How to lighten its "invoice" taxes or increase its income without additional taxes?

How to lighten its "invoice" taxes or increase its income without additional taxes?


financial investments
Regulated booklets

Sustainable Development Booklet (LDD) with a low rate of pay, 0.75% since August 1st, or even attractive, the booklet has as the Sustainable Development Booklet (LDD) have less interest, while still revealing Useful because they can accommodate up to € 22950 and 12000 € deposits (excluding interest capitalization), these two regulated booklets (booklet A: Decree No. 2012-1445 of 24/12/2012; LDD: Decree No. 2012- 1057 of 18/09/2012) are guaranteed by the State, totally liquid and exempt from expenses, not to mention that their income, even weak, escape tax and social levies (15.5%). By filling up as much as possible these two booklets, a couple will be able to have 6,9900 € (45900 + 24000 €) of safe savings, which climb to € 115800 (69900 + 45 900) if there is for example two children also holders of Booklet A. It is even possible to do better, when the saver is not taxable on his income (depending on his relevant tax income capped in relation to his number of family quota units), with the popular savings booklet , guaranteed and exempt, and reporting 1.25% since 01/08/2015, for a maximum payment of 7700 €.
Life insurance

Vietouday insurance contract appreciated by the French (more than 90 billion euros from collecting since the beginning of the year), life insurance involves various tax breaks. Subject to an 8-year commitment, and to perform any withdrawal, the products generated by the contract management totally escape tax, apart from the social levies of 15.5% each year, on the performance of the Fund. in euros. They are particularly appreciable in case of option for the subscription of account units, more dynamic but risky supports, invested in shares, bonds, real estate. Indeed, the securities account is taxed, the capital gains capitalized within the contract, they are exempt from both income tax and social levies (but not at the exit).

It is also possible to draw occasionally in its contract: if the withdrawal takes place during the first four years of subscription, the cumulative revenues will be taxed at 35%, and if it takes place between the fifth and the eighth year of detention the contract will be at 15%. The taxation does not apply on the entire withdrawal, but only on the part of the corresponding income.

Beyond the eight years, the revenues of the contract are subject to a flat-rate tax of 7.5%, after slaughtering (4600 € for a single person, 9200 € for a couple), which means that it is enough to go out Gradually of the contract by respecting this threshold for never having anything to the tax.

In addition, at the successor level, life insurance benefits from a derogatory plan which allows to transmit to the beneficiary of his choice up to € 152,500 duty of transfer duties (a reduction of € 152,500 is indeed applied )
Action Savings Plan (PEA)

Epargne Plan (PEA) The PEA, which must be kept at least 5 years for its capital gains to be exonerated, welcomes European equities (100% of the investment if it is done directly or 75% if it passes through mutual funds). It is more risky than life insurance and binding in terms of investment choice, but it is a privileged savings product to build a non-taxable portfolio, excluding, social levies, which can accommodate up to at 150000 € per person (300000 € for a couple). In the event of non-compliance with the detention period, the plan is closed and the gains are taxed at 22.5% (rates plus social levies) if the exit comes less than two years after the opening of the plan at 19% between two and five years later.

Beyond eight years withdrawals are free but payments are no longer possible. In addition, the PEA can be transformed into a lifetime (lifetime) annuity, and those who have a ten-year horizon before them and want to help businesses, solutions exist with the PEA-SME, which allows to place up to 75000 € additional per person, in titles of targeted European companies (less than 5000 employees and limited turnover to 1.5 billion euros), under the same tax conditions as the PEA.
Housing Savings Plan (PEL)

Housing Savings Plan (PEL) Investors who may carry out medium-term investments at their disposal the housing savings. Long to 2.5%, the remuneration of Housing Savings Plans (ELP) has been reduced to 2% (gross rate, savings premium not included), for open plans since February,