🚀💰Contrat de capitalisation : l’outil méconnu pour booster votre épargne sans impôt ! GUIDE COMPLET

⚠️ Disclaimer: This video is for informational and educational purposes only. It does not constitute personalized advice or an inducement to invest. Some of the schemes or investment vehicles presented may involve risks (including capital loss or tax reclassification) that must be assessed on a case-by-case basis. Consult a qualified professional before making any decisions. ▶️ To contact us, go here: https://hagnere-investissement.fr/cal... ▶️ To learn more about our rates: https://www.hagnere-patrimoine.fr/ 📄 LMNP.AI, the site that's revolutionizing your accounting! https://lmnp.ai/ 🚨 SCI accounting from €16.99 excl. VAT / month: https://sci-ai.app/ ⚠️ Consultation and SCI creation (€69 excl. VAT): https://calendly.com/sci-ai-app ▶️ To invest in high-yield real estate: https://www.hagnere-investissement.fr/ ▶️ Our free simulators are available at https://www.hagnere-investissement.fr/ Hagnéré Patrimoine - Wealth management consulting firm Hagnéré Investissement - Branch for investing in apartment buildings or apartments with a 9.60% yield ▬▬▬▬▬ CONTACT ▬▬▬▬▬ 🌐 https://www.hagnere-patrimoine.fr/ 📧 [email protected] ☎️ Tel: +33 3 74 47 20 18 ▶️ YouTube Channel: https://www.youtube.com/@HagnerePatri... 📄 Areas of Expertise: Tax Optimization Investments Financial Planning Financing Advice & Consulting A capitalization contract is a medium- to long-term savings investment offered by insurance companies, banks, and wealth management advisors. It works similarly to life insurance: funds are deposited and then invested to grow over time. There are two main investment vehicles: euro funds, which are guaranteed and low-risk, offering a return of around 3-4% per year, and unit-linked funds, which are more dynamic but volatile, allowing for returns of 10% to 20% depending on the markets. One of the advantages of a capitalization contract is its tax-efficient capitalization effect. Unlike life insurance, gains are not subject to social security contributions every year, but only upon redemption. This allows compound interest to be fully reinvested and optimizes capital growth. Savers can make lump-sum or regular contributions and choose between self-directed management (where they select their own investments), discretionary management entrusted to a professional, target-date management adjusted according to age and retirement goals, or dedicated management, generally reserved for high-net-worth individuals. Capitalization contracts and life insurance share many similarities: the same investment vehicles, the possibility of withdrawals at any time, and an online client portal to track investment performance. Their taxation is also similar, particularly regarding withdrawals after eight years, which benefit from an annual allowance of €4,600 for a single person and €9,200 for a couple. However, capitalization contracts do not offer the inheritance advantages of life insurance, as they are passed on with standard inheritance tax upon death. They are therefore better suited to individuals wishing to optimize their assets over the long term, without the goal of advantageous inheritance. 00:00 - What is a capitalization contract? 03:39 - Capitalization Contract VS Life Insurance #capitalization #stockmarket #trading #investment #trader #inflation