{"id":54902,"date":"2025-02-12T16:02:57","date_gmt":"2025-02-12T15:02:57","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/placements\/?p=54902"},"modified":"2025-08-20T09:52:37","modified_gmt":"2025-08-20T07:52:37","slug":"preparer-sa-retraite-financer-les-etudes-des-enfants","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/placements\/preparer-sa-retraite-financer-les-etudes-des-enfants.html","title":{"rendered":"Pr\u00e9parer sa retraite, financer les \u00e9tudes des enfants"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"Situation_et_objectifs_du_couple\"><\/span>Situation et objectifs du couple<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Objectifs prioritaires :<\/strong><\/p>\n<ul>\n<li>Pr\u00e9parer leur retraite (horizon 20 ans).<\/li>\n<li>Financer les \u00e9tudes sup\u00e9rieures de leurs deux enfants (12 et 15 ans).<\/li>\n<\/ul>\n<p><strong>Objectifs compl\u00e9mentaires :<\/strong><\/p>\n<ul>\n<li>R\u00e9\u00e9quilibrer la composition de leur patrimoine.<\/li>\n<li>Se prot\u00e9ger entre conjoints sans l\u00e9ser les enfants (transmission).<\/li>\n<\/ul>\n<p><strong>Pr\u00e9sentation du couple :<\/strong><\/p>\n<p>Aur\u00e9lie (43 ans, pharmacienne salari\u00e9e) et Nicolas (45 ans, cadre dans une entreprise priv\u00e9e) sont mari\u00e9s sous le r\u00e9gime de la communaut\u00e9 r\u00e9duite aux acqu\u00eats et ont deux enfants \u00e0 charge. Le couple dispose d\u2019un patrimoine immobilier et financier cons\u00e9quent mais peu diversifi\u00e9.<\/p>\n<p><strong>Situation patrimoniale :<\/strong><\/p>\n<ul>\n<li>R\u00e9sidence principale : 550.000 \u20ac (cr\u00e9dit en cours : 200.000 \u20ac).<\/li>\n<li>Immobilier locatif : 800.000 \u20ac (2 appartements).<\/li>\n<li>R\u00e9sidence secondaire : 200.000 \u20ac (non lou\u00e9e).<\/li>\n<li>\u00c9pargne : 10.000 \u20ac (compte courant), 100.000 \u20ac (livrets), 50.000 \u20ac (assurance vie, 100% fonds en euros).<\/li>\n<li>Nicolas a acc\u00e8s \u00e0 un PER d\u2019entreprise collectif (Pereco) ; celui-ci pr\u00e9voit un abondement par son employeur \u00e0 hauteur de 100% des versements volontaires dans la limite de 2.000 \u20ac par an.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Constats_sur_la_situation_patrimoniale_du_couple\"><\/span>Constats sur la situation patrimoniale du couple<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ol>\n<li><strong>Exc\u00e8s d\u2019\u00e9pargne de pr\u00e9caution<\/strong> : 100.000 \u20ac sur livrets, repr\u00e9sentant 10 mois de revenus, alors que 6 mois suffiraient.<\/li>\n<li><strong>Part trop importante de l\u2019immobilier dans le patrimoine<\/strong> : pr\u00e8s de 85%.<\/li>\n<li><strong>Z\u00e9ro diversification de l\u2019\u00e9pargne financi\u00e8re<\/strong> : absence de placements permettant de dynamiser la performance et de r\u00e9pondre aux diff\u00e9rents objectifs du couple (pr\u00e9paration de la retraite, r\u00e9\u00e9quilibrage du patrimoine).<\/li>\n<li><strong>Rendement locatif faible et charges croissantes<\/strong> : l\u2019appartement locatif 1 et la r\u00e9sidence secondaire deviennent co\u00fbteux (charges de copropri\u00e9t\u00e9, imp\u00f4ts locaux).<\/li>\n<li><strong>Absence de dispositions successorales<\/strong> : risque d\u2019application par d\u00e9faut des r\u00e8gles de d\u00e9volution l\u00e9gale.<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"Recommandations_pour_atteindre_leurs_objectifs\"><\/span>Recommandations pour atteindre leurs objectifs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-large wp-image-54903\" src=\"https:\/\/www.toutsurmesfinances.com\/placements\/wp-content\/uploads\/sites\/7\/2025\/02\/Cas-pratique-01-617x463.png\" alt=\"\" width=\"617\" height=\"463\" srcset=\"https:\/\/www.toutsurmesfinances.com\/placements\/wp-content\/uploads\/sites\/7\/2025\/02\/Cas-pratique-01-617x463.png 617w, https:\/\/www.toutsurmesfinances.com\/placements\/wp-content\/uploads\/sites\/7\/2025\/02\/Cas-pratique-01-300x225.png 300w, https:\/\/www.toutsurmesfinances.com\/placements\/wp-content\/uploads\/sites\/7\/2025\/02\/Cas-pratique-01.png 1024w\" sizes=\"auto, (max-width: 617px) 100vw, 617px\" \/><\/p>\n<p><strong>1. Optimiser l\u2019\u00e9pargne de pr\u00e9caution<\/strong><\/p>\n<ul>\n<li>R\u00e9duire l\u2019\u00e9pargne liquide de 100.000 \u20ac \u00e0 60.000 \u20ac (6 mois de revenus), r\u00e9partie sur Livret A et LDDS.<\/li>\n<li>R\u00e9allouer les 40.000 \u20ac restants (LDDS et CSL) vers un contrat d\u2019assurance vie.<\/li>\n<li>Dynamiser une partie de cette \u00e9pargne \u00e0 long terme pour r\u00e9pondre aux objectifs de retraite ou de transmission.<\/li>\n<\/ul>\n<p><strong>2. R\u00e9allouer une partie des actifs immobiliers<\/strong><br \/>\nProposer la vente :<\/p>\n<ul>\n<li><strong>De l\u2019appartement locatif 1<\/strong> : rendement m\u00e9diocre et probl\u00e8mes de relocation.<\/li>\n<li><strong>De la r\u00e9sidence secondaire<\/strong> : charges fiscales \u00e9lev\u00e9es et non indispensable.<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline\">Produits estim\u00e9s des ventes<\/span> : 700.000 \u20ac (apr\u00e8s fiscalit\u00e9).<\/p>\n<p><span style=\"text-decoration: underline\">R\u00e9investissement conseill\u00e9 :<\/span><\/p>\n<ul>\n<li>Contrats d\u2019assurance vie (enveloppes \u00e9quilibr\u00e9es, fonds en euros et actions).<\/li>\n<li>Placements diversifi\u00e9s pour une meilleure esp\u00e9rance de rendement.<\/li>\n<\/ul>\n<p><span style=\"text-decoration: underline\">Int\u00e9r\u00eats de ces op\u00e9rations :<\/span><\/p>\n<ul>\n<li>R\u00e9\u00e9quilibrage immobilier\/financier (objectif : 50\/50).<\/li>\n<li>\u00c9conomies fiscales : 5.720 \u20ac par an (r\u00e9duction de l\u2019imp\u00f4t sur le revenu, taxe fonci\u00e8re et taxe d\u2019habitation sur les r\u00e9sidences secondaires).<\/li>\n<li>Liquidit\u00e9s disponibles pour financer les \u00e9tudes des enfants et le compl\u00e9ment de retraite.<\/li>\n<\/ul>\n<p><strong>3. Anticiper les \u00e9tudes des enfants<\/strong><\/p>\n<p>Cr\u00e9er deux contrats d\u2019assurance vie, un pour chaque enfant, dot\u00e9s chacun de 50 000 \u20ac (via donation des parents, exon\u00e9r\u00e9e de droits). Mise en place d\u2019arbitrages programm\u00e9s et de versements mensuels pour lisser l\u2019entr\u00e9e sur les march\u00e9s.<\/p>\n<p>Allocations propos\u00e9es :<\/p>\n<ul>\n<li>12 ans : forte part en actions pour un horizon long.<\/li>\n<li>15 ans : allocation plus \u00e9quilibr\u00e9e (obligations dat\u00e9es pour horizon 3 ans).<\/li>\n<\/ul>\n<p><strong>4. Structurer l\u2019\u00e9pargne pour la retraite<\/strong><\/p>\n<p>Ouvrir un PER individuel pour chacun des \u00e9poux et optimiser les dispositifs existants :<\/p>\n<ul>\n<li>Nicolas : maximiser l\u2019abondement du Pereco (2.000 \u20ac par an) et verser 8.800 \u20ac sur son PER individuel (utilisation du plafond d\u2019\u00e9pargne retraite).<\/li>\n<li>Aur\u00e9lie : verser 10.800 \u20ac sur son PER individuel (plafonds cumul\u00e9s 2024 et 2021).<\/li>\n<\/ul>\n<p>\u25b6\ufe0f \u00c9conomies fiscales : 3.240 \u20ac chacun<\/p>\n<p><span style=\"text-decoration: underline\">Allocations propos\u00e9es :<\/span><br \/>\n\u2022 <strong>Aur\u00e9lie (prudent)<\/strong> : 70% fonds en euros, 30% actions Monde.<br \/>\n\u2022 <strong>Nicolas (dynamique)<\/strong> : 30% fonds en euros, 70% actions Monde.<\/p>\n<p><strong>5. Pr\u00e9parer leur succession<\/strong><\/p>\n<p><span style=\"text-decoration: underline\">Actions propos\u00e9es :<\/span><\/p>\n<ul>\n<li>R\u00e9daction de testaments pour prendre des dispositions sur-mesure.<\/li>\n<li>V\u00e9rification et r\u00e9daction des clauses b\u00e9n\u00e9ficiaires des contrats d\u2019assurance vie (existants et nouveaux).<\/li>\n<li>R\u00e9allocation des produits de cession immobili\u00e8re dans deux nouveaux contrats d\u2019assurance vie (250.000 \u20ac chacun), aliment\u00e9s avant 70 ans pour b\u00e9n\u00e9ficier des abattements fiscaux :<br \/>\n&#8211; Clauses b\u00e9n\u00e9ficiaires crois\u00e9es : 60% au conjoint, 20% \u00e0 chaque enfant (franchise totale d\u2019imp\u00f4t).<br \/>\n&#8211; 152.500 \u20ac exon\u00e9r\u00e9s par enfant b\u00e9n\u00e9ficiaire et par souscripteur (le conjoint survivant d\u00e9sign\u00e9 comme b\u00e9n\u00e9ficiaire \u00e9tant exon\u00e9r\u00e9 en totalit\u00e9)<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>En suivant ces pr\u00e9conisations, Aur\u00e9lie et Nicolas Martin pourraient :<\/p>\n<ul>\n<li><strong>Financer les \u00e9tudes de leurs enfants<\/strong> (100.000 \u20ac plac\u00e9s).<\/li>\n<li><strong>Pr\u00e9parer leur retraite<\/strong> gr\u00e2ce \u00e0 des PER souscrits par chacun.<\/li>\n<li><strong>R\u00e9\u00e9quilibrer et diversifier leur patrimoine<\/strong> en all\u00e9geant la part de l\u2019immobilier et en augmentant celle du financier.<\/li>\n<li><strong>Optimiser leur transmission<\/strong> gr\u00e2ce \u00e0 l\u2019assurance vie et \u00e0 des clauses b\u00e9n\u00e9ficiaires adapt\u00e9es.<\/li>\n<\/ul>\n<p>Leur strat\u00e9gie globale permettrait de s\u00e9curiser l\u2019avenir familial tout en r\u00e9duisant leurs charges fiscales et en augmentant le rendement global de leur patrimoine.<\/p>\n<p class=\"p1\"><div id=\"export\" style=\"padding:10px;color:#333333; background:#f5f5f5; display:block; margin:0 0 1.5rem; width:100%; height:auto;\">\n<p><span class=\"alt-h2\">L&rsquo;avis de l&rsquo;expert en gestion de patrimoine<\/span><\/p>\n<p class=\"p1\">Dans de nombreux cas de figure, nous recommandons \u00e0 nos clients d\u2019ouvrir un contrat d\u2019assurance vie, surtout lorsqu\u2019ils ont d\u00e9j\u00e0 une somme suffisante sur un livret d\u2019\u00e9pargne comme \u00e9pargne de pr\u00e9caution. <b>L\u2019assurance vie r\u00e9pond \u00e0 de nombreux objectifs<\/b> : \u00e9pargner librement sans bloquer ses capitaux, investir sur des supports financiers adapt\u00e9s \u00e0 votre profil et \u00e0 vos objectifs (du plus prudent au plus dynamique) et profiter d&rsquo;un cadre fiscal avantageux sur les plus-values ou en cas de d\u00e9c\u00e8s.<\/p>\n<p class=\"p1\">Cette polyvalence permet aux \u00e9pargnants de diversifier leurs investissements tout en b\u00e9n\u00e9ficiant d&rsquo;une gestion adapt\u00e9e \u00e0 leur horizon de placement et \u00e0 leurs projets.<\/p>\n<p class=\"p1\">Vous \u00eates int\u00e9ress\u00e9 par l\u2019assurance vie mais vous ne savez pas vraiment si c\u2019est le placement qui vous convient ? <b>Nos conseillers vous r\u00e9pondent gratuitement et sans engagement. Profitez-en d\u00e8s maintenant !<\/b><\/p>\n<p class=\"p1\"><div class=\"w-btn-wrapper align_center\"><a class=\"w-btn us-btn-style_1\" target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/monpartenairepatrimoine.zohobookings.eu\/#\/110664000002683014?pageparente=\/placements\/cas-pratique-mpp\"><span class=\"w-btn-label\">Je profite d&rsquo;un RDV gratuit<\/span><\/a><\/div>\n<p class=\"p1\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>CAS PRATIQUE &#8211; Aur\u00e9lie et Nicolas, quadrag\u00e9naires mari\u00e9s, souhaitent pr\u00e9parer financi\u00e8rement leur retraite et les \u00e9tudes sup\u00e9rieures de leurs deux ados. Analyse de leur patrimoine et recommandations pour atteindre leurs objectifs.<\/p>\n","protected":false},"author":1,"featured_media":54904,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[22],"tags":[],"class_list":["post-54902","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cas-pratiques"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pr\u00e9parer sa retraite, financer les \u00e9tudes des enfants<\/title>\n<meta name=\"description\" content=\"Aur\u00e9lie et Nicolas, quadrag\u00e9naires mari\u00e9s, souhaitent pr\u00e9parer leur retraite et les \u00e9tudes sup\u00e9rieures de leurs deux ados. 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