{"id":917,"date":"2024-05-12T10:20:01","date_gmt":"2024-05-12T08:20:01","guid":{"rendered":"http:\/\/astrapg.cluster030.hosting.ovh.net\/?page_id=917"},"modified":"2025-08-20T20:41:37","modified_gmt":"2025-08-20T18:41:37","slug":"les-dispositifs","status":"publish","type":"page","link":"https:\/\/astra-patrimoine.fr\/index.php\/les-dispositifs\/","title":{"rendered":"Les dispositifs"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"917\" class=\"elementor elementor-917\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fbd1d8a e-flex e-con-boxed e-con e-parent\" data-id=\"fbd1d8a\" 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-e79f530 elementor-widget elementor-widget-image\" data-id=\"e79f530\" 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\/2bb0e378-blog-3.jpg\" class=\"attachment-large size-large wp-image-4612\" alt=\"\" srcset=\"https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2020\/07\/2bb0e378-blog-3.jpg 350w, https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2020\/07\/2bb0e378-blog-3-300x240.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-1d5dd34 e-flex e-con-boxed e-con e-parent\" data-id=\"1d5dd34\" 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-b4724e2 elementor-widget elementor-widget-heading\" data-id=\"b4724e2\" 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<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.lafinancepourtous.com\/decryptages\/finance-perso\/epargne-et-placement\/patrimoine\/pourquoi-constituer-un-patrimoine\/\">Les dispositifs<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cdc86e7 e-flex e-con-boxed e-con e-parent\" data-id=\"cdc86e7\" 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-b86f95b elementor-widget elementor-widget-heading\" data-id=\"b86f95b\" 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<h2 class=\"elementor-heading-title elementor-size-default\">Choisissez ce qui vous correspond le mieux<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d221238 e-flex e-con-boxed e-con e-parent\" data-id=\"d221238\" 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-940240d elementor-widget elementor-widget-n-accordion\" data-id=\"940240d\" 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-1550\" 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-1550\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> L\u2019assurance-vie <\/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-1550\" class=\"elementor-element elementor-element-eb30b95 e-con-full e-flex e-con e-child\" data-id=\"eb30b95\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1550\" class=\"elementor-element elementor-element-6714899 e-flex e-con-boxed e-con e-child\" data-id=\"6714899\" 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-3636632 elementor-widget elementor-widget-text-editor\" data-id=\"3636632\" 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<h3 data-start=\"262\" data-end=\"336\">\ud83d\udcbc L\u2019assurance-vie : un pilier strat\u00e9gique de la gestion de patrimoine<\/h3><p data-start=\"338\" data-end=\"672\"><a href=\"https:\/\/www.economie.gouv.fr\/cedef\/fiches-pratiques\/quest-ce-que-lassurance-vie\">L&rsquo;assurance vie<\/a> est un <strong data-start=\"365\" data-end=\"389\">instrument financier<\/strong> de r\u00e9f\u00e9rence en France. Gr\u00e2ce \u00e0 sa souplesse et \u00e0 ses nombreux avantages fiscaux, elle s\u2019int\u00e8gre parfaitement dans une strat\u00e9gie globale de <strong data-start=\"530\" data-end=\"555\">gestion de patrimoine<\/strong>, que ce soit pour <strong data-start=\"574\" data-end=\"598\">pr\u00e9parer la retraite<\/strong>, <strong data-start=\"600\" data-end=\"626\">constituer une \u00e9pargne<\/strong>, ou <strong data-start=\"631\" data-end=\"671\">transmettre un capital \u00e0 ses proches<\/strong>.<\/p><hr data-start=\"674\" data-end=\"677\" \/><h3 data-start=\"679\" data-end=\"757\">\ud83d\udd0d Pourquoi int\u00e9grer une assurance-vie dans votre strat\u00e9gie patrimoniale ?<\/h3><p data-start=\"759\" data-end=\"840\">Ce placement reste tr\u00e8s pris\u00e9 par les \u00e9pargnants avertis pour plusieurs raisons :<\/p><ul data-start=\"842\" data-end=\"1367\"><li data-start=\"842\" data-end=\"911\"><p data-start=\"844\" data-end=\"911\">\u2705 <strong data-start=\"846\" data-end=\"877\">Capitalisation \u00e0 long terme<\/strong> dans un cadre fiscal favorable,<\/p><\/li><li data-start=\"912\" data-end=\"1045\"><p data-start=\"914\" data-end=\"1045\">\u2705 <strong data-start=\"916\" data-end=\"948\">Diversification de l\u2019\u00e9pargne<\/strong> gr\u00e2ce \u00e0 une large gamme de supports financiers (fonds en euros, unit\u00e9s de compte, SCPI, ETF\u2026),<\/p><\/li><li data-start=\"1046\" data-end=\"1106\"><p data-start=\"1048\" data-end=\"1106\">\u2705 <strong data-start=\"1050\" data-end=\"1077\">S\u00e9curisation du capital<\/strong> et potentiel de rendement,<\/p><\/li><li data-start=\"1107\" data-end=\"1202\"><p data-start=\"1109\" data-end=\"1202\">\u2705 <strong data-start=\"1111\" data-end=\"1138\">Disponibilit\u00e9 des fonds<\/strong> \u00e0 tout moment en cas de besoin (retraits partiels ou totaux),<\/p><\/li><li data-start=\"1203\" data-end=\"1367\"><p data-start=\"1205\" data-end=\"1367\">\u2705 <strong data-start=\"1207\" data-end=\"1247\">Transmission de patrimoine optimis\u00e9e<\/strong> : abattement de 152 500 \u20ac par b\u00e9n\u00e9ficiaire (pour les primes vers\u00e9es avant 70 ans), non soumis aux droits de succession.<\/p><\/li><\/ul><p data-start=\"1369\" data-end=\"1486\">\ud83d\udc49 En savoir plus sur notre <a class=\"cursor-pointer\" href=\"https:\/\/astra-patrimoine.fr\/index.php\/contact\/\" target=\"_new\" rel=\"noopener\" data-start=\"1397\" data-end=\"1486\">accompagnement en gestion de patrimoine<\/a><\/p><hr data-start=\"1488\" data-end=\"1491\" \/><h3 data-start=\"1493\" data-end=\"1538\">\ud83e\udde9 Quel contrat d\u2019assurance-vie choisir ?<\/h3><p data-start=\"1540\" data-end=\"1642\">Chez <strong data-start=\"1545\" data-end=\"1565\">ASTRA Patrimoine<\/strong>, nous s\u00e9lectionnons des <strong data-start=\"1590\" data-end=\"1626\">contrats en architecture ouverte<\/strong>, vous offrant :<\/p><ul data-start=\"1644\" data-end=\"1858\"><li data-start=\"1644\" data-end=\"1727\"><p data-start=\"1646\" data-end=\"1727\">Une large s\u00e9lection de supports (fonds ISR, immobiliers, obligataires, actions\u2026),<\/p><\/li><li data-start=\"1728\" data-end=\"1788\"><p data-start=\"1730\" data-end=\"1788\">Une gestion libre ou d\u00e9l\u00e9gu\u00e9e en fonction de votre profil,<\/p><\/li><li data-start=\"1789\" data-end=\"1858\"><p data-start=\"1791\" data-end=\"1858\">Une performance optimis\u00e9e gr\u00e2ce \u00e0 une <strong data-start=\"1829\" data-end=\"1857\">allocation personnalis\u00e9e<\/strong>.<\/p><\/li><\/ul><p data-start=\"1860\" data-end=\"1958\">\ud83c\udfaf Objectif : b\u00e2tir une <strong data-start=\"1884\" data-end=\"1926\">strat\u00e9gie d\u2019investissement patrimonial<\/strong> solide, coh\u00e9rente et \u00e9volutive.<\/p><p data-start=\"1960\" data-end=\"2068\">\ud83d\udc49 D\u00e9couvrez nos conseils pour <a class=\"cursor-pointer\" href=\"https:\/\/astra-patrimoine.fr\/index.php\/2025\/05\/23\/bien-choisir-ses-placements-les-cles-pour-investir-efficacement\/\" target=\"_new\" rel=\"noopener\" data-start=\"1991\" data-end=\"2068\">bien choisir vos placements<\/a><\/p><hr data-start=\"2070\" data-end=\"2073\" \/><h3 data-start=\"2075\" data-end=\"2140\">\ud83c\udfe6 Assurance-vie : fonctionnement, fiscalit\u00e9 et accessibilit\u00e9<\/h3><p data-start=\"2142\" data-end=\"2220\">Accessible \u00e0 tous, l\u2019assurance-vie offre une <strong data-start=\"2187\" data-end=\"2218\">souplesse de fonctionnement<\/strong> :<\/p><ul data-start=\"2222\" data-end=\"2426\"><li data-start=\"2222\" data-end=\"2270\"><p data-start=\"2224\" data-end=\"2270\">Versements libres ou programm\u00e9s, sans plafond,<\/p><\/li><li data-start=\"2271\" data-end=\"2316\"><p data-start=\"2273\" data-end=\"2316\">Fiscalit\u00e9 all\u00e9g\u00e9e apr\u00e8s 8 ans de d\u00e9tention,<\/p><\/li><li data-start=\"2317\" data-end=\"2426\"><p data-start=\"2319\" data-end=\"2426\">Exon\u00e9ration partielle des gains (jusqu\u2019\u00e0 4 600 \u20ac par an pour une personne seule ou 9 200 \u20ac pour un couple).<\/p><\/li><\/ul><p data-start=\"2428\" data-end=\"2522\">\ud83d\udccc L\u2019assurance-vie permet de <strong data-start=\"2457\" data-end=\"2494\"><a href=\"https:\/\/astra-patrimoine.fr\/index.php\/preparation-retraite\/\">construire une \u00e9pargne<\/a> disponible<\/strong> et fiscalement avantageuse.<\/p><p data-start=\"2524\" data-end=\"2626\">\ud83d\udc49 Lire notre guide sur <a class=\"cursor-pointer\" href=\"https:\/\/astra-patrimoine.fr\/index.php\/2025\/05\/23\/fiscalite-des-placements-ce-que-vous-devez-savoir-en-2025\/\" target=\"_new\" rel=\"noopener\" data-start=\"2548\" data-end=\"2626\">la fiscalit\u00e9 des placements<\/a><\/p><hr data-start=\"2628\" data-end=\"2631\" \/><h3 data-start=\"2633\" data-end=\"2669\">\u26a0\ufe0f Ce qu\u2019il ne faut pas n\u00e9gliger<\/h3><p data-start=\"2671\" data-end=\"2755\">Pour exploiter pleinement le potentiel de votre contrat d\u2019assurance-vie, veillez \u00e0 :<\/p><ul data-start=\"2757\" data-end=\"3028\"><li data-start=\"2757\" data-end=\"2835\"><p data-start=\"2759\" data-end=\"2835\">\u2712\ufe0f R\u00e9diger une <strong data-start=\"2774\" data-end=\"2805\">clause b\u00e9n\u00e9ficiaire adapt\u00e9e<\/strong> \u00e0 vos volont\u00e9s successorales,<\/p><\/li><li data-start=\"2836\" data-end=\"2931\"><p data-start=\"2838\" data-end=\"2931\">\ud83d\udcc8 Mettre en place une <strong data-start=\"2861\" data-end=\"2894\">strat\u00e9gie de rachat optimis\u00e9e<\/strong> pour profiter des avantages fiscaux,<\/p><\/li><li data-start=\"2932\" data-end=\"3028\"><p data-start=\"2934\" data-end=\"3028\">\ud83d\udd04 R\u00e9aliser des <strong data-start=\"2950\" data-end=\"2974\">arbitrages r\u00e9guliers<\/strong> pour ajuster votre allocation d\u2019actifs \u00e0 vos projets.<\/p><\/li><\/ul><p data-start=\"3030\" data-end=\"3144\">\ud83d\udc49 Consultez notre page d\u00e9di\u00e9e \u00e0 la <a class=\"cursor-pointer\" href=\"https:\/\/astra-patrimoine.fr\/index.php\/2025\/05\/23\/transmission-de-patrimoine-anticiper-pour-mieux-proteger\/\" target=\"_new\" rel=\"noopener\" data-start=\"3066\" data-end=\"3144\">transmission de patrimoine<\/a><\/p><hr data-start=\"3146\" data-end=\"3149\" \/><h3 data-start=\"3151\" data-end=\"3198\">\u2705 En r\u00e9sum\u00e9 : les atouts de l\u2019assurance-vie<\/h3><ul data-start=\"3200\" data-end=\"3489\"><li data-start=\"3200\" data-end=\"3234\"><p data-start=\"3202\" data-end=\"3234\"><strong data-start=\"3202\" data-end=\"3217\">Flexibilit\u00e9<\/strong> dans la gestion,<\/p><\/li><li data-start=\"3235\" data-end=\"3299\"><p data-start=\"3237\" data-end=\"3299\"><strong data-start=\"3237\" data-end=\"3262\">Fiscalit\u00e9 avantageuse<\/strong> sur les retraits et en cas de d\u00e9c\u00e8s,<\/p><\/li><li data-start=\"3300\" data-end=\"3345\"><p data-start=\"3302\" data-end=\"3345\"><strong data-start=\"3302\" data-end=\"3328\">Transmission facilit\u00e9e<\/strong> hors succession,<\/p><\/li><li data-start=\"3346\" data-end=\"3399\"><p data-start=\"3348\" data-end=\"3399\"><strong data-start=\"3348\" data-end=\"3398\">Personnalisation des supports d\u2019investissement<\/strong>,<\/p><\/li><li data-start=\"3400\" data-end=\"3489\"><p data-start=\"3402\" data-end=\"3489\"><strong data-start=\"3402\" data-end=\"3431\">Accompagnement sur mesure<\/strong> avec votre <strong data-start=\"3443\" data-end=\"3482\">Conseiller en Gestion de Patrimoine<\/strong> ASTRA.<\/p><\/li><\/ul><hr data-start=\"3491\" data-end=\"3494\" \/><h3 data-start=\"3496\" data-end=\"3535\">\ud83e\udd1d ASTRA Patrimoine vous accompagne<\/h3><p data-start=\"3537\" data-end=\"3808\">L\u2019<strong data-start=\"3539\" data-end=\"3556\">assurance-vie<\/strong> est un <strong data-start=\"3564\" data-end=\"3589\">outil patrimonial cl\u00e9<\/strong> pour <strong data-start=\"3595\" data-end=\"3652\">structurer, valoriser et transmettre votre patrimoine<\/strong>. Chez ASTRA Patrimoine, nous vous proposons un accompagnement personnalis\u00e9 pour faire de votre contrat un levier efficace au service de vos projets de vie.<\/p><p data-start=\"3810\" data-end=\"3911\">\ud83d\udcc5 <strong data-start=\"3813\" data-end=\"3835\">Prenez rendez-vous<\/strong> d\u00e8s maintenant pour une <strong data-start=\"3860\" data-end=\"3910\">\u00e9tude gratuite de votre situation patrimoniale<\/strong>.<\/p><p data-start=\"3810\" data-end=\"3911\">\ud83d\udc49 <a class=\"cursor-pointer\" href=\"https:\/\/astra-patrimoine.fr\/index.php\/contact\/\" target=\"_new\" rel=\"noopener\" data-start=\"3972\" data-end=\"4047\">Simulez votre strat\u00e9gie patrimoniale<\/a><\/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-1551\" 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-1551\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Le contrat de capitalisation <\/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-1551\" class=\"elementor-element elementor-element-10be032 e-con-full e-flex e-con e-child\" data-id=\"10be032\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1551\" class=\"elementor-element elementor-element-024fa49 e-flex e-con-boxed e-con e-child\" data-id=\"024fa49\" 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-ba8fc76 elementor-widget elementor-widget-text-editor\" data-id=\"ba8fc76\" 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=\"185\" data-end=\"258\">\ud83d\udcc4 Contrat de capitalisation : un outil patrimonial puissant et m\u00e9connu<\/h1><p data-start=\"260\" data-end=\"706\">Le <strong data-start=\"263\" data-end=\"292\">contrat de capitalisation<\/strong> est un produit d\u2019\u00e9pargne encore peu connu du grand public, mais qui offre de <strong data-start=\"370\" data-end=\"416\">nombreux avantages patrimoniaux et fiscaux<\/strong>, tant pour les particuliers que pour les entreprises. Il fonctionne de mani\u00e8re tr\u00e8s proche de l\u2019assurance-vie, tout en pr\u00e9sentant <strong data-start=\"547\" data-end=\"586\">des sp\u00e9cificit\u00e9s tr\u00e8s int\u00e9ressantes<\/strong>, notamment en mati\u00e8re de <strong data-start=\"612\" data-end=\"705\">transmission, d\u2019optimisation fiscale et de d\u00e9tention via des structures comme une soci\u00e9t\u00e9<\/strong>.<\/p><p data-start=\"708\" data-end=\"881\">Chez <strong data-start=\"713\" data-end=\"733\">ASTRA Patrimoine<\/strong>, nous vous aidons \u00e0 comprendre et \u00e0 exploiter pleinement le potentiel de ce contrat pour <strong data-start=\"823\" data-end=\"880\">structurer, valoriser et transmettre votre patrimoine<\/strong>.<\/p><hr data-start=\"883\" data-end=\"886\" \/><h2 data-start=\"888\" data-end=\"937\">\ud83e\udde9 Qu\u2019est-ce qu\u2019un contrat de capitalisation ?<\/h2><p data-start=\"939\" data-end=\"1148\">Le contrat de capitalisation est un produit d\u2019\u00e9pargne souscrit aupr\u00e8s d\u2019un assureur, permettant d\u2019investir sur des <strong data-start=\"1054\" data-end=\"1093\">supports en fonds euros (s\u00e9curis\u00e9s)<\/strong> ou en <strong data-start=\"1100\" data-end=\"1147\">unit\u00e9s de compte (actions, SCPI, ETF, etc.)<\/strong>.<\/p><p data-start=\"1150\" data-end=\"1214\">Il fonctionne comme une assurance-vie sur les aspects suivants :<\/p><ul data-start=\"1216\" data-end=\"1416\"><li data-start=\"1216\" data-end=\"1257\"><p data-start=\"1218\" data-end=\"1257\">\ud83d\udcbc Gestion libre, pilot\u00e9e ou conseill\u00e9e<\/p><\/li><li data-start=\"1258\" data-end=\"1334\"><p data-start=\"1260\" data-end=\"1334\">\ud83d\udcb0 Capitalisation des gains sans fiscalit\u00e9 tant qu\u2019il n\u2019y a pas de retrait<\/p><\/li><li data-start=\"1335\" data-end=\"1416\"><p data-start=\"1337\" data-end=\"1416\">\ud83d\udcc9 Fiscalit\u00e9 attractive sur les rachats (abattement apr\u00e8s 8 ans, PFU ou bar\u00e8me)<\/p><\/li><\/ul><p data-start=\"1418\" data-end=\"1572\">Mais <strong data-start=\"1423\" data-end=\"1471\">il ne prend pas fin au d\u00e9c\u00e8s du souscripteur<\/strong>, ce qui en fait <strong data-start=\"1488\" data-end=\"1543\">un outil de transmission patrimoniale tr\u00e8s efficace<\/strong>, notamment via une donation.<\/p><hr data-start=\"1574\" data-end=\"1577\" \/><h2 data-start=\"1579\" data-end=\"1627\">\u2696\ufe0f Les avantages du contrat de capitalisation<\/h2><h3 data-start=\"1629\" data-end=\"1672\">\u2705 1. Optimisation fiscale \u00e0 la sortie<\/h3><p data-start=\"1673\" data-end=\"1735\">Comme pour l\u2019assurance-vie, les rachats partiels b\u00e9n\u00e9ficient :<\/p><ul data-start=\"1737\" data-end=\"1965\"><li data-start=\"1737\" data-end=\"1799\"><p data-start=\"1739\" data-end=\"1799\">D\u2019une <strong data-start=\"1745\" data-end=\"1779\">imposition sur les seuls gains<\/strong>, pas sur le capital<\/p><\/li><li data-start=\"1800\" data-end=\"1876\"><p data-start=\"1802\" data-end=\"1876\">D\u2019un <strong data-start=\"1807\" data-end=\"1828\">abattement annuel<\/strong> apr\u00e8s 8 ans (4 600 \u20ac ou 9 200 \u20ac pour un couple)<\/p><\/li><li data-start=\"1877\" data-end=\"1965\"><p data-start=\"1879\" data-end=\"1965\">Du choix entre le <strong data-start=\"1897\" data-end=\"1918\">bar\u00e8me progressif<\/strong> ou le <strong data-start=\"1925\" data-end=\"1965\">Pr\u00e9l\u00e8vement Forfaitaire Unique (PFU)<\/strong><\/p><\/li><\/ul><h3 data-start=\"1967\" data-end=\"2017\">\ud83e\uddec 2. Transmission patrimoniale par donation<\/h3><p data-start=\"2018\" data-end=\"2163\">Le contrat de capitalisation peut <strong data-start=\"2052\" data-end=\"2083\">\u00eatre transmis de son vivant<\/strong>, par <strong data-start=\"2089\" data-end=\"2133\">donation \u00e0 ses enfants ou petits-enfants<\/strong>, <strong data-start=\"2135\" data-end=\"2162\">sans devoir \u00eatre d\u00e9nou\u00e9<\/strong>.<\/p><ul data-start=\"2165\" data-end=\"2341\"><li data-start=\"2165\" data-end=\"2255\"><p data-start=\"2167\" data-end=\"2255\">\ud83d\udca1 Cela permet de <strong data-start=\"2185\" data-end=\"2220\">conserver l\u2019ant\u00e9riorit\u00e9 fiscale<\/strong> du contrat (\u00e2ge, date d\u2019ouverture)<\/p><\/li><li data-start=\"2256\" data-end=\"2341\"><p data-start=\"2258\" data-end=\"2341\">\ud83d\udcc8 Et de faire <strong data-start=\"2273\" data-end=\"2309\">fructifier les capitaux transmis<\/strong> tout en optimisant la fiscalit\u00e9<\/p><\/li><\/ul><h3 data-start=\"2343\" data-end=\"2397\">\ud83c\udfdb\ufe0f 3. Int\u00e9gration \u00e0 une soci\u00e9t\u00e9 (SCI, holding\u2026)<\/h3><p data-start=\"2398\" data-end=\"2598\">Contrairement \u00e0 l\u2019assurance-vie, le contrat de capitalisation peut \u00eatre <strong data-start=\"2470\" data-end=\"2504\">d\u00e9tenu par une personne morale<\/strong> (comme une <strong data-start=\"2516\" data-end=\"2554\">SCI IS ou une holding patrimoniale<\/strong>), ce qui en fait un outil tr\u00e8s pris\u00e9 pour :<\/p><ul data-start=\"2600\" data-end=\"2745\"><li data-start=\"2600\" data-end=\"2645\"><p data-start=\"2602\" data-end=\"2645\"><strong data-start=\"2602\" data-end=\"2645\">Capitaliser les exc\u00e9dents de tr\u00e9sorerie<\/strong><\/p><\/li><li data-start=\"2646\" data-end=\"2685\"><p data-start=\"2648\" data-end=\"2685\"><strong data-start=\"2648\" data-end=\"2685\">Diversifier l\u2019actif de la soci\u00e9t\u00e9<\/strong><\/p><\/li><li data-start=\"2686\" data-end=\"2745\"><p data-start=\"2688\" data-end=\"2745\"><strong data-start=\"2688\" data-end=\"2745\">Optimiser l\u2019imposition des r\u00e9sultats (soci\u00e9t\u00e9 \u00e0 l\u2019IS)<\/strong><\/p><\/li><\/ul><h3 data-start=\"2747\" data-end=\"2799\">\u26b0\ufe0f 4. Succession : contrat non d\u00e9nou\u00e9 au d\u00e9c\u00e8s<\/h3><p data-start=\"2800\" data-end=\"2969\">\u00c0 la diff\u00e9rence d\u2019un contrat d\u2019assurance-vie, le contrat de capitalisation <strong data-start=\"2875\" data-end=\"2919\">ne s\u2019\u00e9teint pas au d\u00e9c\u00e8s du souscripteur<\/strong> : il <strong data-start=\"2925\" data-end=\"2959\">entre dans l\u2019actif successoral<\/strong>, ce qui :<\/p><ul data-start=\"2971\" data-end=\"3143\"><li data-start=\"2971\" data-end=\"3075\"><p data-start=\"2973\" data-end=\"3075\">\ud83d\udcbc Permet une <strong data-start=\"2987\" data-end=\"3075\">int\u00e9gration dans les strat\u00e9gies de succession (donation-partage, d\u00e9membrement, etc.)<\/strong><\/p><\/li><li data-start=\"3076\" data-end=\"3143\"><p data-start=\"3078\" data-end=\"3143\">\ud83d\udcca Offre une <strong data-start=\"3091\" data-end=\"3143\">continuit\u00e9 dans la gestion des actifs financiers<\/strong><\/p><\/li><\/ul><hr data-start=\"3145\" data-end=\"3148\" \/><h2 data-start=\"3150\" data-end=\"3214\">\ud83e\udde0 Contrat de capitalisation ou assurance-vie : que choisir ?<\/h2><p data-start=\"3216\" data-end=\"3278\">Ces deux supports sont <strong data-start=\"3239\" data-end=\"3258\">compl\u00e9mentaires<\/strong> et non concurrents.<\/p><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=\"3280\" data-end=\"3717\"><thead data-start=\"3280\" data-end=\"3348\"><tr data-start=\"3280\" data-end=\"3348\"><th data-start=\"3280\" data-end=\"3295\" data-col-size=\"sm\"><strong data-start=\"3282\" data-end=\"3294\">Crit\u00e8res<\/strong><\/th><th data-start=\"3295\" data-end=\"3315\" data-col-size=\"sm\"><strong data-start=\"3297\" data-end=\"3314\">Assurance-vie<\/strong><\/th><th data-start=\"3315\" data-end=\"3348\" data-col-size=\"sm\"><strong data-start=\"3317\" data-end=\"3346\">Contrat de capitalisation<\/strong><\/th><\/tr><\/thead><tbody data-start=\"3419\" data-end=\"3717\"><tr data-start=\"3419\" data-end=\"3460\"><td data-start=\"3419\" data-end=\"3447\" data-col-size=\"sm\">Fiscalit\u00e9 sur les rachats<\/td><td data-start=\"3447\" data-end=\"3453\" data-col-size=\"sm\">\u2705 \u2705<\/td><td data-start=\"3453\" data-end=\"3460\" data-col-size=\"sm\">\u2705 \u2705<\/td><\/tr><tr data-start=\"3461\" data-end=\"3509\"><td data-start=\"3461\" data-end=\"3492\" data-col-size=\"sm\">Clause b\u00e9n\u00e9ficiaire au d\u00e9c\u00e8s<\/td><td data-start=\"3492\" data-end=\"3500\" data-col-size=\"sm\">\u2705 Oui<\/td><td data-start=\"3500\" data-end=\"3509\" data-col-size=\"sm\">\u274c Non<\/td><\/tr><tr data-start=\"3510\" data-end=\"3591\"><td data-start=\"3510\" data-end=\"3538\" data-col-size=\"sm\">Transmission par donation<\/td><td data-start=\"3538\" data-end=\"3568\" data-col-size=\"sm\">\u274c Non (n\u00e9cessite un rachat)<\/td><td data-start=\"3568\" data-end=\"3591\" data-col-size=\"sm\">\u2705 Oui (sans rachat)<\/td><\/tr><tr data-start=\"3592\" data-end=\"3642\"><td data-start=\"3592\" data-end=\"3620\" data-col-size=\"sm\">D\u00e9tention par une soci\u00e9t\u00e9<\/td><td data-start=\"3620\" data-end=\"3633\" data-col-size=\"sm\">\u274c Interdit<\/td><td data-start=\"3633\" data-end=\"3642\" data-col-size=\"sm\">\u2705 Oui<\/td><\/tr><tr data-start=\"3643\" data-end=\"3717\"><td data-start=\"3643\" data-end=\"3682\" data-col-size=\"sm\">Int\u00e9gration dans l\u2019actif successoral<\/td><td data-start=\"3682\" data-end=\"3708\" data-col-size=\"sm\">\u274c Non (hors succession)<\/td><td data-start=\"3708\" data-end=\"3717\" data-col-size=\"sm\">\u2705 Oui<\/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><blockquote data-start=\"3719\" data-end=\"3864\"><p data-start=\"3721\" data-end=\"3864\">\ud83d\udc49 Chez <strong data-start=\"3729\" data-end=\"3749\">ASTRA Patrimoine<\/strong>, nous vous aidons \u00e0 <strong data-start=\"3770\" data-end=\"3825\">int\u00e9grer ces deux outils dans une strat\u00e9gie globale<\/strong> : financi\u00e8re, successorale et fiscale.<\/p><\/blockquote><hr data-start=\"3866\" data-end=\"3869\" \/><h2 data-start=\"3871\" data-end=\"3959\">\ud83d\udee0\ufe0f Comment int\u00e9grer le contrat de capitalisation dans votre strat\u00e9gie patrimoniale ?<\/h2><p data-start=\"3961\" data-end=\"4021\">Nous vous recommandons d\u2019envisager ce contrat si vous \u00eates :<\/p><ul data-start=\"4023\" data-end=\"4350\"><li data-start=\"4023\" data-end=\"4122\"><p data-start=\"4025\" data-end=\"4122\">Un <strong data-start=\"4028\" data-end=\"4092\">particulier souhaitant transmettre une \u00e9pargne \u00e0 ses enfants<\/strong> en conservant le cadre fiscal<\/p><\/li><li data-start=\"4123\" data-end=\"4231\"><p data-start=\"4125\" data-end=\"4231\">Un <strong data-start=\"4128\" data-end=\"4179\">chef d\u2019entreprise ou d\u00e9tenteur d\u2019une SCI \u00e0 l\u2019IS<\/strong> cherchant \u00e0 capitaliser une tr\u00e9sorerie exc\u00e9dentaire<\/p><\/li><li data-start=\"4232\" data-end=\"4350\"><p data-start=\"4234\" data-end=\"4350\">Une <strong data-start=\"4238\" data-end=\"4298\">personne ayant d\u00e9j\u00e0 utilis\u00e9 ses plafonds d\u2019assurance-vie<\/strong> et souhaitant un nouveau v\u00e9hicule fiscal performant<\/p><\/li><\/ul><hr data-start=\"4352\" data-end=\"4355\" \/><h2 data-start=\"4357\" data-end=\"4395\">\ud83d\udcde ASTRA Patrimoine vous accompagne<\/h2><p data-start=\"4397\" data-end=\"4610\"><strong data-start=\"4397\" data-end=\"4437\">Audit, conseil, mise en place, suivi<\/strong> : chez ASTRA Patrimoine, nous construisons avec vous <strong data-start=\"4491\" data-end=\"4518\">une solution sur mesure<\/strong>, en int\u00e9grant le contrat de capitalisation \u00e0 votre <strong data-start=\"4570\" data-end=\"4609\">plan global de gestion patrimoniale<\/strong>.<\/p><p data-start=\"4612\" data-end=\"4742\">\ud83d\udc49<a href=\"https:\/\/astra-patrimoine.fr\/index.php\/contact\/\"> Contactez-nous<\/a> pour <strong data-start=\"4635\" data-end=\"4681\">un premier \u00e9change gratuit et confidentiel<\/strong>.<br data-start=\"4682\" data-end=\"4685\" \/>Ensemble, pr\u00e9parons votre avenir et celui de vos proches.<\/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-1552\" 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-1552\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Le PER <\/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-1552\" class=\"elementor-element elementor-element-0bd50b6 e-flex e-con-boxed e-con e-child\" data-id=\"0bd50b6\" 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-1552\" class=\"elementor-element elementor-element-50c7c04 e-con-full e-flex e-con e-child\" data-id=\"50c7c04\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52dc68f elementor-widget elementor-widget-text-editor\" data-id=\"52dc68f\" 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=\"790\" data-end=\"818\">\ud83d\udccc Qu\u2019est-ce que le PER ?<\/h2><p data-start=\"820\" data-end=\"1016\">Le <strong data-start=\"823\" data-end=\"830\">PER<\/strong> est un produit d\u2019\u00e9pargne \u00e0 long terme qui permet de <strong data-start=\"883\" data-end=\"921\">constituer un capital ou une rente<\/strong> pour la retraite, avec la possibilit\u00e9 de <strong data-start=\"963\" data-end=\"1015\">d\u00e9duire les versements de votre revenu imposable<\/strong>.<\/p><p data-start=\"1018\" data-end=\"1049\">Il existe trois compartiments :<\/p><ol data-start=\"1051\" data-end=\"1234\"><li data-start=\"1051\" data-end=\"1096\"><p data-start=\"1054\" data-end=\"1096\"><strong data-start=\"1054\" data-end=\"1080\">PER individuel (PERIN)<\/strong> : ouvert \u00e0 tous<\/p><\/li><li data-start=\"1097\" data-end=\"1166\"><p data-start=\"1100\" data-end=\"1166\"><strong data-start=\"1100\" data-end=\"1126\">PER collectif (PERCOL)<\/strong> : propos\u00e9 dans le cadre de l\u2019entreprise<\/p><\/li><li data-start=\"1167\" data-end=\"1234\"><p data-start=\"1170\" data-end=\"1234\"><strong data-start=\"1170\" data-end=\"1189\">PER obligatoire<\/strong> : r\u00e9serv\u00e9 \u00e0 certaines cat\u00e9gories de salari\u00e9s<\/p><\/li><\/ol><hr data-start=\"1236\" data-end=\"1239\" \/><h2 data-start=\"1241\" data-end=\"1266\">\u2705 Les avantages du PER<\/h2><h3 data-start=\"1268\" data-end=\"1307\">\ud83d\udcb6 1. R\u00e9duction d\u2019imp\u00f4t imm\u00e9diate<\/h3><p data-start=\"1308\" data-end=\"1492\">Les versements sur un PER individuel ou collectif sont <strong data-start=\"1363\" data-end=\"1404\">d\u00e9ductibles de vos revenus imposables<\/strong>, dans la limite d\u2019un plafond annuel (10 % des revenus professionnels, ou 10 % du PASS).<\/p><blockquote data-start=\"1494\" data-end=\"1628\"><p data-start=\"1496\" data-end=\"1628\">Exemple : un versement de 5 000 \u20ac sur un PER peut g\u00e9n\u00e9rer jusqu\u2019\u00e0 <strong data-start=\"1562\" data-end=\"1592\">2 250 \u20ac d\u2019\u00e9conomie d\u2019imp\u00f4t<\/strong> pour un contribuable impos\u00e9 \u00e0 45 %.<\/p><\/blockquote><h3 data-start=\"1630\" data-end=\"1669\">\ud83d\udcb0 2. Capitalisation \u00e0 long terme<\/h3><p data-start=\"1670\" data-end=\"1869\">L\u2019\u00e9pargne est investie sur <strong data-start=\"1697\" data-end=\"1720\">des supports vari\u00e9s<\/strong> (fonds euros, unit\u00e9s de compte, SCPI, ETF\u2026) avec un horizon long terme. Vous profitez d\u2019une <strong data-start=\"1813\" data-end=\"1868\">croissance potentiellement sup\u00e9rieure \u00e0 l\u2019inflation<\/strong>.<\/p><h3 data-start=\"1871\" data-end=\"1910\">\ud83d\udd13 3. Sortie souple \u00e0 la retraite<\/h3><p data-start=\"1911\" data-end=\"1966\">\u00c0 l\u2019\u00e2ge de la retraite, vous pouvez choisir de sortir :<\/p><ul data-start=\"1968\" data-end=\"2056\"><li data-start=\"1968\" data-end=\"2006\"><p data-start=\"1970\" data-end=\"2006\">En <strong data-start=\"1973\" data-end=\"1984\">capital<\/strong> (total ou fractionn\u00e9)<\/p><\/li><li data-start=\"2007\" data-end=\"2029\"><p data-start=\"2009\" data-end=\"2029\">En <strong data-start=\"2012\" data-end=\"2029\">rente viag\u00e8re<\/strong><\/p><\/li><li data-start=\"2030\" data-end=\"2056\"><p data-start=\"2032\" data-end=\"2056\">Ou en combinant les deux<\/p><\/li><\/ul><p data-start=\"2058\" data-end=\"2158\">Cela permet une <strong data-start=\"2074\" data-end=\"2102\">adaptation \u00e0 vos besoins<\/strong> : achat d\u2019un bien, transmission, compl\u00e9ment de revenus\u2026<\/p><h3 data-start=\"2160\" data-end=\"2225\">\ud83c\udfe0 4. D\u00e9blocage anticip\u00e9 pour achat de r\u00e9sidence principale<\/h3><p data-start=\"2226\" data-end=\"2371\">Le PER permet un <strong data-start=\"2243\" data-end=\"2288\">rachat anticip\u00e9 sans fiscalit\u00e9 sp\u00e9cifique<\/strong> en cas d\u2019achat de votre <strong data-start=\"2313\" data-end=\"2337\">r\u00e9sidence principale<\/strong>, m\u00eame avant l\u2019\u00e2ge de la retraite.<\/p><h3 data-start=\"2373\" data-end=\"2420\">\ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67 5. Transmissible en cas de d\u00e9c\u00e8s<\/h3><p data-start=\"2421\" data-end=\"2579\">En cas de d\u00e9c\u00e8s avant 70 ans, le capital du PER est transmis <strong data-start=\"2482\" data-end=\"2501\">hors succession<\/strong> avec une fiscalit\u00e9 avantageuse (jusqu\u2019\u00e0 152 500 \u20ac exon\u00e9r\u00e9s par b\u00e9n\u00e9ficiaire).<\/p><hr data-start=\"2581\" data-end=\"2584\" \/><h2 data-start=\"2586\" data-end=\"2628\">\ud83e\udde0 Pour qui le PER est-il int\u00e9ressant ?<\/h2><p data-start=\"2630\" data-end=\"2679\">Le PER est particuli\u00e8rement adapt\u00e9 si vous \u00eates :<\/p><ul data-start=\"2681\" data-end=\"3109\"><li data-start=\"2681\" data-end=\"2774\"><p data-start=\"2683\" data-end=\"2774\">Un <strong data-start=\"2686\" data-end=\"2714\">salari\u00e9 fortement impos\u00e9<\/strong> souhaitant r\u00e9duire ses imp\u00f4ts tout en pr\u00e9parant sa retraite<\/p><\/li><li data-start=\"2775\" data-end=\"2897\"><p data-start=\"2777\" data-end=\"2897\">Un <strong data-start=\"2780\" data-end=\"2820\">professionnel lib\u00e9ral ou ind\u00e9pendant<\/strong> (m\u00e9decin, avocat, artisan\u2026) qui veut <strong data-start=\"2858\" data-end=\"2897\">transformer sa fiscalit\u00e9 en \u00e9pargne<\/strong><\/p><\/li><li data-start=\"2898\" data-end=\"3001\"><p data-start=\"2900\" data-end=\"3001\">Un <strong data-start=\"2903\" data-end=\"2924\">chef d\u2019entreprise<\/strong> souhaitant se constituer un compl\u00e9ment de retraite et optimiser son IR ou IS<\/p><\/li><li data-start=\"3002\" data-end=\"3109\"><p data-start=\"3004\" data-end=\"3109\">Un <strong data-start=\"3007\" data-end=\"3033\">parent ou grand-parent<\/strong> souhaitant transmettre une \u00e9pargne \u00e0 un enfant majeur tout en d\u00e9fiscalisant<\/p><\/li><\/ul><hr data-start=\"3111\" data-end=\"3114\" \/><h2 data-start=\"3116\" data-end=\"3151\">\ud83e\uddee PER et strat\u00e9gie patrimoniale<\/h2><p data-start=\"3153\" data-end=\"3242\">Chez <strong data-start=\"3158\" data-end=\"3178\">ASTRA Patrimoine<\/strong>, nous int\u00e9grons le PER dans une approche globale en lien avec :<\/p><ul data-start=\"3244\" data-end=\"3420\"><li data-start=\"3244\" data-end=\"3291\"><p data-start=\"3246\" data-end=\"3291\">Votre <strong data-start=\"3252\" data-end=\"3291\">niveau d\u2019imposition actuel et futur<\/strong><\/p><\/li><li data-start=\"3292\" data-end=\"3342\"><p data-start=\"3294\" data-end=\"3342\">Vos <strong data-start=\"3298\" data-end=\"3342\">objectifs de retraite ou de transmission<\/strong><\/p><\/li><li data-start=\"3343\" data-end=\"3420\"><p data-start=\"3345\" data-end=\"3420\">Vos <strong data-start=\"3349\" data-end=\"3370\">autres placements<\/strong> : assurance-vie, SCPI, contrat de capitalisation\u2026<\/p><\/li><\/ul><p data-start=\"3422\" data-end=\"3577\">Nous analysons \u00e9galement si le <strong data-start=\"3453\" data-end=\"3482\">PER d\u2019entreprise (PERCOL)<\/strong> ou le <strong data-start=\"3489\" data-end=\"3507\">PER individuel<\/strong> est plus adapt\u00e9 \u00e0 votre situation, voire les deux en compl\u00e9mentarit\u00e9.<\/p><hr data-start=\"3579\" data-end=\"3582\" \/><h2 data-start=\"3584\" data-end=\"3626\">\ud83d\udee0\ufe0f Mise en place avec ASTRA Patrimoine<\/h2><p data-start=\"3628\" data-end=\"3659\">Notre accompagnement comprend :<\/p><ul data-start=\"3661\" data-end=\"3913\"><li data-start=\"3661\" data-end=\"3729\"><p data-start=\"3663\" data-end=\"3729\">Un <strong data-start=\"3666\" data-end=\"3695\">audit patrimonial gratuit<\/strong> pour \u00e9valuer la pertinence du PER<\/p><\/li><li data-start=\"3730\" data-end=\"3801\"><p data-start=\"3732\" data-end=\"3801\">La <strong data-start=\"3735\" data-end=\"3759\">s\u00e9lection du contrat<\/strong> le plus adapt\u00e9 (gestion pilot\u00e9e ou libre)<\/p><\/li><li data-start=\"3802\" data-end=\"3855\"><p data-start=\"3804\" data-end=\"3855\">La <strong data-start=\"3807\" data-end=\"3855\">strat\u00e9gie de versement optimis\u00e9e fiscalement<\/strong><\/p><\/li><li data-start=\"3856\" data-end=\"3913\"><p data-start=\"3858\" data-end=\"3913\">Le <strong data-start=\"3861\" data-end=\"3877\">suivi annuel<\/strong> de la performance et des arbitrages<\/p><\/li><\/ul><blockquote data-start=\"3915\" data-end=\"4048\"><p data-start=\"3917\" data-end=\"4048\">\ud83c\udfaf Objectif : <strong data-start=\"3931\" data-end=\"4048\">r\u00e9duire votre imp\u00f4t d\u00e8s aujourd\u2019hui, pr\u00e9parer votre retraite de demain, et transmettre efficacement apr\u00e8s-demain.<\/strong><\/p><\/blockquote><hr data-start=\"4050\" data-end=\"4053\" \/><h2 data-start=\"4055\" data-end=\"4102\">\ud83d\udcde Contactez-nous pour un diagnostic gratuit<\/h2><p data-start=\"4104\" data-end=\"4257\">Chez <strong data-start=\"4109\" data-end=\"4129\">ASTRA Patrimoine<\/strong>, nous sommes convaincus que le PER n\u2019est pas un produit standard, mais <strong data-start=\"4201\" data-end=\"4226\">un levier strat\u00e9gique<\/strong> dans votre projet patrimonial.<\/p><p data-start=\"4259\" data-end=\"4414\">\ud83d\udc49<a href=\"https:\/\/astra-patrimoine.fr\/index.php\/contact\/\"> Prenez rendez-vous<\/a> d\u00e8s maintenant pour d\u00e9couvrir <strong data-start=\"4311\" data-end=\"4413\">comment tirer parti du Plan d\u2019\u00c9pargne Retraite dans votre situation personnelle ou professionnelle<\/strong>.<\/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-1553\" 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-1553\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> La 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-1553\" class=\"elementor-element elementor-element-de07f90 e-flex e-con-boxed e-con e-child\" data-id=\"de07f90\" 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-1553\" class=\"elementor-element elementor-element-58a788e e-con-full e-flex e-con e-child\" data-id=\"58a788e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-04c347b elementor-widget elementor-widget-text-editor\" data-id=\"04c347b\" 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=\"333\" data-end=\"414\">\ud83d\udcc8 Investir en SCPI : une solution cl\u00e9 pour g\u00e9n\u00e9rer des revenus compl\u00e9mentaires<\/h1><p data-start=\"416\" data-end=\"781\">L\u2019investissement immobilier reste l\u2019un des piliers de la constitution d\u2019un patrimoine. Mais g\u00e9rer un bien locatif demande du temps, des comp\u00e9tences et de l\u2019\u00e9nergie. Les <strong data-start=\"585\" data-end=\"593\">SCPI<\/strong> \u2013 Soci\u00e9t\u00e9s Civiles de Placement Immobilier \u2013 offrent une <strong data-start=\"651\" data-end=\"700\">alternative simple, performante et accessible<\/strong> pour b\u00e9n\u00e9ficier des <strong data-start=\"721\" data-end=\"758\">avantages de l\u2019immobilier locatif<\/strong>, sans les contraintes.<\/p><p data-start=\"783\" data-end=\"1023\">Chez <strong data-start=\"788\" data-end=\"808\">ASTRA Patrimoine<\/strong>, nous vous accompagnons pour int\u00e9grer intelligemment la SCPI dans votre strat\u00e9gie patrimoniale, qu\u2019il s\u2019agisse de <strong data-start=\"923\" data-end=\"962\">g\u00e9n\u00e9rer des revenus compl\u00e9mentaires<\/strong>, <strong data-start=\"964\" data-end=\"988\">pr\u00e9parer la retraite<\/strong> ou <strong data-start=\"992\" data-end=\"1022\">diversifier vos placements<\/strong>.<\/p><hr data-start=\"1025\" data-end=\"1028\" \/><h2 data-start=\"1030\" data-end=\"1059\">\ud83c\udfe2 Qu\u2019est-ce qu\u2019une SCPI ?<\/h2><p data-start=\"1061\" data-end=\"1365\">Une <strong data-start=\"1065\" data-end=\"1073\">SCPI<\/strong> est une soci\u00e9t\u00e9 qui d\u00e9tient et g\u00e8re un parc immobilier (bureaux, commerces, \u00e9tablissements de sant\u00e9, logements, etc.). En y investissant, vous devenez <strong data-start=\"1225\" data-end=\"1243\">copropri\u00e9taire<\/strong> d\u2019un portefeuille immobilier diversifi\u00e9 et <strong data-start=\"1287\" data-end=\"1325\">vous percevez des revenus locatifs<\/strong>, proportionnels \u00e0 votre investissement.<\/p><blockquote data-start=\"1367\" data-end=\"1539\"><p data-start=\"1369\" data-end=\"1539\">En r\u00e9sum\u00e9 : vous investissez dans de l\u2019immobilier <strong data-start=\"1419\" data-end=\"1434\">cl\u00e9 en main<\/strong>, g\u00e9r\u00e9 par des professionnels, et vous <strong data-start=\"1473\" data-end=\"1496\">percevez des loyers<\/strong> r\u00e9guliers sans vous occuper de la gestion.<\/p><\/blockquote><hr data-start=\"1541\" data-end=\"1544\" \/><h2 data-start=\"1546\" data-end=\"1599\">\ud83d\udca1 Les avantages des SCPI pour g\u00e9n\u00e9rer des revenus<\/h2><h3 data-start=\"1601\" data-end=\"1632\">\ud83d\udce5 1. Des revenus r\u00e9guliers<\/h3><p data-start=\"1634\" data-end=\"1857\">Les SCPI sont principalement choisies pour leur <strong data-start=\"1682\" data-end=\"1705\">rendement attractif<\/strong>, souvent entre <strong data-start=\"1721\" data-end=\"1747\">4 % et 6 % brut par an<\/strong>. Les loyers sont vers\u00e9s <strong data-start=\"1772\" data-end=\"1793\">trimestriellement<\/strong> ou <strong data-start=\"1797\" data-end=\"1814\">mensuellement<\/strong>, ce qui en fait une solution id\u00e9ale pour :<\/p><ul data-start=\"1859\" data-end=\"1962\"><li data-start=\"1859\" data-end=\"1885\"><p data-start=\"1861\" data-end=\"1885\"><strong data-start=\"1861\" data-end=\"1885\">Pr\u00e9parer la retraite<\/strong><\/p><\/li><li data-start=\"1886\" data-end=\"1924\"><p data-start=\"1888\" data-end=\"1924\"><strong data-start=\"1888\" data-end=\"1924\">Compl\u00e9ter des revenus d\u2019activit\u00e9<\/strong><\/p><\/li><li data-start=\"1925\" data-end=\"1962\"><p data-start=\"1927\" data-end=\"1962\"><strong data-start=\"1927\" data-end=\"1962\">Financer des projets personnels<\/strong><\/p><\/li><\/ul><h3 data-start=\"1964\" data-end=\"1998\">\ud83e\uddd8\u200d\u2642\ufe0f 2. Z\u00e9ro gestion locative<\/h3><p data-start=\"2000\" data-end=\"2175\">C\u2019est la soci\u00e9t\u00e9 de gestion qui s\u2019occupe de <strong data-start=\"2044\" data-end=\"2052\">tout<\/strong> : recherche de locataires, encaissement des loyers, travaux, administration. Vous n\u2019avez <strong data-start=\"2142\" data-end=\"2163\">aucune contrainte<\/strong> de gestion.<\/p><h3 data-start=\"2177\" data-end=\"2216\">\ud83c\udf0d 3. Diversification du patrimoine<\/h3><p data-start=\"2218\" data-end=\"2410\">Les SCPI investissent dans des <strong data-start=\"2249\" data-end=\"2271\">centaines de biens<\/strong> r\u00e9partis sur tout le territoire (et parfois en Europe). Cela permet de limiter les risques li\u00e9s \u00e0 la vacance locative ou aux al\u00e9as locaux.<\/p><h3 data-start=\"2412\" data-end=\"2471\">\ud83c\udfd7\ufe0f 4. Accessible \u00e0 partir de quelques milliers d\u2019euros<\/h3><p data-start=\"2473\" data-end=\"2610\">Il est possible d\u2019investir en SCPI d\u00e8s <strong data-start=\"2512\" data-end=\"2531\">1 000 \u00e0 5 000 \u20ac<\/strong>, contrairement \u00e0 l\u2019immobilier classique qui exige souvent un apport important.<\/p><h3 data-start=\"2612\" data-end=\"2671\">\ud83d\udcca 5. Plusieurs modes d\u2019acquisition selon vos objectifs<\/h3><p data-start=\"2673\" data-end=\"2704\">Vous pouvez acheter vos parts :<\/p><ul data-start=\"2705\" data-end=\"2932\"><li data-start=\"2705\" data-end=\"2743\"><p data-start=\"2707\" data-end=\"2743\"><strong data-start=\"2707\" data-end=\"2720\">En direct<\/strong> (comptant ou \u00e0 cr\u00e9dit)<\/p><\/li><li data-start=\"2744\" data-end=\"2831\"><p data-start=\"2746\" data-end=\"2831\"><strong data-start=\"2746\" data-end=\"2803\">Via une assurance-vie ou un contrat de capitalisation<\/strong> pour optimiser la fiscalit\u00e9<\/p><\/li><li data-start=\"2832\" data-end=\"2932\"><p data-start=\"2834\" data-end=\"2932\"><strong data-start=\"2834\" data-end=\"2857\">Via un d\u00e9membrement<\/strong> (nue-propri\u00e9t\u00e9 ou usufruit) pour pr\u00e9parer une transmission ou all\u00e9ger l\u2019IR<\/p><\/li><\/ul><hr data-start=\"2934\" data-end=\"2937\" \/><h2 data-start=\"2939\" data-end=\"2994\">\ud83d\udd0d Pourquoi investir en SCPI avec ASTRA Patrimoine ?<\/h2><p data-start=\"2996\" data-end=\"3026\">ASTRA Patrimoine vous aide \u00e0 :<\/p><ul data-start=\"3028\" data-end=\"3395\"><li data-start=\"3028\" data-end=\"3143\"><p data-start=\"3030\" data-end=\"3143\">S\u00e9lectionner les <strong data-start=\"3047\" data-end=\"3072\">SCPI les plus solides<\/strong> et performantes (taux d\u2019occupation, historique, secteur g\u00e9ographique\u2026)<\/p><\/li><li data-start=\"3144\" data-end=\"3220\"><p data-start=\"3146\" data-end=\"3220\">Adapter votre <strong data-start=\"3160\" data-end=\"3181\">mode de d\u00e9tention<\/strong> (direct, assurance-vie, d\u00e9membrement\u2026)<\/p><\/li><li data-start=\"3221\" data-end=\"3299\"><p data-start=\"3223\" data-end=\"3299\">Optimiser votre <strong data-start=\"3239\" data-end=\"3252\">fiscalit\u00e9<\/strong> selon votre situation (IR, IFI, transmission\u2026)<\/p><\/li><li data-start=\"3300\" data-end=\"3395\"><p data-start=\"3302\" data-end=\"3395\">Int\u00e9grer l\u2019investissement dans une strat\u00e9gie patrimoniale globale (PER, assurance-vie, LMNP\u2026)<\/p><\/li><\/ul><hr data-start=\"3397\" data-end=\"3400\" \/><h2 data-start=\"3402\" data-end=\"3423\">\ud83e\uddfe Exemple concret<\/h2><p data-start=\"3425\" data-end=\"3727\">\ud83d\udc49 Vous investissez <strong data-start=\"3445\" data-end=\"3474\">50 000 \u20ac en SCPI \u00e0 cr\u00e9dit<\/strong>. Vous percevez en moyenne <strong data-start=\"3501\" data-end=\"3531\">2 500 \u20ac de revenus annuels<\/strong>, tout en d\u00e9duisant les int\u00e9r\u00eats d\u2019emprunt de vos loyers, ce qui <strong data-start=\"3596\" data-end=\"3622\">all\u00e8ge votre fiscalit\u00e9<\/strong>. Dans le m\u00eame temps, vous vous constituez un <strong data-start=\"3668\" data-end=\"3703\">patrimoine immobilier mutualis\u00e9<\/strong> sans effort de gestion.<\/p><hr data-start=\"3729\" data-end=\"3732\" \/><h2 data-start=\"3734\" data-end=\"3759\">\u26a0\ufe0f Points de vigilance<\/h2><p data-start=\"3761\" data-end=\"4056\">Bien que les SCPI soient attractives, elles restent un <strong data-start=\"3816\" data-end=\"3842\">placement \u00e0 long terme<\/strong> (8-10 ans minimum). La valeur des parts peut fluctuer et les revenus ne sont pas garantis. L\u2019accompagnement par un professionnel est donc essentiel pour choisir les bons supports et bien calibrer l\u2019investissement.<\/p><hr data-start=\"4058\" data-end=\"4061\" \/><h2 data-start=\"4063\" data-end=\"4094\">\ud83d\udcde Pr\u00eat \u00e0 investir en SCPI ?<\/h2><p data-start=\"4096\" data-end=\"4248\">Chez <strong data-start=\"4101\" data-end=\"4121\">ASTRA Patrimoine<\/strong>, nous proposons un <strong data-start=\"4141\" data-end=\"4179\">diagnostic gratuit et personnalis\u00e9<\/strong> pour \u00e9tudier les meilleures opportunit\u00e9s en SCPI selon votre profil.<\/p><p data-start=\"4250\" data-end=\"4373\">\ud83d\udc49 <a href=\"https:\/\/astra-patrimoine.fr\/index.php\/contact\/\">Contactez-nous<\/a> d\u00e8s aujourd\u2019hui pour mettre en place une strat\u00e9gie patrimoniale solide et g\u00e9n\u00e9ratrice de revenus passifs.<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Les dispositifs Choisissez ce qui vous correspond le mieux L\u2019assurance-vie \ud83d\udcbc L\u2019assurance-vie : un pilier strat\u00e9gique de la gestion de patrimoine L&rsquo;assurance vie est un instrument financier de r\u00e9f\u00e9rence en France. Gr\u00e2ce \u00e0 sa souplesse et \u00e0 ses nombreux avantages fiscaux, elle s\u2019int\u00e8gre parfaitement dans une strat\u00e9gie globale de gestion de patrimoine, que ce soit [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4612,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_titles_title":"","_seopress_titles_desc":"Les meilleurs conseils en optimisation patrimoniale \u00e0 Reims. Investissement financier et immobilier. 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