If life insurance is essential to develop long-term capital and pass it on, it lacks a few blades in this famous Swiss Army knife of the saver.
To respond to certain heritage concerns, capitalization contracts are proving to be much better suited.
However, the two placements are not in competition.
The ideal is to have both envelopes to combine their strengths.
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The unsuspected charms of the capitalization contract
Financially, the products are also strictly identical.
They make it possible to invest in the markets and to secure savings on a fund in euros.
Fiscally, they benefit from the same preferential treatment during withdrawals.
The only real difference is the transmission.
Unlike life insurance, the capitalization contract is part of the estate, it can be bequeathed and above all it can be given.
It's a big asset, but it's not the only one.
1. To transmit while alive
“Since 2005, capitalization contracts can be kept as long as desired.
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