Each month, the “big savings meeting” (capital / radio heritage) answers your questions in the “your questions, our answers” sequence. Our experts – notaries, taxpiens, heritage advisers – accompany you on all your money questions. Today, Olivier wishes to understand how the tax on his stock market gains will be calculated, after having sold Société Générale shares with added value, and Worldline shares with a capital loss.
Capital loss and added value compensate
The answer is clear: no, you will not pay 30% of tax on the entire added value. Tax services allow you to Compensate for your losses and your same nature earningsthat is to say your transfers of securities (actions, UCITS, SICAV, etc.). “The principle is simple: we cook, we compensate for the capital gains by the losses”summarizes Benoist Lombard, president of Maison Laplace and deputy managing director of the Crystal group. In your case, you have made 2,800 euros in capital gain And 1,000 euros in value.
You will therefore be imposed on the differenceeither 1,800 euros. Once this compensation has been completed, the net gain is subject to the single flat-rate levy (PFU), also called Flat-Tax, at the rate of 30 %. It is broken down into 12.8% income tax and 17.2% of social security contributions. Thus, in your case, the tax will amount to 540 euros (30% of 1,800 euros). And if you had made more losses than earnings, you would simply have paid nothing that year, “And the balance would have been carried forward for 10 years on your future capital gains of the same nature”add Benoist Lombard.
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