FiscalitédesSICAVetFCP FiscalitédesSICAVetFCP VouspouvezacheteretdétenirdesSICAVetFCPdanslecadrede3 dispositifs :lePland’ÉpargneenActions(PEA),lecompte-titresetl’assurancevie.Cesdispositifssedifférencientparleurplafonddeversement,ladisponibilitédessommesplacées,etsurtoutparleurfiscalité.D’oùl’intérêtdecombinercesdispositifs ! FiscalitédesSICAVetFCP Àchaqueprofild’investisseurcorrespondundispositiffiscaladapté.Enfonctiondevosobjectifsparticuliers,vousopterezpouruncompte-titres,unPland’EpargneenActions(PEA)ouuneassurancevie. LECOMPTE-TITRES ORDINAIRE :SIMPLICITÉETSOUPLESSE Lecompte-titresordinaireconstituelafaçonlaplussimplededétenirdesSICAVetFCP.Aucunplafonddedépôtn’estimposéetvotreépargnerestedisponibleàtoutmoment.Parailleurs,tousvosOPCpeuventparprincipeyêtrelogés.  LafiscalitédesSICAVetFCPdétenussuruncompte-titresdépend : delanaturedessupports détenus(SICAVetFCPinvestisenactions,obligations,etc.), delanaturedelamatièreimposable(revenusd’actions,d’obligationsouplus-values).   Abattementsurimpositiondesplus-values 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  LEPEA :UNEFISCALITÉTRESATTRACTIVEPOURINVESTIRDANSDESACTIONSEUROPÉENNES Boucle2 LePEAestuncompted’épargneenactionsquipermet,souscertainesconditions,d’êtreexonéréd’impôtsurlesplus-valueséventuellementréalisées.IloffredoncuncadrefiscalavantageuxpourinvestirdansdesSICAVetFCPéligiblesauPEA. Lafiscalitéavant5ansdedétention Lesplus-valuesréaliséesetlesrevenuscapitaliséssontimposésautauxforfaitairede12,8%+prélèvementssociauxde17,2%(oubarèmeprogressifdel'IRsioptionglobaleducontribuable). UnretraitduPEAavant5ansentraînelaclôtureautomatiqueduPEA. Lasortieavant5ansduPEApeutsefaireencapitalouenrente(soumisàl'IR). Lafiscalitéaprès5ansdedétention Lesplus-valuesréaliséesetlesrevenuscapitaliséssontexonérésd’impôts,horsprélèvementssociaux(tauxde17,2%). Lesretraitspeuventêtrepartielsouentotalité(nouveauxversementspossibles). Après5ans,lasortieduPEApeutsefaireencapitalouenrenteexonéréed'IRetdeprélèvementssociauxsurunepartiedelarente(enfonctiondel'âge). Pourpouvoirêtre« logés »dansunPEA,lesSICAVouFCPdoiventêtreinvestisà75%enactionsd'entreprisesdel'UnionEuropéenne.VouspouvezalimentervotrePEAquandetcommevouslesouhaitez,danslalimitede150000parépargnant.   Depuisle1erjanvier2014,lePEA-PME :lesavantagesduPEAétendusauxPMEetETI(Entreprisesdetailleintermédiaire) 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    L’ASSURANCEVIEMULTISUPPORT :UNEFISCALITÉFAVORABLE Uncontratd’assuranceviemultisupportestinvestiàlafoissurdessupportssécuriséseneurosetdessupportsenUnitésdeCompte(UC).Plusrisqués,ilssontaussipotentiellementplusperformants. Parcequ’ilestpossibled’effectuerdesachats/ventes(appelés« arbitrages »)versl’unoul’autredecessupports,l’assuranceviemultisupportpermetderépondreàplusieursobjectifs : seconstituerouvaloriseruncapital, préparersaretraite, transmettreuncapital. Principalavantage decescontrats:leurfiscalitéfavorable.Au-delàde8ansdedétention,vousbénéficiezeneffet d’unabattementde4600parpersonne(9200pouruncouple)surleproduitacquisouconstatéducontrat.Lafractionrestanteestalorssoumisesoitaubarèmeprogressifdel’impôtsurlerevenu,soitàunprélèvementforfaitairelibératoire(PFL)de7,50%(auxquelss’ajoutentlesprélèvementssociauxde15,50%). Remarque :sileproduitacquisouconstatéaprès8ansestinférieuràl’abattement,vousbénéficierezd’uneexonérationdel’ImpôtsurleRevenupourceproduit. Enfin,votreépargnerestetoujoursdisponible.Vouspouvezeffectuerdesretraits(appelés« rachats »)partielsetmêmeunretraittotal,sansclôturervotreassurancevie. Vousavezalorslechoixentrel’impositionsurlerevenuouleprélèvementforfaitairelibératoire : autauxde35%avant4ansdedétention(+prélèvementssociauxde15,50%), autauxde15%entre4et8 ansdedétention(+prélèvementssociauxde15,50%) FAUT-ILOPTERPOURLEPFLOUL'IMPÔTSURLEREVENU? %3Ctr%3E%3Ctd%3EPour%3CC%3AcallSpace%3Efaire%3CC%3AcallSpace%3Ele%3CC%3AcallSpace%3Ebon%3CC%3AcallSpace%3Echoix%2C%3CC%3AcallSpace%3Eestimez%3CC%3AcallSpace%3Ed%3Fabord%3CC%3AcallSpace%3Ele%3CC%3AcallSpace%3Emontant%3CC%3AcallSpace%3Ede%3CC%3AcallSpace%3Evotre%3CC%3AcallSpace%3Eimp%F4t%3CC%3AcallSpace%3Eau%3CC%3AcallSpace%3Etitre%3CC%3AcallSpace%3Ede%3CC%3AcallSpace%3El%3Fimp%F4t%3CC%3AcallSpace%3Esur%3CC%3AcallSpace%3Ele%3CC%3AcallSpace%3Erevenu%3CC%3AcallSpace%3Een%3CC%3AcallSpace%3Evous%3CC%3AcallSpace%3Ebasant%3CC%3AcallSpace%3Esur%3CC%3AcallSpace%3Evotre%3CC%3AcallSpace%3Etaux%3CC%3AcallSpace%3Emarginal%3CC%3AcallSpace%3Ed%3Fimposition.%3CC%3AcallSpace%3EComparez-le%3CC%3AcallSpace%3Eensuite%3CC%3AcallSpace%3Eau%3CC%3AcallSpace%3Emontant%3CC%3AcallSpace%3Ede%3CC%3AcallSpace%3El%3Fimp%F4t%3CC%3AcallSpace%3Eque%3CC%3AcallSpace%3Evous%3CC%3AcallSpace%3Eauriez%3CC%3AcallSpace%3E%E0%3CC%3AcallSpace%3Epayer%3CC%3AcallSpace%3Een%3CC%3AcallSpace%3Eutilisant%3CC%3AcallSpace%3Ele%3CC%3AcallSpace%3EPFL.%3CC%3AcallSpace%3EVous%3CC%3AcallSpace%3Epouvez%3CC%3AcallSpace%3Emodifier%3CC%3AcallSpace%3Eune%3CC%3AcallSpace%3Efois%3CC%3AcallSpace%3Epar%3CC%3AcallSpace%3Ean%3CC%3AcallSpace%3Evotre%3CC%3AcallSpace%3Echoix%2C%3CC%3AcallSpace%3Eentre%3CC%3AcallSpace%3EPFL%3CC%3AcallSpace%3Eou%3CC%3AcallSpace%3Ed%E9claration%3CC%3AcallSpace%3E%E0%3CC%3AcallSpace%3El%3Fimp%F4t%3CC%3AcallSpace%3Esur%3CC%3AcallSpace%3Ele%3CC%3AcallSpace%3Erevenu%2C%3CC%3AcallSpace%3Epour%3CC%3AcallSpace%3Echacun%3CC%3AcallSpace%3Ede%3CC%3AcallSpace%3Evos%3CC%3AcallSpace%3Ecomptes%3CC%3AcallSpace%3Eaupr%E8s%3CC%3AcallSpace%3Ede%3CC%3AcallSpace%3Evotre%3CC%3AcallSpace%3Ebanque.%3C%2Ftd%3E%3C%2Ftr%3E BONASAVOIR %3Ctr%3E%3Ctd%3EVous%3CC%3AcallSpace%3Epouvez%3CC%3AcallSpace%3Ed%E9tenir%3CC%3AcallSpace%3Eautant%3CC%3AcallSpace%3Ede%3CC%3AcallSpace%3Ecomptes-titres%3CC%3AcallSpace%3Eet%3CC%3AcallSpace%3Ede%3CC%3AcallSpace%3Econtrats%3CC%3AcallSpace%3Ed%3Fassurance%3CC%3AcallSpace%3Evie%3CC%3AcallSpace%3Eque%3CC%3AcallSpace%3Evous%3CC%3AcallSpace%3Ele%3CC%3AcallSpace%3Esouhaitez.%3CC%3AcallSpace%3EVous%3CC%3AcallSpace%3Ene%3CC%3AcallSpace%3Epouvez%3CC%3AcallSpace%3Een%3CC%3AcallSpace%3Erevanche%3CC%3AcallSpace%3Ed%E9tenir%3CC%3AcallSpace%3Equ%3Fun%3CC%3AcallSpace%3Eseul%3CC%3AcallSpace%3EPEA%3CC%3AcallSpace%3Epar%3CC%3AcallSpace%3Epersonne.%3C%2Ftd%3E%3C%2Ftr%3E Pland’ÉpargneenActions(PEA),compte-titresetassurancevie :3 dispositifsdistincts   N’hésitezpasàlescombinerenfonctiondevosobjectifsd’investissement FiscalitéSICAV,fiscalitéFCP-LCL Ilexiste3dispositifsfiscauxpossiblespourinvestirdansdesOPC(SICAVetFCP) :lePEA,lecompte-titresetl’assurancevie. 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