{"id":2920,"date":"2015-05-03T11:13:11","date_gmt":"2015-05-03T09:13:11","guid":{"rendered":"http:\/\/www.life-magazine.be\/fr\/?p=2920"},"modified":"2016-02-25T15:55:02","modified_gmt":"2016-02-25T14:55:02","slug":"la-planification-patrimoniale-ne-simprovise-pas","status":"publish","type":"post","link":"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/la-planification-patrimoniale-ne-simprovise-pas","title":{"rendered":"La planification patrimoniale ne s\u2019improvise pas"},"content":{"rendered":"Reading Time: <\/span> 2<\/span> minutes<\/span><\/span>

L<\/span>\u2019investissement est in\u00e9vitablement associ\u00e9 \u00e0 la pension et \u00e0 la transmission, qui sont au centre de la planification patrimoniale. Pour garantir sa r\u00e9ussite, il faut allier les aspects humains \u00e0 la gestion financi\u00e8re tout en tenant compte d\u2019un environnement en perp\u00e9tuelle \u00e9volution.<\/strong><\/p>\n

\"Sans-titre-5\"La planification patrimoniale regroupe les placements, la fiscalit\u00e9 successorale ou mobili\u00e8re. La premi\u00e8re \u00e9tape est de d\u00e9terminer l\u2019objectif \u00e0 atteindre\u00a0: de la constitution d\u2019une \u00e9pargne pour le financement des \u00e9tudes des enfants \u00e0 la pr\u00e9paration de la succession en passant \u00e9videmment par la gestion de la fin de carri\u00e8re professionnelle. Si cet objectif peut d\u00e9j\u00e0 d\u00e9finir un horizon de placement, souvent le financier contraint le client \u00e0 l\u00e2cher du lest c\u00f4t\u00e9 familial, ce qui peut devenir n\u00e9faste \u00e0 la succession. Il est donc primordial de bien comprendre les rouages de la planification.<\/p>\n

R\u00e9duire l\u2019impact des droits de succession<\/strong><\/span><\/h3>\n

L\u2019aspect fiscal intervient \u00e9videmment dans la structuration d\u2019un patrimoine mais il est impossible de r\u00e9pondre favorablement aux demandes visant \u00e0 \u00ab\u00a0d\u00e9sh\u00e9riter l\u2019\u00c9tat\u00a0\u00bb. L\u2019important\u00a0: garder des patrimoines simples. \u00c0 la suite de l\u2019\u00e9volution de la l\u00e9gislation, de nombreuses personnes sont d\u00e9sormais embarrass\u00e9es par des structures complexes impliquant une multitude de pays. C\u2019est \u00e0 BKCP Banque de les rassurer et de leur proposer une solution ad\u00e9quate.<\/p>\n

Rationaliser son patrimoine<\/strong><\/span><\/h3>\n

En partenariat avec la compagnie luxembourgeoise NELL (\u00e9galement filiale du Cr\u00e9dit Mutuel Nord Europe), BKCP Banque propose le contrat d\u2019assurance-vie BKCP Opportunities. Celui-ci, r\u00e9glement\u00e9 par une directive europ\u00e9enne, offre de nombreux avantages.<\/p>\n

Premi\u00e8rement, on y retrouve la traditionnelle clause b\u00e9n\u00e9ficiaire en cas de d\u00e9c\u00e8s. Celle-ci permet de r\u00e9duire les droits de succession, en \u00e9vitant notamment la double taxation au d\u00e9c\u00e8s de l\u2019assur\u00e9 puis de son conjoint, et facilite la transmission du capital en d\u00e9signant les h\u00e9ritiers (dans le respect de la part r\u00e9servataire l\u00e9gale).<\/p>\n

Deuxi\u00e8mement, en tant que compagnie luxembourgeoise, NELL peut \u00e9galement proposer la co-souscription, qui n\u2019est pas pratiqu\u00e9e en Belgique.<\/p>\n

Troisi\u00e8mement, BKCP Opportunities pr\u00e9sente une grande flexibilit\u00e9 de gestion gr\u00e2ce aux options d\u2019arbitrage pour les fonds de placement en branche 23. Que cela soit le Stop Loss (seuil de perte) ou Take Profit (s\u00e9curit\u00e9 de la plus-value), une solution est propos\u00e9e en fonction du profil de l\u2019investisseur.<\/p>\n

Enfin, NELL se base sur le concept d\u2019architecture ouverte. Elle traite tous les gestionnaires sur un pied d\u2019\u00e9galit\u00e9, le choix de fonds \u00e9voluant principalement au gr\u00e9 des demandes de la client\u00e8le. Cette architecture ouverte est facilit\u00e9e par la r\u00e9glementation luxembourgeoise autorisant l\u2019inscription directe de fonds externes dans les contrats.<\/p>\n

R\u00e9ussir sa planification patrimoniale<\/strong><\/span><\/h3>\n

Chaque planification patrimoniale fait l\u2019objet d\u2019une approche sp\u00e9cifique et d\u2019un encadrement sur mesure. Et pour que cela soit une r\u00e9ussite, BKCP Banque a la volont\u00e9 de se montrer proche de ses clients. Pour cela, un maximum d\u2019\u00e9coute, de comp\u00e9tences et d\u2019outils sont propos\u00e9s.<\/p>\n

\n

 <\/p>\n

Nord Europe Life Luxembourg SA (NELL), rue Charles Martel 62 \u00e0 L-2134 Luxembourg est une compagnie d\u2019assurance vie luxembourgeoise plac\u00e9e sous le contr\u00f4le du Commissariat aux Assurances, 7, boulevard Royal, L-2449 Luxembourg. BKCP Opportunities est distribu\u00e9 par BKCP Banque SA. FSMA 023352A (fiche d\u2019information financi\u00e8re sur www.bkcpbanque.be<\/a>).<\/em><\/strong><\/h6>\n","protected":false},"excerpt":{"rendered":"

Reading Time: <\/span> 2<\/span> minutes<\/span><\/span>Pour r\u00e9ussir votre planification patrimoniale, rationalisez votre patrimoine en r\u00e9duisant l’impact des droits de succession… Conseils de sp\u00e9cialiste \u00e0 l’appui ! <\/p>\n","protected":false},"author":2,"featured_media":2937,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[4],"tags":[853,942,762],"class_list":["post-2920","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-droit-et-argent","tag-finance","tag-investissement","tag-patrimoine"],"yoast_head":"\nPlanification patrimoniale<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fiftyandmemagazine.be\/fr\/droit-et-argent\/la-planification-patrimoniale-ne-simprovise-pas\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Planification patrimoniale\" \/>\n<meta property=\"og:description\" content=\"Reading Time: 2 minutesPour r\u00e9ussir votre planification patrimoniale, rationalisez votre patrimoine en r\u00e9duisant l'impact des droits de succession... 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