Capitalization Contract

The capitalization contract stands out as an essential financial instrument, allowing investors to diversify their portfolio through a wide range of assets such as stocks, bonds, and investment funds. Unique in its kind, this savings and investment product differs from life insurance in its legal structure, focusing exclusively on the financial aspect without covering death risk.

 

Advantages of the capitalization contract

 

•Optimized wealth management: Ideal for building and managing financial wealth, it promotes asset diversification and offers potential capital growth.

•Advantageous tax optimization: Benefiting from a favorable tax regime, particularly after 8 years of holding, it allows efficient tax management of capital gains.

•Simplified capital transmission: Although offering less flexibility compared to life insurance for transmission, it presents significant inheritance advantages for direct heirs.

•Investment liquidity: Invested funds remain accessible, allowing partial or total redemptions based on the investor’s needs.

 

Considerations to keep in mind

•Limitations in case of death: The contract does not allow the designation of a beneficiary in case of death, incorporating the sums into the investor’s estate.

•Less favorable inheritance tax: Compared to life insurance, the tax benefits when transferring to third parties are reduced.

 

Taxation of the capitalization contract

The favorable taxation after eight years of holding highlights the Flat Tax (PFU) of 30%, including social contributions, with annual allowances. This tax structure encourages long-term savings and wealth planning.

 

Why opt for a capitalization contract with Apex Capital?

 

At Apex Capital, our expertise in wealth management allows us to guide you in optimally integrating the capitalization contract into your overall strategy. We assist you in:

•Selecting investments aligned with your financial aspirations.

•Optimizing your tax situation by leveraging the benefits of the contract.

•Planning the transmission of your wealth in accordance with your succession desires.

 

In conclusion

The capitalization contract emerges as a strategic solution for wealth management, tax optimization, and capital transmission. Although less common than life insurance, its advantages make it a relevant choice for many investors. With Apex Capital, fully exploit the capabilities of this device to achieve your wealth and tax objectives.

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