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CAPI, PEA CONTRACTS

These contracts can be subscribed to by a natural as well as a legal person, under certain conditions.

Whatever your investment profile, these contracts of capitalisation can be made suitable to your wishes as they can place your savings in Euro-funds or stock-account units.

The contract Capitalisation is an addition to a simple Life Insurance. It allows you to organise and to anticipate the transmission of your heritage at lifetime or after your death.

At the time of your decease, the contract of capitalisation is incorporated in the assets of your heritage and is subject to succession rights which are calculated on the base of the actual value of the contract on the day of your decease and on the degree of the relationship of the heir

Your decease does not automatically end the contract. During the division of the heritage, the contract can be continued by one of the heirs or by all of them combined

The heirs can continue the contract, thus able to profit of the tax advantages that are acquitted. To avoid situations of combined ownership, it is advisable to preview as many contracts as there are heirs.

If, nevertheless, the heirs decide not to continue the contracts, they can ask for a buy-out. In the case of a combined ownership, all the heirs involved need to agree to terminate the contract.
Like the contracts of Life Insurance Capitalisation, the contracts of capitalisation do count for the total of your financial means that is the base to determine the amount of the tax ISF.

A contract of capitalisation can be declared:

for its nominal value, that is the sum of the payments done, after deduction of the costs involved. This way, the built up capital gain is excluded, giving a substantial fiscal advantage
for its real (gross) value on January the 1st in case of losses on the contract.

The PEA insurance contract is just a savings account PEA that is held by an insurance company within the framework of a contract of capitalisation held in stock-account units. The underlying values for the PEA insurance are the same as for a normal PEA, issued by a bank.

The PEA capitalisation contract is a savings account PEA that is held by an insurance company within the framework of a contract of capitalisation held in stock-account units. It enables you to invest
in oPCVM contracts whose portfolio is mainly composed of shares in companies subject to the ISF under the conditions of common law.

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