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, Marie-Line, 64 and freshly retired, is looking for a savings strategy that allows her to prepare for the future and transmit her capital in the best tax conditions.
Two additional products for savings and transmission
For Guillaume Berthiaux, the choice of life insurance is naturally essential: “It’s a savings best-seller in France, and for good reasons. It allows both to save for yourself, to use your retirement capital and to transmit with a very favorable tax regime. ” However, Marie-Line already has a PER, whom she wishes to keep, she specifies. A very good decision according to our expert: “Life insurance and the PER are complementary. The PER can provide you with retirement annuities for example, while life insurance allows you to maintain available capital. What is more, the two devices are effective for transmission ”confirms Guillaume Berthiaux. These two savings products make it possible to transmit with advantageous taxation.
It remains to be seen whether, at 64, Marie-Line must invest in a prudent or risky manner with these two envelopes. Age does not necessarily take into account, according to Guillaume Berthiaux: “It’s not just a question of age. You can be old and want to jump into a parachute, or be young and not want to climb a tree. It depends on the investor profile and the heritage surface. If you just have enough to support your needs, it is better to secure. Otherwise, we can continue to take a little risk. ” In summary, life insurance is a tool indicated for you, Marie-Line. It effectively completes your PER, and will allow you to transmission of heritage with lighter taxation. However, the allowance must be adjusted according to your risk aversion and your projects.
Ask our experts to our experts
A question about your investments, a succession, your taxes or your real estate investments? Each month, we select several and submit them to our experts who will enlighten you on all the subjects that affect your money. To ask them your questions, an address: question@capital.fr
