{"id":1228,"date":"2026-07-15T11:47:59","date_gmt":"2026-07-15T09:47:59","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=1228"},"modified":"2026-07-15T11:47:59","modified_gmt":"2026-07-15T09:47:59","slug":"succession-pourquoi-72-des-francais-n-ont-rien-prepare","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/succession-pourquoi-72-des-francais-n-ont-rien-prepare","title":{"rendered":"Succession : pourquoi 72% des Fran\u00e7ais n’ont rien pr\u00e9par\u00e9"},"content":{"rendered":"

La pr\u00e9paration de la succession<\/a> reste un angle mort pour une large majorit\u00e9 des Fran\u00e7ais. Ils sont pourtant pr\u00e8s de huit sur dix (79%) \u00e0 juger les droits de succession<\/a> excessifs. Mais un paradoxe saute aux yeux : ceux-l\u00e0 m\u00eames qui d\u00e9noncent une fiscalit\u00e9 confiscatoire ignorent, \u00e0 81%, les dispositifs l\u00e9gaux qui permettraient de l’all\u00e9ger. R\u00e9sultat : 72% des Fran\u00e7ais n’ont engag\u00e9 aucune action pour pr\u00e9parer la transmission de leur patrimoine, selon un sondage publi\u00e9 par l’institut Discurv pour le r\u00e9seau ind\u00e9pendant de conseillers en gestion de patrimoine Inov\u00e9a(*)<\/em>.<\/p>\n

Dans le d\u00e9tail, 59% des personnes interrog\u00e9es n’ont pris aucune mesure et 12% reconnaissent ne pas savoir quelles solutions existent. Seuls 29% ont d\u00e9j\u00e0 activ\u00e9 au moins un levier (testament, donation, assurance vie ou d\u00e9membrement).<\/p>\n

<\/span>Une taxation massivement jug\u00e9e confiscatoire<\/span><\/h2>\n

Ce sentiment d’une fiscalit\u00e9 trop lourde nourrit une forte demande d’all\u00e8gement : une large majorit\u00e9 se prononce en faveur d’une exon\u00e9ration, \u00e0 des niveaux variables. Les seuils de 300 000 euros (29%) et de 100 000 euros (20%) recueillent le plus de suffrages, tandis que seuls 11% se disent oppos\u00e9s \u00e0 toute exon\u00e9ration.<\/p>\n

Pourquoi une telle inaction ? Plus d’un tiers des personnes interrog\u00e9es (34%) estiment avoir encore le temps d’y r\u00e9fl\u00e9chir. Un quart (25%) consid\u00e8re ne pas disposer d’un patrimoine suffisant \u00e0 transmettre. D’autres pr\u00e9f\u00e8rent esquiver un sujet qui renvoie \u00e0 la fin de vie (13%), jugent les r\u00e8gles trop complexes (13%) ou ne savent pas vers quel professionnel se tourner (11%).<\/p>\n

<\/span>Des dispositifs l\u00e9gaux largement m\u00e9connus<\/span><\/h2>\n

Le d\u00e9ficit d’information, d\u00e9j\u00e0 point\u00e9, se confirme dans le d\u00e9tail : 45% des r\u00e9pondants ignorent totalement l’existence des m\u00e9canismes permettant de r\u00e9duire l\u00e9galement les droits de succession, et 36% savent qu’ils existent sans pouvoir les identifier. Seuls 19% d\u00e9clarent les ma\u00eetriser.<\/p>\n

Cons\u00e9quence : 60% s\u2019estiment insuffisamment inform\u00e9s pour prendre les bonnes d\u00e9cisions s’ils devaient h\u00e9riter ou transmettre d\u00e8s demain. \u00c0 l’inverse, seuls 40% se disent plut\u00f4t ou tout \u00e0 fait capables de faire les bons choix.<\/p>\n

<\/span>Des risques identifi\u00e9s, mais rarement anticip\u00e9s<\/span><\/h2>\n

Les dangers d’une transmission mal pr\u00e9par\u00e9e sont pourtant largement per\u00e7us. Plus de sept Fran\u00e7ais sur dix (71%) redoutent des cons\u00e9quences financi\u00e8res lourdes pour les h\u00e9ritiers. Malgr\u00e9 cette lucidit\u00e9, pr\u00e8s d’une personne sur deux (49%) n’a jamais sollicit\u00e9 ni envisag\u00e9 de consulter un sp\u00e9cialiste de la transmission patrimoniale pour l’accompagner dans ces d\u00e9marches. Ils sont 24% \u00e0 y songer et seulement 19% \u00e0 avoir d\u00e9j\u00e0 franchi le pas.<\/p>\n

Quant au moment id\u00e9al pour s’y atteler, les sond\u00e9s penchent pour la cinquantaine : 28% citent la tranche 50-60 ans et 23% celle des 60-70 ans. Ils ne sont que 21% \u00e0 estimer qu’il faut commencer avant 50 ans.<\/p>\n

(*)<\/sup><\/em> M\u00e9thodologie\u00a0: \u00e9tude r\u00e9alis\u00e9e par l’institut Discurv pour Inov\u00e9a le 25 juin 2026 aupr\u00e8s d’un \u00e9chantillon repr\u00e9sentatif de 1 000 personnes.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Un sondage r\u00e9v\u00e8le que pr\u00e8s de trois de nos compatriotes sur quatre n’ont entrepris aucune d\u00e9marche pour pr\u00e9parer la transmission de leur patrimoine. En cause : le sentiment d’avoir le temps, mais aussi un r\u00e9el manque d’information.<\/p>\n","protected":false},"author":13719,"featured_media":1230,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1228","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"acf":[],"yoast_head":"\nSuccession : pourquoi 72% des Fran\u00e7ais n'ont rien pr\u00e9par\u00e9<\/title>\n<meta name=\"description\" content=\"Selon un sondage, 72% des Fran\u00e7ais n'ont rien pr\u00e9par\u00e9 pour transmettre leur patrimoine. 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