidien et pr\u00e9parer votre avenir.<\/p>\r\n\r\n<p>Pour des informations officielles, consultez la <a href=\"https:\/\/www.banque-france.fr\/\" target=\"_blank\" rel=\"noopener\">Banque de France<\/a>.<\/p>\r\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-1621297 e-flex e-con-boxed e-con e-parent\" data-id=\"1621297\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0dc70bf e-con-full e-flex e-con e-child\" data-id=\"0dc70bf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a588634 elementor-widget elementor-widget-n-accordion\" data-id=\"a588634\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1730\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1730\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Optimiser la Tr\u00e9sorerie d\u2019Entreprise <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1730\" class=\"elementor-element elementor-element-f9b2c3e e-flex e-con-boxed e-con e-child\" data-id=\"f9b2c3e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1730\" class=\"elementor-element elementor-element-bc5e47c e-con-full e-flex e-con e-child\" data-id=\"bc5e47c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f6c82d6 elementor-widget elementor-widget-text-editor\" data-id=\"f6c82d6\" data-element_type=\"widget\" data-e-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<h1 data-start=\"271\" data-end=\"371\">Optimiser la Tr\u00e9sorerie d\u2019Entreprise : Transformez une ressource dormante en levier de performance<\/h1><p data-start=\"373\" data-end=\"689\">La tr\u00e9sorerie d\u2019entreprise, souvent per\u00e7ue comme un simple matelas de s\u00e9curit\u00e9, peut devenir un <strong data-start=\"469\" data-end=\"514\">v\u00e9ritable outil de performance financi\u00e8re<\/strong> si elle est bien g\u00e9r\u00e9e. Que vous soyez dirigeant de PME ou responsable financier, transformer une tr\u00e9sorerie exc\u00e9dentaire en source de rendement est un <strong data-start=\"667\" data-end=\"688\">enjeu strat\u00e9gique<\/strong>.<\/p><p data-start=\"691\" data-end=\"869\">Chez <strong data-start=\"696\" data-end=\"716\">ASTRA Patrimoine<\/strong>, nous accompagnons les entreprises dans la valorisation de leur tr\u00e9sorerie \u00e0 travers des solutions personnalis\u00e9es, s\u00e9curis\u00e9es et fiscalement optimis\u00e9es.<\/p><hr data-start=\"871\" data-end=\"874\" \/><h2 data-start=\"876\" data-end=\"931\">Pourquoi optimiser la tr\u00e9sorerie de son entreprise ?<\/h2><p data-start=\"933\" data-end=\"967\">Une tr\u00e9sorerie bien g\u00e9r\u00e9e permet :<\/p><ul data-start=\"968\" data-end=\"1213\"><li data-start=\"968\" data-end=\"1024\"><p data-start=\"970\" data-end=\"1024\">D\u2019assurer la <strong data-start=\"983\" data-end=\"1007\">stabilit\u00e9 financi\u00e8re<\/strong> de l\u2019entreprise,<\/p><\/li><li data-start=\"1025\" data-end=\"1100\"><p data-start=\"1027\" data-end=\"1100\">De <strong data-start=\"1030\" data-end=\"1061\">limiter les co\u00fbts bancaires<\/strong> (agios, d\u00e9couverts, frais de gestion),<\/p><\/li><li data-start=\"1101\" data-end=\"1213\"><p data-start=\"1103\" data-end=\"1213\">Et surtout, de <strong data-start=\"1118\" data-end=\"1145\">valoriser les exc\u00e9dents<\/strong> via des placements intelligents, adapt\u00e9s au profil de l\u2019entreprise.<\/p><\/li><\/ul><p data-start=\"1215\" data-end=\"1343\">Ne pas agir, c\u2019est <strong data-start=\"1234\" data-end=\"1264\">laisser de l\u2019argent dormir<\/strong>, dans un contexte inflationniste qui \u00e9rode la valeur r\u00e9elle de vos liquidit\u00e9s.<\/p><hr data-start=\"1345\" data-end=\"1348\" \/><h2 data-start=\"1350\" data-end=\"1400\">1. Les fondamentaux de la gestion de tr\u00e9sorerie<\/h2><h3 data-start=\"1402\" data-end=\"1440\">\ud83d\udd04 Ma\u00eetrise des flux de tr\u00e9sorerie<\/h3><p data-start=\"1441\" data-end=\"1511\">Piloter les <strong data-start=\"1453\" data-end=\"1487\">encaissements et d\u00e9caissements<\/strong> est la premi\u00e8re \u00e9tape :<\/p><ul data-start=\"1512\" data-end=\"1663\"><li data-start=\"1512\" data-end=\"1554\"><p data-start=\"1514\" data-end=\"1554\">Relancer rapidement les impay\u00e9s clients,<\/p><\/li><li data-start=\"1555\" data-end=\"1601\"><p data-start=\"1557\" data-end=\"1601\">N\u00e9gocier des d\u00e9lais fournisseurs favorables,<\/p><\/li><li data-start=\"1602\" data-end=\"1663\"><p data-start=\"1604\" data-end=\"1663\">\u00c9viter les p\u00e9riodes de d\u00e9couvert en anticipant les besoins.<\/p><\/li><\/ul><h3 data-start=\"1665\" data-end=\"1695\">\ud83d\udcca Pr\u00e9vision de tr\u00e9sorerie<\/h3><p data-start=\"1696\" data-end=\"1777\">Des outils de projection permettent d\u2019anticiper les creux ou pics de tr\u00e9sorerie :<\/p><ul data-start=\"1778\" data-end=\"1856\"><li data-start=\"1778\" data-end=\"1797\"><p data-start=\"1780\" data-end=\"1797\">Tableaux de bord,<\/p><\/li><li data-start=\"1798\" data-end=\"1831\"><p data-start=\"1800\" data-end=\"1831\">Logiciels de gestion comptable,<\/p><\/li><li data-start=\"1832\" data-end=\"1856\"><p data-start=\"1834\" data-end=\"1856\">Accompagnement expert.<\/p><\/li><\/ul><p data-start=\"1858\" data-end=\"1966\">Ces outils favorisent une <strong data-start=\"1884\" data-end=\"1905\">d\u00e9cision \u00e9clair\u00e9e<\/strong> sur les montants disponibles \u00e0 investir et sur quelle dur\u00e9e.<\/p><hr data-start=\"1968\" data-end=\"1971\" \/><h2 data-start=\"1973\" data-end=\"2023\">2. Que faire de votre tr\u00e9sorerie exc\u00e9dentaire ?<\/h2><p data-start=\"2025\" data-end=\"2223\">Il est strat\u00e9gique de placer les exc\u00e9dents de tr\u00e9sorerie sur des supports permettant \u00e0 la fois <strong data-start=\"2120\" data-end=\"2156\">rendement, s\u00e9curit\u00e9 et liquidit\u00e9<\/strong>. Voici les solutions que nous recommandons selon votre situation :<\/p><h3 data-start=\"2225\" data-end=\"2259\">\ud83c\udfe2 SCPI en usufruit temporaire<\/h3><p data-start=\"2260\" data-end=\"2516\">L\u2019entreprise ach\u00e8te des <strong data-start=\"2284\" data-end=\"2313\">parts de<a href=\"https:\/\/astra-patrimoine.fr\/index.php\/scpi\/\"> SCPI<\/a> en usufruit<\/strong> pour une dur\u00e9e d\u00e9termin\u00e9e (3 \u00e0 10 ans en g\u00e9n\u00e9ral) \u00e0 une <strong data-start=\"2370\" data-end=\"2390\">fraction du prix<\/strong> (ex : 20 % de la valeur en pleine propri\u00e9t\u00e9 sur 5 ans). En contrepartie, elle per\u00e7oit <strong data-start=\"2477\" data-end=\"2515\">l\u2019int\u00e9gralit\u00e9 des revenus locatifs<\/strong>.<\/p><p data-start=\"2518\" data-end=\"2533\"><strong data-start=\"2518\" data-end=\"2533\">Avantages :<\/strong><\/p><ul data-start=\"2534\" data-end=\"2665\"><li data-start=\"2534\" data-end=\"2574\"><p data-start=\"2536\" data-end=\"2574\">Rendement attractif (5 \u00e0 7 % brut\/an),<\/p><\/li><li data-start=\"2575\" data-end=\"2635\"><p data-start=\"2577\" data-end=\"2635\">D\u00e9ductibilit\u00e9 comptable de l\u2019usufruit (via amortissement),<\/p><\/li><li data-start=\"2636\" data-end=\"2665\"><p data-start=\"2638\" data-end=\"2665\">Aucune gestion immobili\u00e8re.<\/p><\/li><\/ul><p data-start=\"2667\" data-end=\"2746\">Id\u00e9al pour les <strong data-start=\"2682\" data-end=\"2704\">entreprises \u00e0 l\u2019IS<\/strong> avec des exc\u00e9dents de tr\u00e9sorerie stables.<\/p><h3 data-start=\"2748\" data-end=\"2779\">\ud83d\udcc8 Compte-titres entreprise<\/h3><p data-start=\"2780\" data-end=\"2851\">Le <a href=\"https:\/\/www.amf-france.org\/fr\/espace-epargnants\/comprendre-les-produits-financiers\/supports-dinvestissement\/compte-titres\"><strong data-start=\"2783\" data-end=\"2800\">compte-titres<\/strong><\/a> permet d\u2019acc\u00e9der \u00e0 une large gamme de placements :<\/p><ul data-start=\"2852\" data-end=\"2941\"><li data-start=\"2852\" data-end=\"2887\"><p data-start=\"2854\" data-end=\"2887\">OPCVM mon\u00e9taires ou obligataires,<\/p><\/li><li data-start=\"2888\" data-end=\"2911\"><p data-start=\"2890\" data-end=\"2911\">Actions \u00e0 dividendes,<\/p><\/li><li data-start=\"2912\" data-end=\"2941\"><p data-start=\"2914\" data-end=\"2941\">Fonds structur\u00e9s d\u00e9fensifs.<\/p><\/li><\/ul><p data-start=\"2943\" data-end=\"3064\">C\u2019est un outil flexible pour piloter activement votre tr\u00e9sorerie exc\u00e9dentaire avec une <strong data-start=\"3030\" data-end=\"3063\">gestion pilot\u00e9e ou conseill\u00e9e<\/strong>.<\/p><h3 data-start=\"3066\" data-end=\"3103\">\u2699\ufe0f Produits structur\u00e9s sur mesure<\/h3><p data-start=\"3104\" data-end=\"3155\">Les <strong data-start=\"3108\" data-end=\"3131\">produits structur\u00e9s<\/strong> permettent de d\u00e9finir :<\/p><ul data-start=\"3156\" data-end=\"3280\"><li data-start=\"3156\" data-end=\"3197\"><p data-start=\"3158\" data-end=\"3197\">Un niveau de <strong data-start=\"3171\" data-end=\"3196\">protection du capital<\/strong>,<\/p><\/li><li data-start=\"3198\" data-end=\"3237\"><p data-start=\"3200\" data-end=\"3237\">Une <strong data-start=\"3204\" data-end=\"3226\">dur\u00e9e de placement<\/strong> ma\u00eetris\u00e9e,<\/p><\/li><li data-start=\"3238\" data-end=\"3280\"><p data-start=\"3240\" data-end=\"3280\">Un <strong data-start=\"3243\" data-end=\"3279\">rendement potentiel conditionnel<\/strong>.<\/p><\/li><\/ul><p data-start=\"3282\" data-end=\"3398\">Ils peuvent s\u2019adapter \u00e0 une strat\u00e9gie prudente, d\u00e9fensive ou opportuniste selon le profil de risque de l\u2019entreprise.<\/p><hr data-start=\"3400\" data-end=\"3403\" \/><h2 data-start=\"3405\" data-end=\"3462\">3. Adapter sa strat\u00e9gie \u00e0 son profil et \u00e0 sa fiscalit\u00e9<\/h2><p data-start=\"3464\" data-end=\"3535\">Avant d\u2019investir une tr\u00e9sorerie d\u2019entreprise, il est indispensable de :<\/p><ul data-start=\"3536\" data-end=\"3754\"><li data-start=\"3536\" data-end=\"3621\"><p data-start=\"3538\" data-end=\"3621\">D\u00e9finir <strong data-start=\"3546\" data-end=\"3572\">l\u2019horizon de placement<\/strong> (liquidit\u00e9s disponibles sur combien de temps ?),<\/p><\/li><li data-start=\"3622\" data-end=\"3675\"><p data-start=\"3624\" data-end=\"3675\">\u00c9valuer la <strong data-start=\"3635\" data-end=\"3658\">tol\u00e9rance au risque<\/strong> de l\u2019entreprise,<\/p><\/li><li data-start=\"3676\" data-end=\"3754\"><p data-start=\"3678\" data-end=\"3754\">Tenir compte de la <strong data-start=\"3697\" data-end=\"3731\">structure juridique et fiscale<\/strong> (IS, SCI, holding&#8230;).<\/p><\/li><\/ul><p data-start=\"3756\" data-end=\"3901\">\ud83d\udc49 Chez ASTRA Patrimoine, nous structurons des solutions sur mesure, en nous appuyant sur notre double expertise : <strong data-start=\"3871\" data-end=\"3885\">financi\u00e8re<\/strong> et <strong data-start=\"3889\" data-end=\"3900\">fiscale<\/strong>.<\/p><hr data-start=\"3903\" data-end=\"3906\" \/><h2 data-start=\"3908\" data-end=\"3971\">En conclusion : faites travailler votre tr\u00e9sorerie pour vous<\/h2><p data-start=\"3973\" data-end=\"4118\">Optimiser la tr\u00e9sorerie de son entreprise ne se limite pas \u00e0 \u00e9viter les d\u00e9couverts. C\u2019est un <strong data-start=\"4066\" data-end=\"4101\">v\u00e9ritable levier de performance<\/strong>, qui permet de :<\/p><ul data-start=\"4119\" data-end=\"4241\"><li data-start=\"4119\" data-end=\"4161\"><p data-start=\"4121\" data-end=\"4161\">G\u00e9n\u00e9rer des <strong data-start=\"4133\" data-end=\"4160\">revenus compl\u00e9mentaires<\/strong>,<\/p><\/li><li data-start=\"4162\" data-end=\"4185\"><p data-start=\"4164\" data-end=\"4185\">All\u00e9ger la fiscalit\u00e9,<\/p><\/li><li data-start=\"4186\" data-end=\"4241\"><p data-start=\"4188\" data-end=\"4241\">Renforcer la <strong data-start=\"4201\" data-end=\"4224\">solidit\u00e9 financi\u00e8re<\/strong> de l\u2019entreprise.<\/p><\/li><\/ul><p data-start=\"4243\" data-end=\"4415\">\ud83d\udcde <strong data-start=\"4246\" data-end=\"4286\">Prenez contact avec ASTRA Patrimoine<\/strong> pour un audit gratuit de votre situation et d\u00e9couvrez comment valoriser vos exc\u00e9dents de tr\u00e9sorerie avec prudence et efficacit\u00e9.<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1731\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1731\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Optimisation de tr\u00e9sorerie : Usufruit et d\u00e9membrement temporaire de SCPI <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1731\" class=\"elementor-element elementor-element-1e363ca e-con-full e-flex e-con e-child\" data-id=\"1e363ca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1731\" class=\"elementor-element elementor-element-7f48772 e-flex e-con-boxed e-con e-child\" data-id=\"7f48772\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a8471d9 elementor-widget elementor-widget-text-editor\" data-id=\"a8471d9\" data-element_type=\"widget\" data-e-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<h1 data-start=\"143\" data-end=\"220\">Usufruit et d\u00e9membrement temporaire de SCPI : une strat\u00e9gie gagnant-gagnant<\/h1><p data-start=\"222\" data-end=\"603\">Le <strong data-start=\"225\" data-end=\"254\">d\u00e9membrement de propri\u00e9t\u00e9<\/strong> appliqu\u00e9 aux <strong data-start=\"268\" data-end=\"276\">SCPI<\/strong> (Soci\u00e9t\u00e9s Civiles de Placement Immobilier) est une strat\u00e9gie patrimoniale puissante et encore m\u00e9connue. Elle permet d\u2019<strong data-start=\"395\" data-end=\"421\">optimiser la fiscalit\u00e9<\/strong>, d\u2019<strong data-start=\"425\" data-end=\"467\">adapter ses placements \u00e0 ses objectifs<\/strong> et de b\u00e9n\u00e9ficier d\u2019une grande souplesse. Que vous soyez <strong data-start=\"524\" data-end=\"563\">investisseur priv\u00e9 ou professionnel<\/strong>, cette approche m\u00e9rite votre attention.<\/p><p data-start=\"605\" data-end=\"765\">Chez <strong data-start=\"610\" data-end=\"630\">ASTRA Patrimoine<\/strong>, nous vous accompagnons pour tirer parti du d\u00e9membrement temporaire de SCPI, en phase avec votre profil et votre horizon de placement.<\/p><hr data-start=\"767\" data-end=\"770\" \/><h2 data-start=\"772\" data-end=\"817\">1. Qu\u2019est-ce que le d\u00e9membrement de SCPI ?<\/h2><p data-start=\"819\" data-end=\"868\">Le d\u00e9membrement de propri\u00e9t\u00e9 consiste \u00e0 s\u00e9parer :<\/p><ul data-start=\"870\" data-end=\"1010\"><li data-start=\"870\" data-end=\"932\"><p data-start=\"872\" data-end=\"932\"><strong data-start=\"872\" data-end=\"886\">L\u2019usufruit<\/strong> : le droit de percevoir les revenus (loyers),<\/p><\/li><li data-start=\"933\" data-end=\"1010\"><p data-start=\"935\" data-end=\"1010\"><strong data-start=\"935\" data-end=\"955\">La nue-propri\u00e9t\u00e9<\/strong> : le droit de devenir pleinement propri\u00e9taire \u00e0 terme.<\/p><\/li><\/ul><p data-start=\"1012\" data-end=\"1098\">Dans le cadre des SCPI, ce d\u00e9membrement est <strong data-start=\"1056\" data-end=\"1070\">temporaire<\/strong>, souvent de <strong data-start=\"1083\" data-end=\"1097\">3 \u00e0 10 ans<\/strong>.<\/p><h3 data-start=\"1100\" data-end=\"1116\">\ud83d\udccc Exemple :<\/h3><ul data-start=\"1117\" data-end=\"1320\"><li data-start=\"1117\" data-end=\"1166\"><p data-start=\"1119\" data-end=\"1166\">L\u2019usufruitier per\u00e7oit les loyers pendant 5 ans.<\/p><\/li><li data-start=\"1167\" data-end=\"1320\"><p data-start=\"1169\" data-end=\"1320\">Le nu-propri\u00e9taire ne per\u00e7oit rien pendant cette p\u00e9riode, mais r\u00e9cup\u00e8re la <strong data-start=\"1244\" data-end=\"1264\">pleine propri\u00e9t\u00e9<\/strong> au terme du d\u00e9membrement, <strong data-start=\"1291\" data-end=\"1319\">sans co\u00fbt suppl\u00e9mentaire<\/strong>.<\/p><\/li><\/ul><hr data-start=\"1322\" data-end=\"1325\" \/><h2 data-start=\"1327\" data-end=\"1365\">2. Les avantages pour l\u2019usufruitier<\/h2><p data-start=\"1367\" data-end=\"1498\">L\u2019usufruit temporaire de SCPI est particuli\u00e8rement recherch\u00e9 par les <strong data-start=\"1436\" data-end=\"1490\">entreprises ou les contribuables fortement impos\u00e9s<\/strong>, pour :<\/p><h3 data-start=\"1500\" data-end=\"1555\">\u2705 Obtenir un <strong data-start=\"1517\" data-end=\"1536\">revenu imm\u00e9diat<\/strong> \u00e0 fort rendement<\/h3><p data-start=\"1556\" data-end=\"1657\">Les SCPI g\u00e9n\u00e8rent un rendement annuel souvent sup\u00e9rieur \u00e0 5 %, int\u00e9gralement per\u00e7u par l\u2019usufruitier.<\/p><h3 data-start=\"1659\" data-end=\"1709\">\u2705 <strong data-start=\"1665\" data-end=\"1691\">Optimiser la fiscalit\u00e9<\/strong> professionnelle<\/h3><p data-start=\"1710\" data-end=\"1877\">Pour une soci\u00e9t\u00e9 soumise \u00e0 l\u2019IS, les revenus per\u00e7us sont impos\u00e9s selon le r\u00e9gime des b\u00e9n\u00e9fices. L\u2019achat de l\u2019usufruit est <strong data-start=\"1832\" data-end=\"1856\">amorti comptablement<\/strong>, ce qui r\u00e9duit l\u2019IS.<\/p><h3 data-start=\"1879\" data-end=\"1937\">\u2705 S\u2019adapter \u00e0 un <strong data-start=\"1900\" data-end=\"1935\">besoin de tr\u00e9sorerie temporaire<\/strong><\/h3><p data-start=\"1938\" data-end=\"2062\">L\u2019usufruit prend fin automatiquement au terme pr\u00e9vu, ce qui permet de g\u00e9rer une tr\u00e9sorerie exc\u00e9dentaire \u00e0 court\/moyen terme.<\/p><hr data-start=\"2064\" data-end=\"2067\" \/><h2 data-start=\"2069\" data-end=\"2112\">3. Les avantages pour le nu-propri\u00e9taire<\/h2><p data-start=\"2114\" data-end=\"2240\">La nue-propri\u00e9t\u00e9 de SCPI est une strat\u00e9gie id\u00e9ale pour les <strong data-start=\"2173\" data-end=\"2202\">particuliers \u00e0 long terme<\/strong> ou en <strong data-start=\"2209\" data-end=\"2238\">anticipation successorale<\/strong> :<\/p><h3 data-start=\"2242\" data-end=\"2270\">\u2705 <strong data-start=\"2248\" data-end=\"2268\">D\u00e9cote \u00e0 l\u2019achat<\/strong><\/h3><p data-start=\"2271\" data-end=\"2442\">Le nu-propri\u00e9taire ach\u00e8te la SCPI avec une d\u00e9cote de <strong data-start=\"2324\" data-end=\"2337\">25 \u00e0 40 %<\/strong>, selon la dur\u00e9e du d\u00e9membrement. Il r\u00e9cup\u00e8re <strong data-start=\"2383\" data-end=\"2414\">la pleine propri\u00e9t\u00e9 \u00e0 terme<\/strong>, sans imp\u00f4t suppl\u00e9mentaire.<\/p><h3 data-start=\"2444\" data-end=\"2505\">\u2705 <strong data-start=\"2450\" data-end=\"2503\">Aucune fiscalit\u00e9 pendant la dur\u00e9e du d\u00e9membrement<\/strong><\/h3><p data-start=\"2506\" data-end=\"2600\">Pas de revenus = pas d\u2019imposition ni de pr\u00e9l\u00e8vements sociaux pendant la phase de d\u00e9membrement.<\/p><h3 data-start=\"2602\" data-end=\"2636\">\u2705 <strong data-start=\"2608\" data-end=\"2634\">Transmission facilit\u00e9e<\/strong><\/h3><p data-start=\"2637\" data-end=\"2778\">En cas de donation ou de succession, la base taxable est r\u00e9duite \u00e0 la seule valeur de la nue-propri\u00e9t\u00e9, ce qui <strong data-start=\"2748\" data-end=\"2777\">r\u00e9duit les droits \u00e0 payer<\/strong>.<\/p><hr data-start=\"2780\" data-end=\"2783\" \/><h2 data-start=\"2785\" data-end=\"2824\">4. \u00c0 qui s\u2019adresse cette strat\u00e9gie ?<\/h2><div class=\"_tableContainer_16hzy_1\"><div class=\"_tableWrapper_16hzy_14 group flex w-fit flex-col-reverse\" tabindex=\"-1\"><table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"2826\" data-end=\"3462\"><thead data-start=\"2826\" data-end=\"2931\"><tr data-start=\"2826\" data-end=\"2931\"><th data-start=\"2826\" data-end=\"2855\" data-col-size=\"sm\"><strong data-start=\"2828\" data-end=\"2838\">Profil<\/strong><\/th><th data-start=\"2855\" data-end=\"2891\" data-col-size=\"sm\"><strong data-start=\"2857\" data-end=\"2883\">Position \u00e0 privil\u00e9gier<\/strong><\/th><th data-start=\"2891\" data-end=\"2931\" data-col-size=\"sm\"><strong data-start=\"2893\" data-end=\"2905\">Objectif<\/strong><\/th><\/tr><\/thead><tbody data-start=\"3038\" data-end=\"3462\"><tr data-start=\"3038\" data-end=\"3143\"><td data-start=\"3038\" data-end=\"3067\" data-col-size=\"sm\">Entreprise \u00e0 l\u2019IS<\/td><td data-start=\"3067\" data-end=\"3103\" data-col-size=\"sm\">Usufruit<\/td><td data-start=\"3103\" data-end=\"3143\" data-col-size=\"sm\">Optimisation fiscale \u00e0 court terme<\/td><\/tr><tr data-start=\"3144\" data-end=\"3249\"><td data-start=\"3144\" data-end=\"3173\" data-col-size=\"sm\">Particulier impos\u00e9 \u00e0 l\u2019IR<\/td><td data-start=\"3173\" data-end=\"3209\" data-col-size=\"sm\">Nue-propri\u00e9t\u00e9<\/td><td data-start=\"3209\" data-end=\"3249\" data-col-size=\"sm\">Anticipation et transmission<\/td><\/tr><tr data-start=\"3250\" data-end=\"3355\"><td data-start=\"3250\" data-end=\"3279\" data-col-size=\"sm\">Retrait\u00e9 ou futur retrait\u00e9<\/td><td data-start=\"3279\" data-end=\"3315\" data-col-size=\"sm\">Nue-propri\u00e9t\u00e9 (revenus diff\u00e9r\u00e9s)<\/td><td data-start=\"3315\" data-end=\"3355\" data-col-size=\"sm\">Compl\u00e9ment de retraite \u00e0 terme<\/td><\/tr><tr data-start=\"3356\" data-end=\"3462\"><td data-start=\"3356\" data-end=\"3388\" data-col-size=\"sm\">Parent souhaitant transmettre<\/td><td data-start=\"3388\" data-end=\"3421\" data-col-size=\"sm\">Nue-propri\u00e9t\u00e9 via donation<\/td><td data-start=\"3421\" data-end=\"3462\" data-col-size=\"sm\">Optimisation des droits de succession<\/td><\/tr><\/tbody><\/table><div class=\"sticky end-(--thread-content-margin) h-0 self-end select-none\"><div class=\"absolute end-0 flex items-end\">\u00a0<\/div><\/div><\/div><\/div><hr data-start=\"3464\" data-end=\"3467\" \/><h2 data-start=\"3469\" data-end=\"3500\">5. Exemple chiffr\u00e9 simplifi\u00e9<\/h2><ul data-start=\"3502\" data-end=\"3676\"><li data-start=\"3502\" data-end=\"3561\"><p data-start=\"3504\" data-end=\"3561\">Prix en pleine propri\u00e9t\u00e9 d\u2019une part de SCPI : <strong data-start=\"3550\" data-end=\"3561\">1 000 \u20ac<\/strong><\/p><\/li><li data-start=\"3562\" data-end=\"3676\"><p data-start=\"3564\" data-end=\"3599\">D\u00e9membrement temporaire sur 5 ans :<\/p><ul data-start=\"3602\" data-end=\"3676\"><li data-start=\"3602\" data-end=\"3635\"><p data-start=\"3604\" data-end=\"3635\"><strong data-start=\"3604\" data-end=\"3616\">Usufruit<\/strong> : 30 % \u2192 <strong data-start=\"3626\" data-end=\"3635\">300 \u20ac<\/strong><\/p><\/li><li data-start=\"3638\" data-end=\"3676\"><p data-start=\"3640\" data-end=\"3676\"><strong data-start=\"3640\" data-end=\"3657\">Nue-propri\u00e9t\u00e9<\/strong> : 70 % \u2192 <strong data-start=\"3667\" data-end=\"3676\">700 \u20ac<\/strong><\/p><\/li><\/ul><\/li><\/ul><p data-start=\"3678\" data-end=\"3813\">\ud83d\udd39 L\u2019usufruitier touche les loyers chaque ann\u00e9e (environ 5 %\/an sur 1 000 \u20ac) soit <strong data-start=\"3760\" data-end=\"3779\">250 \u20ac sur 5 ans<\/strong>, sur un capital investi de 300 \u20ac.<\/p><p data-start=\"3815\" data-end=\"3953\">\ud83d\udd39 Le nu-propri\u00e9taire r\u00e9cup\u00e8re la pleine propri\u00e9t\u00e9 dans 5 ans sans frais, avec une <strong data-start=\"3898\" data-end=\"3932\">plus-value potentielle latente<\/strong> \u00e0 la revalorisation.<\/p><hr data-start=\"3955\" data-end=\"3958\" \/><h2 data-start=\"3960\" data-end=\"3985\">\u2696\ufe0f Points de vigilance<\/h2><ul data-start=\"3987\" data-end=\"4308\"><li data-start=\"3987\" data-end=\"4098\"><p data-start=\"3989\" data-end=\"4098\">L\u2019achat d\u2019usufruit ne convient pas aux particuliers fortement fiscalis\u00e9s \u00e0 l\u2019IR : les loyers sont imposables.<\/p><\/li><li data-start=\"4099\" data-end=\"4195\"><p data-start=\"4101\" data-end=\"4195\">La revente de nue-propri\u00e9t\u00e9 avant terme peut \u00eatre difficile : le march\u00e9 secondaire est \u00e9troit.<\/p><\/li><li data-start=\"4196\" data-end=\"4308\"><p data-start=\"4198\" data-end=\"4308\">Il est important de choisir <strong data-start=\"4226\" data-end=\"4246\">des SCPI solides<\/strong>, bien diversifi\u00e9es, avec un historique de rendement r\u00e9gulier.<\/p><\/li><\/ul><hr data-start=\"4310\" data-end=\"4313\" \/><h2 data-start=\"4315\" data-end=\"4353\">\ud83e\udd1d ASTRA Patrimoine vous accompagne<\/h2><p data-start=\"4355\" data-end=\"4485\">Le d\u00e9membrement temporaire de SCPI est une <strong data-start=\"4398\" data-end=\"4436\">strat\u00e9gie puissante mais technique<\/strong>. Chez <strong data-start=\"4443\" data-end=\"4463\">ASTRA Patrimoine<\/strong>, nous vous aidons \u00e0 :<\/p><ul data-start=\"4487\" data-end=\"4630\"><li data-start=\"4487\" data-end=\"4520\"><p data-start=\"4489\" data-end=\"4520\">S\u00e9lectionner les SCPI adapt\u00e9es,<\/p><\/li><li data-start=\"4521\" data-end=\"4562\"><p data-start=\"4523\" data-end=\"4562\">Choisir la bonne dur\u00e9e de d\u00e9membrement,<\/p><\/li><li data-start=\"4563\" data-end=\"4630\"><p data-start=\"4565\" data-end=\"4630\">Int\u00e9grer cette strat\u00e9gie \u00e0 votre fiscalit\u00e9 ou \u00e0 votre succession.<\/p><\/li><\/ul><p data-start=\"4632\" data-end=\"4817\">\ud83d\udc49<a href=\"https:\/\/astra-patrimoine.fr\/index.php\/contact\/\"> Prenez rendez-vous d\u00e8s maintenant<\/a> pour un <strong data-start=\"4682\" data-end=\"4716\">bilan patrimonial personnalis\u00e9<\/strong>, et d\u00e9couvrons ensemble si l\u2019<strong data-start=\"4746\" data-end=\"4786\">usufruit ou la nue-propri\u00e9t\u00e9 de SCPI<\/strong> est adapt\u00e9e \u00e0 votre situation.<\/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\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1732\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1732\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Optimisation de tr\u00e9sorerie : Produits structur\u00e9s <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1732\" class=\"elementor-element elementor-element-81ae92a e-con-full e-flex e-con e-child\" data-id=\"81ae92a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1732\" class=\"elementor-element elementor-element-00bf865 e-flex e-con-boxed e-con e-child\" data-id=\"00bf865\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30adb76 elementor-widget elementor-widget-text-editor\" data-id=\"30adb76\" data-element_type=\"widget\" data-e-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<h1 data-start=\"239\" data-end=\"300\">Produits structur\u00e9s : investir avec strat\u00e9gie et protection<\/h1><p data-start=\"302\" data-end=\"622\">Les <strong data-start=\"306\" data-end=\"329\">produits structur\u00e9s<\/strong> sont des solutions d\u2019investissement sur-mesure, con\u00e7ues pour <strong data-start=\"391\" data-end=\"446\">offrir une alternative aux placements traditionnels<\/strong>, notamment en p\u00e9riode de march\u00e9s volatils. \u00c0 mi-chemin entre s\u00e9curit\u00e9 et performance, ils permettent d\u2019<strong data-start=\"550\" data-end=\"621\">acc\u00e9der \u00e0 des opportunit\u00e9s financi\u00e8res tout en ma\u00eetrisant le risque<\/strong>.<\/p><p data-start=\"624\" data-end=\"771\">Chez <strong data-start=\"629\" data-end=\"649\">ASTRA Patrimoine<\/strong>, nous int\u00e9grons ces solutions dans les allocations de nos clients lorsque cela fait sens, avec p\u00e9dagogie et transparence.<\/p><hr data-start=\"773\" data-end=\"776\" \/><h2 data-start=\"778\" data-end=\"819\">1. Qu\u2019est-ce qu\u2019un produit structur\u00e9 ?<\/h2><p data-start=\"821\" data-end=\"1091\">Un <strong data-start=\"824\" data-end=\"845\">produit structur\u00e9<\/strong> est un produit financier <strong data-start=\"871\" data-end=\"907\">compos\u00e9 de plusieurs instruments<\/strong>, souvent une <strong data-start=\"921\" data-end=\"935\">obligation<\/strong> (pour la protection du capital) et <strong data-start=\"971\" data-end=\"998\">un ou plusieurs d\u00e9riv\u00e9s<\/strong> (pour la performance). Il est g\u00e9n\u00e9ralement \u00e9mis par une banque ou une compagnie d\u2019assurance.<\/p><p data-start=\"1093\" data-end=\"1234\">Son rendement d\u00e9pend d\u2019un <strong data-start=\"1119\" data-end=\"1149\">sc\u00e9nario d\u00e9fini \u00e0 l\u2019avance<\/strong>, bas\u00e9 sur l\u2019\u00e9volution d\u2019un ou plusieurs indices, actions, paniers de titres ou taux.<\/p><h3 data-start=\"1236\" data-end=\"1259\">Exemple courant :<\/h3><blockquote data-start=\"1260\" data-end=\"1531\"><p data-start=\"1262\" data-end=\"1531\">Un produit structur\u00e9 propose un rendement de 6 %\/an si l\u2019indice CAC 40 ne baisse pas de plus de 30 % sur une p\u00e9riode de 6 ans.<br data-start=\"1388\" data-end=\"1391\" \/>Si les conditions sont respect\u00e9es, l\u2019investisseur r\u00e9cup\u00e8re son capital + les coupons. Sinon, il peut subir une perte partielle du capital.<\/p><\/blockquote><hr data-start=\"1533\" data-end=\"1536\" \/><h2 data-start=\"1538\" data-end=\"1592\">2. Pourquoi investir dans des produits structur\u00e9s ?<\/h2><h3 data-start=\"1594\" data-end=\"1640\">\u2705 <strong data-start=\"1600\" data-end=\"1640\">Protection du capital conditionnelle<\/strong><\/h3><p data-start=\"1641\" data-end=\"1802\">La majorit\u00e9 des produits structur\u00e9s offrent une <strong data-start=\"1689\" data-end=\"1715\">barri\u00e8re de protection<\/strong>, par exemple : \u201ccapital prot\u00e9g\u00e9 sauf si l\u2019indice baisse de plus de 40 % \u00e0 l\u2019\u00e9ch\u00e9ance\u201d.<\/p><h3 data-start=\"1804\" data-end=\"1853\">\u2705 <strong data-start=\"1810\" data-end=\"1853\">Rendement attractif et connu \u00e0 l\u2019avance<\/strong><\/h3><p data-start=\"1854\" data-end=\"2005\">Contrairement aux actions ou obligations classiques, le <strong data-start=\"1910\" data-end=\"1964\">rendement potentiel est d\u00e9fini d\u00e8s la souscription<\/strong>, ce qui permet une meilleure visibilit\u00e9.<\/p><h3 data-start=\"2007\" data-end=\"2030\">\u2705 <strong data-start=\"2013\" data-end=\"2030\">Dur\u00e9e d\u00e9finie<\/strong><\/h3><p data-start=\"2031\" data-end=\"2165\">La dur\u00e9e est fix\u00e9e \u00e0 l\u2019avance (g\u00e9n\u00e9ralement entre 3 et 10 ans), ce qui en fait un <strong data-start=\"2113\" data-end=\"2164\">placement temporairement bloqu\u00e9 mais pr\u00e9visible<\/strong>.<\/p><h3 data-start=\"2167\" data-end=\"2213\">\u2705 <strong data-start=\"2173\" data-end=\"2213\">Sc\u00e9narios vari\u00e9s et personnalisables<\/strong><\/h3><p data-start=\"2214\" data-end=\"2265\">Les produits peuvent \u00eatre con\u00e7us sur mesure selon :<\/p><ul data-start=\"2266\" data-end=\"2433\"><li data-start=\"2266\" data-end=\"2300\"><p data-start=\"2268\" data-end=\"2300\">Le niveau de protection souhait\u00e9<\/p><\/li><li data-start=\"2301\" data-end=\"2325\"><p data-start=\"2303\" data-end=\"2325\">L\u2019horizon de placement<\/p><\/li><li data-start=\"2326\" data-end=\"2354\"><p data-start=\"2328\" data-end=\"2354\">Les objectifs de rendement<\/p><\/li><li data-start=\"2355\" data-end=\"2433\"><p data-start=\"2357\" data-end=\"2433\">Les actifs sous-jacents choisis (indices, actions, mati\u00e8res premi\u00e8res, etc.)<\/p><\/li><\/ul><hr data-start=\"2435\" data-end=\"2438\" \/><h2 data-start=\"2440\" data-end=\"2479\">3. Pour quel profil d\u2019investisseur ?<\/h2><div class=\"_tableContainer_16hzy_1\"><div class=\"_tableWrapper_16hzy_14 group flex w-fit flex-col-reverse\" tabindex=\"-1\"><table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"2481\" data-end=\"2960\"><thead data-start=\"2481\" data-end=\"2560\"><tr data-start=\"2481\" data-end=\"2560\"><th data-start=\"2481\" data-end=\"2506\" data-col-size=\"sm\"><strong data-start=\"2483\" data-end=\"2493\">Profil<\/strong><\/th><th data-start=\"2506\" data-end=\"2560\" data-col-size=\"md\"><strong data-start=\"2508\" data-end=\"2530\">Avantage principal<\/strong><\/th><\/tr><\/thead><tbody data-start=\"2641\" data-end=\"2960\"><tr data-start=\"2641\" data-end=\"2720\"><td data-start=\"2641\" data-end=\"2666\" data-col-size=\"sm\">Prudent<\/td><td data-col-size=\"md\" data-start=\"2666\" data-end=\"2720\">Protection du capital conditionnelle<\/td><\/tr><tr data-start=\"2721\" data-end=\"2800\"><td data-start=\"2721\" data-end=\"2746\" data-col-size=\"sm\">\u00c9quilibr\u00e9<\/td><td data-col-size=\"md\" data-start=\"2746\" data-end=\"2800\">Rendement r\u00e9gulier m\u00eame en march\u00e9s incertains<\/td><\/tr><tr data-start=\"2801\" data-end=\"2880\"><td data-start=\"2801\" data-end=\"2826\" data-col-size=\"sm\">Investisseur averti<\/td><td data-col-size=\"md\" data-start=\"2826\" data-end=\"2880\">Diversification et personnalisation fine<\/td><\/tr><tr data-start=\"2881\" data-end=\"2960\"><td data-start=\"2881\" data-end=\"2906\" data-col-size=\"sm\">Chef d\u2019entreprise<\/td><td data-col-size=\"md\" data-start=\"2906\" data-end=\"2960\">Placement de tr\u00e9sorerie avec rendement cibl\u00e9<\/td><\/tr><\/tbody><\/table><div class=\"sticky end-(--thread-content-margin) h-0 self-end select-none\"><div class=\"absolute end-0 flex items-end\">\u00a0<\/div><\/div><\/div><\/div><p data-start=\"2962\" data-end=\"3131\">\u26a0\ufe0f <strong data-start=\"2965\" data-end=\"3050\">Ils ne sont pas faits pour les investisseurs qui ont besoin de liquidit\u00e9s rapides<\/strong>, car les produits sont souvent non liquides ou peu n\u00e9gociables avant l\u2019\u00e9ch\u00e9ance.<\/p><hr data-start=\"3133\" data-end=\"3136\" \/><h2 data-start=\"3138\" data-end=\"3191\">4. Quelle fiscalit\u00e9 pour les produits structur\u00e9s ?<\/h2><p data-start=\"3193\" data-end=\"3256\">La fiscalit\u00e9 d\u00e9pend du <strong data-start=\"3216\" data-end=\"3254\">cadre dans lequel vous les d\u00e9tenez<\/strong> :<\/p><ul data-start=\"3258\" data-end=\"3511\"><li data-start=\"3258\" data-end=\"3335\"><p data-start=\"3260\" data-end=\"3335\"><strong data-start=\"3260\" data-end=\"3277\">Compte-titres<\/strong> : revenus et plus-values soumis \u00e0 la <strong data-start=\"3315\" data-end=\"3327\">flat tax<\/strong> (30 %).<\/p><\/li><li data-start=\"3336\" data-end=\"3421\"><p data-start=\"3338\" data-end=\"3421\"><strong data-start=\"3338\" data-end=\"3361\">Assurance-vie \/ PER<\/strong> : fiscalit\u00e9 propre \u00e0 l\u2019enveloppe, souvent plus avantageuse.<\/p><\/li><li data-start=\"3422\" data-end=\"3511\"><p data-start=\"3424\" data-end=\"3511\"><strong data-start=\"3424\" data-end=\"3442\">Soci\u00e9t\u00e9 \u00e0 l\u2019IS<\/strong> : traitement comptable sp\u00e9cifique avec int\u00e9gration dans le r\u00e9sultat.<\/p><\/li><\/ul><p data-start=\"3513\" data-end=\"3644\">\ud83d\udca1 Chez ASTRA Patrimoine, nous veillons \u00e0 int\u00e9grer le <strong data-start=\"3567\" data-end=\"3620\">produit structur\u00e9 dans la bonne enveloppe fiscale<\/strong>, selon votre situation.<\/p><hr data-start=\"3646\" data-end=\"3649\" \/><h2 data-start=\"3651\" data-end=\"3680\">5. Les risques \u00e0 conna\u00eetre<\/h2><p data-start=\"3682\" data-end=\"3783\">M\u00eame si les produits structur\u00e9s sont con\u00e7us pour <strong data-start=\"3731\" data-end=\"3754\">ma\u00eetriser le risque<\/strong>, il faut garder \u00e0 l\u2019esprit :<\/p><ul data-start=\"3785\" data-end=\"4121\"><li data-start=\"3785\" data-end=\"3870\"><p data-start=\"3787\" data-end=\"3870\"><strong data-start=\"3787\" data-end=\"3827\">Risque de perte partielle du capital<\/strong> si la barri\u00e8re de protection est franchie.<\/p><\/li><li data-start=\"3871\" data-end=\"3949\"><p data-start=\"3873\" data-end=\"3949\"><strong data-start=\"3873\" data-end=\"3899\">Risque de contrepartie<\/strong> : si l\u2019\u00e9metteur (souvent une banque) fait d\u00e9faut.<\/p><\/li><li data-start=\"3950\" data-end=\"4045\"><p data-start=\"3952\" data-end=\"4045\"><strong data-start=\"3952\" data-end=\"3975\">Absence de garantie<\/strong> : sauf mention explicite, le capital n\u2019est jamais totalement garanti.<\/p><\/li><li data-start=\"4046\" data-end=\"4121\"><p data-start=\"4048\" data-end=\"4121\"><strong data-start=\"4048\" data-end=\"4073\">Frais parfois opaques<\/strong> : il est essentiel de bien lire les conditions.<\/p><\/li><\/ul><p data-start=\"4123\" data-end=\"4250\">\ud83d\udc49 Chez ASTRA Patrimoine, nous s\u00e9lectionnons <strong data-start=\"4168\" data-end=\"4249\">uniquement des produits clairs, lisibles et \u00e9mis par des institutions solides<\/strong>.<\/p><hr data-start=\"4252\" data-end=\"4255\" \/><h2 data-start=\"4257\" data-end=\"4331\">\ud83e\udded ASTRA Patrimoine : des produits structur\u00e9s adapt\u00e9s \u00e0 votre strat\u00e9gie<\/h2><p data-start=\"4333\" data-end=\"4634\">Nous ne proposons jamais de produit structur\u00e9 \u201cpar d\u00e9faut\u201d. Chaque solution est choisie selon vos <strong data-start=\"4431\" data-end=\"4457\">objectifs patrimoniaux<\/strong>, <strong data-start=\"4459\" data-end=\"4489\">votre horizon de placement<\/strong> et <strong data-start=\"4493\" data-end=\"4522\">votre tol\u00e9rance au risque<\/strong>. Notre r\u00f4le est de <strong data-start=\"4542\" data-end=\"4596\">vous expliquer simplement des m\u00e9canismes complexes<\/strong> et de vous accompagner dans la dur\u00e9e.<\/p><p data-start=\"4636\" data-end=\"4818\">\ud83d\udc49 <a class=\"\" href=\"#\" rel=\"noopener\" data-start=\"4639\" data-end=\"4658\">Contactez-nous<\/a> pour d\u00e9couvrir les <strong data-start=\"4678\" data-end=\"4732\">opportunit\u00e9s actuelles sur les produits structur\u00e9s<\/strong>, et int\u00e9grer ces solutions de mani\u00e8re intelligente dans votre strat\u00e9gie patrimoniale.<\/p><p>.<\/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\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1733\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1733\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Optimisation de tr\u00e9sorerie : SCPI de rendement en pleine propri\u00e9t\u00e9 <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1733\" class=\"elementor-element elementor-element-1785ac4 e-con-full e-flex e-con e-child\" data-id=\"1785ac4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1733\" class=\"elementor-element elementor-element-3c97343 e-flex e-con-boxed e-con e-child\" data-id=\"3c97343\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a9b02d0 elementor-widget elementor-widget-text-editor\" data-id=\"a9b02d0\" data-element_type=\"widget\" data-e-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<h1 data-start=\"169\" data-end=\"247\">SCPI de rendement en pleine propri\u00e9t\u00e9 : un revenu immobilier sans contrainte<\/h1><p data-start=\"249\" data-end=\"585\">Les <strong data-start=\"253\" data-end=\"274\">SCPI de rendement<\/strong> sont aujourd\u2019hui l\u2019un des placements pr\u00e9f\u00e9r\u00e9s des Fran\u00e7ais \u00e0 la recherche de <strong data-start=\"352\" data-end=\"389\">revenus compl\u00e9mentaires r\u00e9guliers<\/strong>, sans les contraintes de la gestion immobili\u00e8re directe. En investissant en <strong data-start=\"466\" data-end=\"486\">pleine propri\u00e9t\u00e9<\/strong>, vous b\u00e9n\u00e9ficiez \u00e0 la fois <strong data-start=\"514\" data-end=\"535\">des loyers per\u00e7us<\/strong> et <strong data-start=\"539\" data-end=\"584\">de la valorisation potentielle du capital<\/strong>.<\/p><p data-start=\"587\" data-end=\"753\">Chez <strong data-start=\"592\" data-end=\"612\">ASTRA Patrimoine<\/strong>, nous int\u00e9grons les SCPI dans une strat\u00e9gie patrimoniale globale, adapt\u00e9e \u00e0 vos objectifs de revenus, de diversification et de transmission.<\/p><hr data-start=\"755\" data-end=\"758\" \/><h2 data-start=\"760\" data-end=\"814\">1. SCPI de rendement : d\u00e9finition et fonctionnement<\/h2><p data-start=\"816\" data-end=\"1030\">Les <strong data-start=\"820\" data-end=\"864\">Soci\u00e9t\u00e9s Civiles de Placement Immobilier<\/strong> (SCPI) sont des v\u00e9hicules d\u2019investissement collectif en immobilier. Les SCPI de <strong data-start=\"945\" data-end=\"958\">rendement<\/strong> ont pour objectif principal de g\u00e9n\u00e9rer un <strong data-start=\"1001\" data-end=\"1029\">flux de loyers r\u00e9guliers<\/strong>.<\/p><p data-start=\"1032\" data-end=\"1057\">Elles investissent dans :<\/p><ul data-start=\"1058\" data-end=\"1202\"><li data-start=\"1058\" data-end=\"1076\"><p data-start=\"1060\" data-end=\"1076\">Des <strong data-start=\"1064\" data-end=\"1075\">bureaux<\/strong>,<\/p><\/li><li data-start=\"1077\" data-end=\"1097\"><p data-start=\"1079\" data-end=\"1097\">Des <strong data-start=\"1083\" data-end=\"1096\">commerces<\/strong>,<\/p><\/li><li data-start=\"1098\" data-end=\"1139\"><p data-start=\"1100\" data-end=\"1139\">Des <strong data-start=\"1104\" data-end=\"1138\">locaux logistiques ou de sant\u00e9<\/strong>,<\/p><\/li><li data-start=\"1140\" data-end=\"1202\"><p data-start=\"1142\" data-end=\"1202\">Dans plusieurs pays europ\u00e9ens selon la strat\u00e9gie de la SCPI.<\/p><\/li><\/ul><p data-start=\"1204\" data-end=\"1369\">\ud83d\udccc Vous achetez des <strong data-start=\"1224\" data-end=\"1233\">parts<\/strong> de SCPI, qui repr\u00e9sentent une fraction de ce parc immobilier mutualis\u00e9. Vous percevez, chaque trimestre, <strong data-start=\"1339\" data-end=\"1368\">une quote-part des loyers<\/strong>.<\/p><hr data-start=\"1371\" data-end=\"1374\" \/><h2 data-start=\"1376\" data-end=\"1434\">2. Qu\u2019est-ce que la pleine propri\u00e9t\u00e9 de parts de SCPI ?<\/h2><p data-start=\"1436\" data-end=\"1536\">D\u00e9tenir des SCPI en <strong data-start=\"1456\" data-end=\"1476\">pleine propri\u00e9t\u00e9<\/strong> signifie que vous \u00eates <strong data-start=\"1500\" data-end=\"1524\">pleinement titulaire<\/strong> des parts :<\/p><ul data-start=\"1538\" data-end=\"1738\"><li data-start=\"1538\" data-end=\"1583\"><p data-start=\"1540\" data-end=\"1583\">Vous percevez <strong data-start=\"1554\" data-end=\"1582\">l\u2019int\u00e9gralit\u00e9 des loyers<\/strong>,<\/p><\/li><li data-start=\"1584\" data-end=\"1654\"><p data-start=\"1586\" data-end=\"1654\">Vous b\u00e9n\u00e9ficiez de la <strong data-start=\"1608\" data-end=\"1636\">revalorisation des parts<\/strong> (si elle a lieu),<\/p><\/li><li data-start=\"1655\" data-end=\"1738\"><p data-start=\"1657\" data-end=\"1738\">Vous conservez la <strong data-start=\"1675\" data-end=\"1713\">libert\u00e9 de revendre ou transmettre<\/strong> ces parts \u00e0 tout moment.<\/p><\/li><\/ul><p data-start=\"1740\" data-end=\"1836\">C\u2019est la forme de d\u00e9tention la plus simple et la plus r\u00e9pandue pour les \u00e9pargnants particuliers.<\/p><hr data-start=\"1838\" data-end=\"1841\" \/><h2 data-start=\"1843\" data-end=\"1915\">3. Pourquoi investir dans des SCPI de rendement en pleine propri\u00e9t\u00e9 ?<\/h2><h3 data-start=\"1917\" data-end=\"1959\">\u2705 Un <strong data-start=\"1926\" data-end=\"1945\">revenu r\u00e9gulier<\/strong> et pr\u00e9visible<\/h3><p data-start=\"1961\" data-end=\"2098\">Les SCPI de rendement offrent des <strong data-start=\"1995\" data-end=\"2027\">revenus trimestriels stables<\/strong>, g\u00e9n\u00e9ralement compris entre <strong data-start=\"2056\" data-end=\"2082\">4 % et 6 % brut par an<\/strong>, selon la SCPI.<\/p><h3 data-start=\"2100\" data-end=\"2129\">\u2705 Aucune gestion locative<\/h3><p data-start=\"2131\" data-end=\"2288\">La soci\u00e9t\u00e9 de gestion s\u2019occupe de tout : acquisition, gestion locative, entretien, relocation, etc. Vous \u00eates <strong data-start=\"2241\" data-end=\"2287\">d\u00e9barrass\u00e9 de toute contrainte immobili\u00e8re<\/strong>.<\/p><h3 data-start=\"2290\" data-end=\"2339\">\u2705 Une <strong data-start=\"2300\" data-end=\"2339\">diversification immobili\u00e8re massive<\/strong><\/h3><p data-start=\"2341\" data-end=\"2515\">Vous acc\u00e9dez, d\u00e8s quelques milliers d\u2019euros, \u00e0 un parc immobilier diversifi\u00e9 <strong data-start=\"2418\" data-end=\"2438\">g\u00e9ographiquement<\/strong>, <strong data-start=\"2440\" data-end=\"2459\">sectoriellement<\/strong> (bureaux, sant\u00e9, logistique, etc.) et <strong data-start=\"2498\" data-end=\"2514\">locativement<\/strong>.<\/p><h3 data-start=\"2517\" data-end=\"2550\">\u2705 Un <strong data-start=\"2526\" data-end=\"2550\">placement accessible<\/strong><\/h3><ul data-start=\"2552\" data-end=\"2683\"><li data-start=\"2552\" data-end=\"2605\"><p data-start=\"2554\" data-end=\"2605\">Ticket d\u2019entr\u00e9e d\u00e8s <strong data-start=\"2574\" data-end=\"2585\">1 000 \u20ac<\/strong> dans certaines SCPI<\/p><\/li><li data-start=\"2606\" data-end=\"2683\"><p data-start=\"2608\" data-end=\"2683\">Placement id\u00e9al pour un <strong data-start=\"2632\" data-end=\"2661\">investissement progressif<\/strong>, r\u00e9gulier ou ponctuel<\/p><\/li><\/ul><hr data-start=\"2685\" data-end=\"2688\" \/><h2 data-start=\"2690\" data-end=\"2734\">4. Quelle fiscalit\u00e9 en pleine propri\u00e9t\u00e9 ?<\/h2><p data-start=\"2736\" data-end=\"2808\">Les <strong data-start=\"2740\" data-end=\"2762\">revenus distribu\u00e9s<\/strong> sont impos\u00e9s comme des <strong data-start=\"2786\" data-end=\"2806\">revenus fonciers<\/strong> :<\/p><ul data-start=\"2810\" data-end=\"2909\"><li data-start=\"2810\" data-end=\"2875\"><p data-start=\"2812\" data-end=\"2875\">Int\u00e9gration au bar\u00e8me progressif de l\u2019imp\u00f4t sur le revenu (IR),<\/p><\/li><li data-start=\"2876\" data-end=\"2909\"><p data-start=\"2878\" data-end=\"2909\">Pr\u00e9l\u00e8vements sociaux de 17,2 %.<\/p><\/li><\/ul><p data-start=\"2911\" data-end=\"2943\">\ud83d\udca1 <strong data-start=\"2914\" data-end=\"2943\">Optimisations possibles :<\/strong><\/p><ul data-start=\"2944\" data-end=\"3211\"><li data-start=\"2944\" data-end=\"3037\"><p data-start=\"2946\" data-end=\"3037\">Utiliser une enveloppe comme l\u2019<strong data-start=\"2977\" data-end=\"2994\">assurance-vie<\/strong> ou le <strong data-start=\"3001\" data-end=\"3008\">PER<\/strong> (si la SCPI y est \u00e9ligible),<\/p><\/li><li data-start=\"3038\" data-end=\"3131\"><p data-start=\"3040\" data-end=\"3131\">Investir via une <strong data-start=\"3057\" data-end=\"3083\">soci\u00e9t\u00e9 soumise \u00e0 l\u2019IS<\/strong> (ex : SCI \u00e0 l\u2019IS) pour une fiscalit\u00e9 optimis\u00e9e,<\/p><\/li><li data-start=\"3132\" data-end=\"3211\"><p data-start=\"3134\" data-end=\"3211\">Utiliser le <strong data-start=\"3146\" data-end=\"3163\">micro-foncier<\/strong> si les revenus sont inf\u00e9rieurs \u00e0 15 000 \u20ac \/ an.<\/p><\/li><\/ul><hr data-start=\"3213\" data-end=\"3216\" \/><h2 data-start=\"3218\" data-end=\"3288\">5. Pour qui sont faites les SCPI de rendement en pleine propri\u00e9t\u00e9 ?<\/h2><div class=\"_tableContainer_16hzy_1\"><div class=\"_tableWrapper_16hzy_14 group flex w-fit flex-col-reverse\" tabindex=\"-1\"><table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"3290\" data-end=\"3931\"><thead data-start=\"3290\" data-end=\"3380\"><tr data-start=\"3290\" data-end=\"3380\"><th data-start=\"3290\" data-end=\"3323\" data-col-size=\"sm\"><strong data-start=\"3292\" data-end=\"3302\">Profil<\/strong><\/th><th data-start=\"3323\" data-end=\"3380\" data-col-size=\"md\"><strong data-start=\"3325\" data-end=\"3349\">Avantages recherch\u00e9s<\/strong><\/th><\/tr><\/thead><tbody data-start=\"3473\" data-end=\"3931\"><tr data-start=\"3473\" data-end=\"3564\"><td data-start=\"3473\" data-end=\"3506\" data-col-size=\"sm\">Retrait\u00e9 ou futur retrait\u00e9<\/td><td data-col-size=\"md\" data-start=\"3506\" data-end=\"3564\">Revenus r\u00e9guliers sans gestion<\/td><\/tr><tr data-start=\"3565\" data-end=\"3656\"><td data-start=\"3565\" data-end=\"3598\" data-col-size=\"sm\">Investisseur prudent<\/td><td data-col-size=\"md\" data-start=\"3598\" data-end=\"3656\">Immobilier mutualis\u00e9, peu volatil<\/td><\/tr><tr data-start=\"3657\" data-end=\"3748\"><td data-start=\"3657\" data-end=\"3690\" data-col-size=\"sm\">Profession lib\u00e9rale<\/td><td data-col-size=\"md\" data-start=\"3690\" data-end=\"3748\">Constitution d\u2019un compl\u00e9ment de revenus diff\u00e9r\u00e9s<\/td><\/tr><tr data-start=\"3749\" data-end=\"3840\"><td data-start=\"3749\" data-end=\"3782\" data-col-size=\"sm\">Parent souhaitant transmettre<\/td><td data-col-size=\"md\" data-start=\"3782\" data-end=\"3840\">Placement transmissible et divisible facilement<\/td><\/tr><tr data-start=\"3841\" data-end=\"3931\"><td data-start=\"3841\" data-end=\"3876\" data-col-size=\"sm\">\u00c9pargnant d\u00e9j\u00e0 expos\u00e9 en actions<\/td><td data-col-size=\"md\" data-start=\"3876\" data-end=\"3931\">Diversification vers l\u2019immobilier professionnel<\/td><\/tr><\/tbody><\/table><div class=\"sticky end-(--thread-content-margin) h-0 self-end select-none\"><div class=\"absolute end-0 flex items-end\">\u00a0<\/div><\/div><\/div><\/div><hr data-start=\"3933\" data-end=\"3936\" \/><h2 data-start=\"3938\" data-end=\"3963\">6. Points de vigilance<\/h2><ul data-start=\"3965\" data-end=\"4317\"><li data-start=\"3965\" data-end=\"4077\"><p data-start=\"3967\" data-end=\"4077\"><strong data-start=\"3967\" data-end=\"3997\">Risque de perte en capital<\/strong> : comme tout investissement immobilier, la valeur des parts n\u2019est pas garantie.<\/p><\/li><li data-start=\"4078\" data-end=\"4182\"><p data-start=\"4080\" data-end=\"4182\"><strong data-start=\"4080\" data-end=\"4105\">Revente non imm\u00e9diate<\/strong> : les parts sont revendables, mais pas \u00e0 tout moment comme une action cot\u00e9e.<\/p><\/li><li data-start=\"4183\" data-end=\"4317\"><p data-start=\"4185\" data-end=\"4317\"><strong data-start=\"4185\" data-end=\"4205\">Fiscalit\u00e9 r\u00e9elle<\/strong> : les revenus sont impos\u00e9s chaque ann\u00e9e, sauf dans le cadre d\u2019une enveloppe fiscale (assurance-vie, PER, etc.).<\/p><\/li><\/ul><p data-start=\"4319\" data-end=\"4449\">\ud83d\udc49 D\u2019o\u00f9 l\u2019importance de bien choisir les SCPI selon leur historique, leur gestion, leur strat\u00e9gie et leur niveau de mutualisation.<\/p><hr data-start=\"4451\" data-end=\"4454\" \/><h2 data-start=\"4456\" data-end=\"4494\">\ud83e\udded ASTRA Patrimoine vous accompagne<\/h2><p data-start=\"4496\" data-end=\"4627\">Chez <strong data-start=\"4501\" data-end=\"4521\">ASTRA Patrimoine<\/strong>, nous s\u00e9lectionnons des SCPI <strong data-start=\"4551\" data-end=\"4593\">solides, transparentes et performantes<\/strong>, en fonction de votre situation :<\/p><ul data-start=\"4629\" data-end=\"4760\"><li data-start=\"4629\" data-end=\"4666\"><p data-start=\"4631\" data-end=\"4666\">Besoin de revenus compl\u00e9mentaires ?<\/p><\/li><li data-start=\"4667\" data-end=\"4707\"><p data-start=\"4669\" data-end=\"4707\">Volont\u00e9 de diversifier votre \u00e9pargne ?<\/p><\/li><li data-start=\"4708\" data-end=\"4760\"><p data-start=\"4710\" data-end=\"4760\">Optimisation fiscale ou transmission \u00e0 organiser ?<\/p><\/li><\/ul><p data-start=\"4762\" data-end=\"4957\">Nous vous guidons dans le choix de la <strong data-start=\"4800\" data-end=\"4866\">forme de d\u00e9tention (pleine propri\u00e9t\u00e9, nue-propri\u00e9t\u00e9, usufruit)<\/strong>, du <strong data-start=\"4871\" data-end=\"4902\">cadre fiscal le plus adapt\u00e9<\/strong>, et dans le <strong data-start=\"4915\" data-end=\"4956\">suivi r\u00e9gulier de vos investissements<\/strong>.<\/p><p data-start=\"4959\" data-end=\"5081\">\ud83d\udc49 <a class=\"\" href=\"https:\/\/astra-patrimoine.fr\/index.php\/contact\/\" rel=\"noopener\" data-start=\"4962\" data-end=\"4985\">Prenez rendez-vous<\/a> pour un bilan patrimonial et d\u00e9couvrez les SCPI de rendement les plus adapt\u00e9es \u00e0 vos objectifs.<\/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\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1734\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1734\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> PER, PERCOL, PEE : des solutions d\u2019\u00e9pargne puissantes au service de votre entreprise <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1734\" class=\"elementor-element elementor-element-410ba1d e-flex e-con-boxed e-con e-child\" data-id=\"410ba1d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1734\" class=\"elementor-element elementor-element-44d8a6a e-con-full e-flex e-con e-child\" data-id=\"44d8a6a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-601fcec elementor-widget elementor-widget-text-editor\" data-id=\"601fcec\" data-element_type=\"widget\" data-e-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<h2 data-start=\"485\" data-end=\"568\">\ud83e\udded Pourquoi int\u00e9grer l\u2019\u00e9pargne salariale dans la strat\u00e9gie de votre entreprise ?<\/h2><p data-start=\"570\" data-end=\"1009\">En tant que chef d\u2019entreprise, vous \u00eates confront\u00e9 \u00e0 plusieurs enjeux : <strong data-start=\"642\" data-end=\"730\">attirer et fid\u00e9liser les talents, optimiser la fiscalit\u00e9, motiver vos collaborateurs<\/strong>. Les dispositifs d\u2019\u00e9pargne entreprise \u2013 <strong data-start=\"771\" data-end=\"806\">PEE (Plan d\u2019\u00c9pargne Entreprise)<\/strong>, <strong data-start=\"808\" data-end=\"854\">PERCOL (Plan d\u2019\u00c9pargne Retraite Collectif)<\/strong> et <strong data-start=\"858\" data-end=\"917\">PER (Plan d\u2019\u00c9pargne Retraite Individuel ou Obligatoire)<\/strong> \u2013 r\u00e9pondent \u00e0 ces objectifs tout en apportant des <strong data-start=\"968\" data-end=\"1008\">avantages fiscaux et sociaux majeurs<\/strong>.<\/p><hr data-start=\"1011\" data-end=\"1014\" \/><h2 data-start=\"1016\" data-end=\"1056\">\ud83d\udccc Le Plan d\u2019\u00c9pargne Entreprise (PEE)<\/h2><p data-start=\"1058\" data-end=\"1233\">Le <strong data-start=\"1061\" data-end=\"1068\">PEE<\/strong> permet aux salari\u00e9s (et aux dirigeants, sous conditions) de se constituer une \u00e9pargne \u00e0 moyen terme, investie dans des supports financiers (fonds, actions, OPCVM\u2026).<\/p><h3 data-start=\"1235\" data-end=\"1269\">\u2705 Int\u00e9r\u00eats pour l\u2019entreprise :<\/h3><ul data-start=\"1270\" data-end=\"1576\"><li data-start=\"1270\" data-end=\"1363\"><p data-start=\"1272\" data-end=\"1363\">L\u2019abondement vers\u00e9 est <strong data-start=\"1295\" data-end=\"1326\">exon\u00e9r\u00e9 de charges sociales<\/strong> (hors forfait social selon les cas).<\/p><\/li><li data-start=\"1364\" data-end=\"1420\"><p data-start=\"1366\" data-end=\"1420\">L\u2019abondement est <strong data-start=\"1383\" data-end=\"1419\">d\u00e9ductible du b\u00e9n\u00e9fice imposable<\/strong>.<\/p><\/li><li data-start=\"1421\" data-end=\"1492\"><p data-start=\"1423\" data-end=\"1492\">Outil de <strong data-start=\"1432\" data-end=\"1457\">r\u00e9mun\u00e9ration diff\u00e9r\u00e9e<\/strong> attractif pour vos collaborateurs.<\/p><\/li><li data-start=\"1493\" data-end=\"1576\"><p data-start=\"1495\" data-end=\"1576\">Renforce votre image d\u2019employeur soucieux du bien-\u00eatre financier de ses salari\u00e9s.<\/p><\/li><\/ul><h3 data-start=\"1578\" data-end=\"1610\">\ud83c\udfaf Pour vos collaborateurs :<\/h3><ul data-start=\"1611\" data-end=\"1885\"><li data-start=\"1611\" data-end=\"1679\"><p data-start=\"1613\" data-end=\"1679\">Exon\u00e9ration d\u2019imp\u00f4t sur le revenu des plus-values sous conditions.<\/p><\/li><li data-start=\"1680\" data-end=\"1795\"><p data-start=\"1682\" data-end=\"1795\">\u00c9pargne disponible apr\u00e8s 5 ans ou en cas de d\u00e9blocage anticip\u00e9 (achat r\u00e9sidence principale, mariage, naissance\u2026).<\/p><\/li><li data-start=\"1796\" data-end=\"1885\"><p data-start=\"1798\" data-end=\"1885\">Effet de levier avec l\u2019abondement pouvant aller jusqu\u2019\u00e0 <strong data-start=\"1854\" data-end=\"1884\">300 % du versement initial<\/strong>.<\/p><\/li><\/ul><hr data-start=\"1887\" data-end=\"1890\" \/><h2 data-start=\"1892\" data-end=\"1943\">\ud83d\udd12 Le Plan d\u2019\u00c9pargne Retraite Collectif (PERCOL)<\/h2><p data-start=\"1945\" data-end=\"2097\">Le <strong data-start=\"1948\" data-end=\"1958\">PERCOL<\/strong> est la version retraite du PEE. Il permet aux salari\u00e9s (et aux dirigeants) d\u2019\u00e9pargner pour la retraite dans un cadre fiscalement optimis\u00e9.<\/p><h3 data-start=\"2099\" data-end=\"2134\">\u2705 Avantages pour l\u2019entreprise :<\/h3><ul data-start=\"2135\" data-end=\"2408\"><li data-start=\"2135\" data-end=\"2216\"><p data-start=\"2137\" data-end=\"2216\">Aucune charge sociale sur l\u2019abondement (hors forfait social dans certains cas).<\/p><\/li><li data-start=\"2217\" data-end=\"2276\"><p data-start=\"2219\" data-end=\"2276\">Jusqu\u2019\u00e0 <strong data-start=\"2227\" data-end=\"2250\">16 % du PASS par an<\/strong> d\u2019abondement d\u00e9fiscalis\u00e9.<\/p><\/li><li data-start=\"2277\" data-end=\"2325\"><p data-start=\"2279\" data-end=\"2325\">Dispositif valorisant pour vos collaborateurs.<\/p><\/li><li data-start=\"2326\" data-end=\"2408\"><p data-start=\"2328\" data-end=\"2408\"><strong data-start=\"2328\" data-end=\"2373\">Pas d\u2019impact sur la masse salariale nette<\/strong>, mais un fort effet de motivation.<\/p><\/li><\/ul><h3 data-start=\"2410\" data-end=\"2436\">\ud83c\udfaf Pour les salari\u00e9s :<\/h3><ul data-start=\"2437\" data-end=\"2683\"><li data-start=\"2437\" data-end=\"2513\"><p data-start=\"2439\" data-end=\"2513\">Possibilit\u00e9 de d\u00e9duire les versements volontaires de l\u2019assiette imposable.<\/p><\/li><li data-start=\"2514\" data-end=\"2557\"><p data-start=\"2516\" data-end=\"2557\">Choix \u00e0 la sortie : <strong data-start=\"2536\" data-end=\"2556\">capital ou rente<\/strong>.<\/p><\/li><li data-start=\"2558\" data-end=\"2594\"><p data-start=\"2560\" data-end=\"2594\">Fiscalit\u00e9 avantageuse \u00e0 la sortie.<\/p><\/li><li data-start=\"2595\" data-end=\"2683\"><p data-start=\"2597\" data-end=\"2683\">Capital disponible dans certains cas (invalidit\u00e9, d\u00e9c\u00e8s, achat r\u00e9sidence principale\u2026).<\/p><\/li><\/ul><hr data-start=\"2685\" data-end=\"2688\" \/><h2 data-start=\"2690\" data-end=\"2728\">\ud83e\uddf1 Le Plan d\u2019\u00c9pargne Retraite (PER)<\/h2><p data-start=\"2730\" data-end=\"2897\">Le <strong data-start=\"2733\" data-end=\"2740\">PER<\/strong> peut aussi \u00eatre mis en place sous une forme collective (PERCOL), mais \u00e9galement de fa\u00e7on individuelle ou obligatoire pour certaines cat\u00e9gories de personnel.<\/p><h3 data-start=\"2899\" data-end=\"2924\">\u2705 Pour l\u2019entreprise :<\/h3><ul data-start=\"2925\" data-end=\"3201\"><li data-start=\"2925\" data-end=\"3018\"><p data-start=\"2927\" data-end=\"3018\">Le <strong data-start=\"2930\" data-end=\"2959\">PER collectif obligatoire<\/strong> peut \u00eatre un outil de r\u00e9mun\u00e9ration diff\u00e9r\u00e9e tr\u00e8s puissant.<\/p><\/li><li data-start=\"3019\" data-end=\"3111\"><p data-start=\"3021\" data-end=\"3111\">D\u00e9ductibilit\u00e9 int\u00e9grale des versements obligatoires ou volontaires dans certaines limites.<\/p><\/li><li data-start=\"3112\" data-end=\"3201\"><p data-start=\"3114\" data-end=\"3201\">Tr\u00e8s bon levier pour <strong data-start=\"3135\" data-end=\"3170\">optimiser la protection sociale<\/strong> des dirigeants ou cadres cl\u00e9s.<\/p><\/li><\/ul><h3 data-start=\"3203\" data-end=\"3234\">\ud83c\udfaf Pour les b\u00e9n\u00e9ficiaires :<\/h3><ul data-start=\"3235\" data-end=\"3427\"><li data-start=\"3235\" data-end=\"3305\"><p data-start=\"3237\" data-end=\"3305\">Constitution d\u2019un <strong data-start=\"3255\" data-end=\"3281\">compl\u00e9ment de retraite<\/strong> avec fiscalit\u00e9 all\u00e9g\u00e9e.<\/p><\/li><li data-start=\"3306\" data-end=\"3338\"><p data-start=\"3308\" data-end=\"3338\">Sortie en capital ou en rente.<\/p><\/li><li data-start=\"3339\" data-end=\"3427\"><p data-start=\"3341\" data-end=\"3427\">R\u00e9duction imm\u00e9diate de l\u2019imp\u00f4t sur le revenu (sur versements volontaires d\u00e9ductibles).<\/p><\/li><\/ul><hr data-start=\"3429\" data-end=\"3432\" \/><h2 data-start=\"3434\" data-end=\"3504\">\ud83d\ude80 Pourquoi mettre en place ces dispositifs avec ASTRA Patrimoine ?<\/h2><p data-start=\"3506\" data-end=\"3750\">Mettre en place un PEE, un PERCOL ou un PER ne se limite pas \u00e0 remplir des formulaires. Il s\u2019agit de construire <strong data-start=\"3618\" data-end=\"3678\">une strat\u00e9gie globale d\u2019\u00e9pargne salariale et de retraite<\/strong>, parfaitement int\u00e9gr\u00e9e \u00e0 votre politique RH et \u00e0 votre gestion fiscale.<\/p><p data-start=\"3752\" data-end=\"3786\">ASTRA Patrimoine vous accompagne :<\/p><ul data-start=\"3787\" data-end=\"4055\"><li data-start=\"3787\" data-end=\"3878\"><p data-start=\"3789\" data-end=\"3878\">Dans le <strong data-start=\"3797\" data-end=\"3830\">choix des dispositifs adapt\u00e9s<\/strong> \u00e0 la taille et \u00e0 la culture de votre entreprise<\/p><\/li><li data-start=\"3879\" data-end=\"3936\"><p data-start=\"3881\" data-end=\"3936\">Dans la <strong data-start=\"3889\" data-end=\"3914\">r\u00e9daction des accords<\/strong> et leur mise en \u0153uvre<\/p><\/li><li data-start=\"3937\" data-end=\"3984\"><p data-start=\"3939\" data-end=\"3984\">Dans la <strong data-start=\"3947\" data-end=\"3984\">s\u00e9lection des supports financiers<\/strong><\/p><\/li><li data-start=\"3985\" data-end=\"4055\"><p data-start=\"3987\" data-end=\"4055\">Dans l\u2019<strong data-start=\"3994\" data-end=\"4018\">optimisation fiscale<\/strong> globale du dirigeant et des salari\u00e9s<\/p><\/li><\/ul><hr data-start=\"4057\" data-end=\"4060\" \/><h2 data-start=\"4062\" data-end=\"4117\">\ud83c\udfaf Conclusion : un triple avantage pour l\u2019entreprise<\/h2><p data-start=\"4119\" data-end=\"4380\">\u2705 <strong data-start=\"4121\" data-end=\"4145\">Optimisation fiscale<\/strong> : exon\u00e9ration de charges, d\u00e9ductibilit\u00e9, r\u00e9duction d\u2019imp\u00f4t<br data-start=\"4204\" data-end=\"4207\" \/>\u2705 <strong data-start=\"4209\" data-end=\"4233\">Valorisation sociale<\/strong> : attractivit\u00e9 de l\u2019entreprise, fid\u00e9lisation des talents<br data-start=\"4290\" data-end=\"4293\" \/>\u2705 <strong data-start=\"4295\" data-end=\"4337\">Compl\u00e9ment de r\u00e9mun\u00e9ration intelligent<\/strong> : motivant et non impos\u00e9 pour les salari\u00e9s<\/p><hr data-start=\"4382\" data-end=\"4385\" \/><h2 data-start=\"4387\" data-end=\"4419\">\ud83d\udcde Contactez ASTRA Patrimoine<\/h2><p data-start=\"4421\" data-end=\"4628\">Vous souhaitez int\u00e9grer le PEE, le PERCOL ou le PER dans votre entreprise ?<br data-start=\"4496\" data-end=\"4499\" \/>ASTRA Patrimoine vous accompagne dans la <strong data-start=\"4540\" data-end=\"4588\">mise en place, le pilotage et l\u2019optimisation<\/strong> de votre strat\u00e9gie d\u2019\u00e9pargne salariale.<\/p><p data-start=\"4630\" data-end=\"4773\">\ud83d\udc49 Parlons de votre projet d\u00e8s aujourd\u2019hui. Ensemble, faisons de votre politique d\u2019entreprise un outil puissant au service de votre croissance.<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1735\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1735\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Le Pacte Dutreil : Transmettre son entreprise en r\u00e9duisant les droits de succession <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1735\" class=\"elementor-element elementor-element-1161c81 e-flex e-con-boxed e-con e-child\" data-id=\"1161c81\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1735\" class=\"elementor-element elementor-element-dd56945 e-con-full e-flex e-con e-child\" data-id=\"dd56945\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e9a539 elementor-widget elementor-widget-text-editor\" data-id=\"2e9a539\" data-element_type=\"widget\" data-e-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<h2 data-start=\"445\" data-end=\"504\">\ud83d\udd0d Transmettre une entreprise sans alourdir la fiscalit\u00e9<\/h2><p data-start=\"506\" data-end=\"890\">Transmettre une entreprise familiale, qu&rsquo;elle soit <strong data-start=\"557\" data-end=\"620\">industrielle, commerciale, artisanale, lib\u00e9rale ou agricole<\/strong>, repr\u00e9sente un enjeu majeur pour de nombreux chefs d\u2019entreprise. Le <strong data-start=\"689\" data-end=\"706\">Pacte Dutreil<\/strong>, encadr\u00e9 par l\u2019article 787 B du CGI, est un dispositif fiscal qui permet de <strong data-start=\"783\" data-end=\"825\">r\u00e9duire jusqu\u2019\u00e0 75 % la base imposable<\/strong> des droits de mutation \u00e0 titre gratuit (donation ou succession).<\/p><p data-start=\"892\" data-end=\"1083\">Ce m\u00e9canisme est devenu <strong data-start=\"916\" data-end=\"968\">un levier essentiel de la strat\u00e9gie patrimoniale<\/strong> pour les dirigeants soucieux d\u2019assurer la p\u00e9rennit\u00e9 de leur soci\u00e9t\u00e9 et de pr\u00e9server leur h\u00e9ritage entrepreneurial.<\/p><hr data-start=\"1085\" data-end=\"1088\" \/><h2 data-start=\"1090\" data-end=\"1130\">\u2699\ufe0f Le fonctionnement du Pacte Dutreil<\/h2><p data-start=\"1132\" data-end=\"1326\">Le Pacte Dutreil repose sur un <strong data-start=\"1163\" data-end=\"1214\">engagement collectif de conservation des titres<\/strong> de la soci\u00e9t\u00e9, suivi d\u2019un <strong data-start=\"1241\" data-end=\"1266\">engagement individuel<\/strong> par les h\u00e9ritiers ou donataires. Voici les grandes lignes :<\/p><h3 data-start=\"1328\" data-end=\"1363\">\ud83e\udde9 Les conditions principales :<\/h3><ul data-start=\"1364\" data-end=\"1997\"><li data-start=\"1364\" data-end=\"1500\"><p data-start=\"1366\" data-end=\"1500\">La soci\u00e9t\u00e9 doit exercer une <strong data-start=\"1394\" data-end=\"1421\">activit\u00e9 op\u00e9rationnelle<\/strong> (hors soci\u00e9t\u00e9s \u00e0 pr\u00e9pond\u00e9rance civile ou patrimoniale, sauf cas particuliers).<\/p><\/li><li data-start=\"1501\" data-end=\"1665\"><p data-start=\"1503\" data-end=\"1665\">Un <strong data-start=\"1506\" data-end=\"1546\">engagement collectif de conservation<\/strong> des titres d\u2019au moins <strong data-start=\"1569\" data-end=\"1578\">2 ans<\/strong> doit \u00eatre souscrit par un ou plusieurs associ\u00e9s (souvent en amont de la transmission).<\/p><\/li><li data-start=\"1666\" data-end=\"1782\"><p data-start=\"1668\" data-end=\"1782\">\u00c0 la suite de la transmission, chaque b\u00e9n\u00e9ficiaire doit s\u2019engager <strong data-start=\"1734\" data-end=\"1781\">\u00e0 conserver les titres pendant encore 4 ans<\/strong>.<\/p><\/li><li data-start=\"1783\" data-end=\"1997\"><p data-start=\"1785\" data-end=\"1997\">Au moins un des signataires de l\u2019engagement (ou un h\u00e9ritier) doit <strong data-start=\"1851\" data-end=\"1888\">exercer une fonction de direction<\/strong> dans l\u2019entreprise pendant toute la dur\u00e9e de l\u2019engagement collectif puis pendant 3 ans apr\u00e8s la transmission.<\/p><\/li><\/ul><h3 data-start=\"1999\" data-end=\"2029\">\ud83d\udcb0 Les avantages fiscaux :<\/h3><ul data-start=\"2030\" data-end=\"2453\"><li data-start=\"2030\" data-end=\"2110\"><p data-start=\"2032\" data-end=\"2110\"><strong data-start=\"2032\" data-end=\"2072\">R\u00e9duction de 75 % de la base taxable<\/strong> aux droits de donation ou succession.<\/p><\/li><li data-start=\"2111\" data-end=\"2222\"><p data-start=\"2113\" data-end=\"2222\">Possibilit\u00e9 de b\u00e9n\u00e9ficier d\u2019un <strong data-start=\"2144\" data-end=\"2196\">abattement de 100 000 \u20ac par parent et par enfant<\/strong>, avant calcul des droits.<\/p><\/li><li data-start=\"2223\" data-end=\"2331\"><p data-start=\"2225\" data-end=\"2331\"><strong data-start=\"2225\" data-end=\"2259\">Paiement fractionn\u00e9 ou diff\u00e9r\u00e9<\/strong> possible des droits, pour ne pas p\u00e9naliser la tr\u00e9sorerie des h\u00e9ritiers.<\/p><\/li><li data-start=\"2332\" data-end=\"2453\"><p data-start=\"2334\" data-end=\"2453\">Application possible en <strong data-start=\"2358\" data-end=\"2397\">pleine propri\u00e9t\u00e9 ou en d\u00e9membrement<\/strong> (donation de la nue-propri\u00e9t\u00e9 avec r\u00e9serve d\u2019usufruit).<\/p><\/li><\/ul><hr data-start=\"2455\" data-end=\"2458\" \/><h2 data-start=\"2460\" data-end=\"2528\">\ud83c\udfdb Un outil de transmission, mais aussi de strat\u00e9gie patrimoniale<\/h2><p data-start=\"2530\" data-end=\"2669\">Le Pacte Dutreil ne se limite pas \u00e0 une simple exon\u00e9ration fiscale. Il permet de structurer la transmission de l\u2019entreprise dans le temps :<\/p><ul data-start=\"2671\" data-end=\"3070\"><li data-start=\"2671\" data-end=\"2760\"><p data-start=\"2673\" data-end=\"2760\"><strong data-start=\"2673\" data-end=\"2686\">Anticiper<\/strong> la rel\u00e8ve de l\u2019entreprise familiale en choisissant les futurs dirigeants.<\/p><\/li><li data-start=\"2761\" data-end=\"2843\"><p data-start=\"2763\" data-end=\"2843\"><strong data-start=\"2763\" data-end=\"2801\">Pr\u00e9server la continuit\u00e9 \u00e9conomique<\/strong> et la stabilit\u00e9 du capital de la soci\u00e9t\u00e9.<\/p><\/li><li data-start=\"2844\" data-end=\"2956\"><p data-start=\"2846\" data-end=\"2956\"><strong data-start=\"2846\" data-end=\"2885\">Prot\u00e9ger les int\u00e9r\u00eats des h\u00e9ritiers<\/strong> tout en \u00e9vitant la vente forc\u00e9e de l\u2019entreprise pour payer les droits.<\/p><\/li><li data-start=\"2957\" data-end=\"3070\"><p data-start=\"2959\" data-end=\"3070\">Organiser une <strong data-start=\"2973\" data-end=\"3001\">transmission progressive<\/strong> via une strat\u00e9gie de donation temporaire ou d\u00e9membrement des titres.<\/p><\/li><\/ul><hr data-start=\"3072\" data-end=\"3075\" \/><h2 data-start=\"3077\" data-end=\"3143\">\ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67\u200d\ud83d\udc66 Pacte Dutreil &amp; soci\u00e9t\u00e9 familiale : un atout majeur<\/h2><p data-start=\"3145\" data-end=\"3365\">Le Pacte Dutreil s\u2019inscrit parfaitement dans une <strong data-start=\"3194\" data-end=\"3239\">logique de gestion de patrimoine familial<\/strong>, en permettant une <strong data-start=\"3259\" data-end=\"3283\">optimisation fiscale<\/strong>, mais surtout une <strong data-start=\"3302\" data-end=\"3340\">gestion sereine de la transmission<\/strong>. Il peut s\u2019appliquer \u00e0 :<\/p><ul data-start=\"3367\" data-end=\"3541\"><li data-start=\"3367\" data-end=\"3434\"><p data-start=\"3369\" data-end=\"3434\">Une <strong data-start=\"3373\" data-end=\"3381\">SARL<\/strong>, <strong data-start=\"3383\" data-end=\"3390\">SAS<\/strong>, <strong data-start=\"3392\" data-end=\"3398\">SA<\/strong> ou <strong data-start=\"3402\" data-end=\"3409\">SNC<\/strong> \u00e0 caract\u00e8re op\u00e9rationnel<\/p><\/li><li data-start=\"3435\" data-end=\"3483\"><p data-start=\"3437\" data-end=\"3483\">Une soci\u00e9t\u00e9 holding animatrice sous conditions<\/p><\/li><li data-start=\"3484\" data-end=\"3541\"><p data-start=\"3486\" data-end=\"3541\">Une soci\u00e9t\u00e9 mixte avec une activit\u00e9 principale \u00e9ligible<\/p><\/li><\/ul><hr data-start=\"3543\" data-end=\"3546\" \/><h2 data-start=\"3548\" data-end=\"3617\">\u2696\ufe0f Vigilance et accompagnement : le r\u00f4le du conseiller patrimonial<\/h2><p data-start=\"3619\" data-end=\"3788\">La mise en place d\u2019un Pacte Dutreil demande une <strong data-start=\"3667\" data-end=\"3710\">ma\u00eetrise technique et juridique pointue<\/strong>. Toute erreur peut entra\u00eener la <strong data-start=\"3743\" data-end=\"3787\">remise en cause de l\u2019exon\u00e9ration fiscale<\/strong>.<\/p><p data-start=\"3790\" data-end=\"3839\">ASTRA Patrimoine vous accompagne \u00e0 chaque \u00e9tape :<\/p><ul data-start=\"3840\" data-end=\"4184\"><li data-start=\"3840\" data-end=\"3910\"><p data-start=\"3842\" data-end=\"3910\"><strong data-start=\"3842\" data-end=\"3890\">Analyse de la structure juridique et fiscale<\/strong> de votre entreprise<\/p><\/li><li data-start=\"3911\" data-end=\"3982\"><p data-start=\"3913\" data-end=\"3982\">Choix des modalit\u00e9s de transmission (pleine propri\u00e9t\u00e9, d\u00e9membrement\u2026)<\/p><\/li><li data-start=\"3983\" data-end=\"4052\"><p data-start=\"3985\" data-end=\"4052\"><strong data-start=\"3985\" data-end=\"4052\">Coordination avec vos conseils juridiques et experts-comptables<\/strong><\/p><\/li><li data-start=\"4053\" data-end=\"4089\"><p data-start=\"4055\" data-end=\"4089\">R\u00e9daction et suivi des engagements<\/p><\/li><li data-start=\"4090\" data-end=\"4184\"><p data-start=\"4092\" data-end=\"4184\">Optimisation globale dans le cadre d\u2019une <strong data-start=\"4133\" data-end=\"4184\">transmission patrimoniale efficace et s\u00e9curis\u00e9e<\/strong><\/p><\/li><\/ul><hr data-start=\"4186\" data-end=\"4189\" \/><h2 data-start=\"4191\" data-end=\"4236\">\ud83c\udfaf En r\u00e9sum\u00e9 : les atouts du Pacte Dutreil<\/h2><p data-start=\"4238\" data-end=\"4466\">\u2705 R\u00e9duction des droits de succession ou de donation jusqu\u2019\u00e0 75 %<br data-start=\"4302\" data-end=\"4305\" \/>\u2705 Transmission progressive et contr\u00f4l\u00e9e de l\u2019entreprise<br data-start=\"4360\" data-end=\"4363\" \/>\u2705 Maintien de l\u2019activit\u00e9 et stabilit\u00e9 du capital<br data-start=\"4411\" data-end=\"4414\" \/>\u2705 Outil puissant de strat\u00e9gie patrimoniale familiale<\/p><hr data-start=\"4468\" data-end=\"4471\" \/><h2 data-start=\"4473\" data-end=\"4556\">\ud83d\udcde Contactez ASTRA Patrimoine pour organiser la transmission de votre entreprise<\/h2><p data-start=\"4558\" data-end=\"4780\">Ne laissez pas le poids fiscal freiner votre volont\u00e9 de transmettre. Avec ASTRA Patrimoine, b\u00e9n\u00e9ficiez d\u2019un accompagnement sur mesure pour <strong data-start=\"4697\" data-end=\"4756\">s\u00e9curiser et optimiser la transmission de votre soci\u00e9t\u00e9<\/strong> gr\u00e2ce au Pacte Dutreil.<\/p><p data-start=\"4782\" data-end=\"4872\">\ud83d\udc49 Prenez rendez-vous d\u00e8s aujourd\u2019hui pour un premier diagnostic patrimonial confidentiel.<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\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\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Chef d\u2019entreprise : d\u00e9veloppez et s\u00e9curisez votre patrimoine professionnel et personnel Accompagnement des Chefs d\u2019Entreprise \u00e0 Reims : valorisez votre patrimoine professionnel Le patrimoine d\u2019un chef d\u2019entreprise d\u00e9bute d\u00e8s la cr\u00e9ation ou la reprise de son activit\u00e9. Il \u00e9volue avec le temps pour structurer un capital professionnel, s\u00e9curiser l\u2019activit\u00e9 ou pr\u00e9parer la transmission. Ce patrimoine, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4611,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"Les meilleurs conseils en optimisation patrimoniale \u00e0 Reims. Investissement financier et immobilier. Baisse de la pression fiscale et de 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This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Accompagnement chef d&#039;entreprise \u00e0 Reims<\/title>\n<meta name=\"description\" content=\"Accompagnement patrimonial chef d&#039;entreprise \u00e0 Reims, optimisation fiscale, transmission, et strat\u00e9gie financi\u00e8re sur mesure\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/astra-patrimoine.fr\/index.php\/chef-dentreprise\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Accompagnement chef d&#039;entreprise \u00e0 Reims\" \/>\n<meta property=\"og:description\" content=\"Accompagnement patrimonial chef d&#039;entreprise \u00e0 Reims, optimisation fiscale, transmission, et strat\u00e9gie financi\u00e8re sur mesure\" \/>\n<meta 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