{"id":14448,"date":"2008-07-30T14:32:44","date_gmt":"2008-07-30T12:32:44","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/retraite\/la-rente-viagere-du-pea.html"},"modified":"2012-12-12T15:40:42","modified_gmt":"2012-12-12T15:40:42","slug":"la-rente-viagere-du-pea","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/retraite\/la-rente-viagere-du-pea.html","title":{"rendered":"La rente viag\u00e8re du PEA"},"content":{"rendered":"\n<p align=\"justify\">&nbsp;<strong>Le principe.<\/strong> C\u2019est le m\u00eame que pour un viager immobilier : en \u00e9change de l\u2019argent contenu dans votre PEA, votre banque vous verse une rente jusqu\u2019\u00e0 votre d\u00e9c\u00e8s.<\/p>\n<p align=\"justify\">La rente viag\u00e8re issue d\u2019un PEA n\u2019est pas un produit boursier, mais une assurance. Il vous faudra donc ouvrir un PEA assurance, qui conserve l\u2019ant\u00e9riorit\u00e9 de votre PEA bancaire, mais qui&nbsp; fonctionne comme une assurance-vie. Chaque \u00e9tablissement pouvant alors proposer des produits ou des clauses diff\u00e9rentes. Toutes les banques ne poss\u00e8dent pas de filiale d\u2019assurance, vous risquez donc d&rsquo;\u00eatre soumis \u00e0 des frais de transfert.<\/p>\n<p align=\"justify\"><strong>Les avantages.<\/strong> Vous avez un revenu d\u00e9fiscalis\u00e9 qui tombe tous les mois. Car \u00e0 l\u2019inverse d\u2019autres produits, comme l\u2019assurance-vie, qui proposent ce syst\u00e8me, la rente issue d\u2019un PEA n\u2019entre pas dans le calcul de l\u2019imp\u00f4t sur le revenu (si le PEA a plus de huit ans). Elle est cependant soumise aux pr\u00e9l\u00e8vements sociaux. A moins de 50 ans, vous paierez ainsi 13,5% de&nbsp;pr\u00e9l\u00e8vements sociaux (CSG, CRDS? etc.) sur 70% de la rente, et 13,5% sur 30% de la rente si vous avez plus de 70 ans.<\/p>\n<p align=\"justify\">La rente est aussi revaloris\u00e9e chaque ann\u00e9e. Elle peut \u00eatre vers\u00e9e en partie au conjoint survivant, g\u00e9n\u00e9ralement \u00e0 hauteur de 60%. En cas de d\u00e9c\u00e8s pr\u00e9matur\u00e9, certaines clauses permettent de r\u00e9cup\u00e9rer le capital (exemple : si la rente existe depuis moins de 10 ans).<\/p>\n<p align=\"justify\"><strong>Les risques<\/strong>. Comme tous viagers, la rente est un pari sur l\u2019avenir. Si vous vivez centenaire, elle sera rentabilis\u00e9e. Si vous d\u00e9c\u00e9dez peu de temps apr\u00e8s les premiers versements, votre capital risque d\u2019\u00eatre perdu&nbsp; et vos h\u00e9ritiers n\u2019en profiteront pas.<\/p>\n<p align=\"justify\">Plus vous transformerez votre capital jeune, plus votre rente sera faible, et inversement. Le taux de d\u00e9part tourne g\u00e9n\u00e9ralement autour de 4%. Pour 100 000 euros plac\u00e9s, vous pouvez esp\u00e9rer entre 4 000 euros et 4 500 euros de revenus annuel. Mieux vaut donc croire en sa bonne \u00e9toile pour esp\u00e9rer \u00eatre gagnant.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La rente viag\u00e8re est un moyen simple mais risqu\u00e9 pour valoriser sa retraite et cl\u00f4turer son plan d\u2019\u00e9pargne en action (PEA). Ce dispositif combine en effet les avantages fiscaux du PEA, avec ceux d\u2019un viager. Explications.<\/p>\n","protected":false},"author":13718,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-14448","post","type-post","status-publish","format-standard","hentry","category-epargne-retraite"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Rente viag\u00e8re du PEA<\/title>\n<meta name=\"description\" content=\"La rente viag\u00e8re du PEA\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.toutsurmesfinances.com\/retraite\/la-rente-viagere-du-pea.html\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rente viag\u00e8re du PEA\" 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