{"id":6646,"date":"2013-10-24T18:22:09","date_gmt":"2013-10-24T16:22:09","guid":{"rendered":"https:\/\/valoxy.org\/blog\/?p=6646"},"modified":"2024-10-14T11:42:15","modified_gmt":"2024-10-14T09:42:15","slug":"pea-pel-assurance-vie-laugmentation-prelevements-sociaux-ete-votee","status":"publish","type":"post","link":"https:\/\/valoxy.org\/blog\/pea-pel-assurance-vie-laugmentation-prelevements-sociaux-ete-votee\/","title":{"rendered":"Nouvelles cotisations sur certains produits d&rsquo;\u00e9pargne"},"content":{"rendered":"<p>L\u2019assembl\u00e9e nationale a vot\u00e9 en Octobre 2013, dans le cadre du projet de loi de financement de la S\u00e9curit\u00e9 sociale pour 2014, <span class=\"exergue\">une hausse des cotisations sociales sur certains produits d\u2019\u00e9pargne<\/span> comme le plan d\u2019\u00e9pargne en action (PEA), les plans d\u2019\u00e9pargne-logement (PEL) mais aussi l\u2019assurance-vie. Une mesure r\u00e9troactive qui aura un impact sur l\u2019ensemble des \u00e9pargnants fran\u00e7ais. Valoxy, cabinet d&rsquo;expertise comptable dans les Hauts de France, revient sur cette r\u00e9forme des <span class=\"s1\">cotisations sociales sur certains produits d&rsquo;\u00e9pargne.<\/span><\/p>\n<p style=\"text-align: center;\">\u00a0<img fetchpriority=\"high\" decoding=\"async\" class=\"size-medium wp-image-5980 aligncenter\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/08\/ISF-300x231.png\" alt=\"cr\u00e9ation d'entreprise\" width=\"300\" height=\"231\" \/><\/p>\n<h2><b>Quel type d\u2019\u00e9pargne\u00a0 cette r\u00e9forme concerne-t-elle\u00a0?<\/b><\/h2>\n<p><img decoding=\"async\" class=\"size-medium wp-image-2959 alignright\" style=\"margin-left: 20px;\" title=\"augmentation des cotisations sociales sur l'\u00e9pargne\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/05\/txes-3-300x240.png\" alt=\"cotisations sociales sur l'\u00e9pargne\" width=\"188\" height=\"149\" \/>Cette augmentation de la fiscalit\u00e9 sur l\u2019\u00e9pargne se traduit par <span class=\"exergue\">une harmonisation <strong>r\u00e9troactive<\/strong> du taux de pr\u00e9l\u00e8vements sociaux \u00e0 15,5%<\/span> pour certains contrats d\u2019assurance vie, des plans d\u2019\u00e9pargne logements (PEL) et des plans d\u2019\u00e9pargne en action (PEA).<\/p>\n<p>Ainsi, le mode de calcul des pr\u00e9l\u00e8vements sociaux va augmenter \u00a0pour les contrats d\u00e9j\u00e0 sign\u00e9s. <span class=\"exergue\">L\u2019administration ne tiendra plus compte des taux de pr\u00e9l\u00e8vements sociaux fix\u00e9s au fur et \u00e0 mesure de la dur\u00e9e de vie du placement, mais des taux en vigueur \u00e0 la date de l\u2019ach\u00e8vement du contrat<\/span>, soit 15,5 % actuellement. Et le gouvernement parle d\u00e9j\u00e0 de hausses compl\u00e9mentaires.<\/p>\n<p>L\u2019impact de cette mesure est d\u00fb \u00e0 son effet r\u00e9troactif sur les produits concern\u00e9s. Il s&rsquo;agit essentiellement de ceux issus :<\/p>\n<ul>\n<li>des plans d\u2019\u00e9pargne par action (PEA),<\/li>\n<li>des primes vers\u00e9es dans le cadre des comptes et plans d\u2019\u00e9pargne (CEL et PEL),<\/li>\n<li>de l\u2019\u00e9pargne salariale.<\/li>\n<li>des int\u00e9r\u00eats acquis sur les plans d\u2019\u00e9pargne logement de moins de 10 ans souscrits avant le 1<sup>er<\/sup> mars 2011,<\/li>\n<li>des primes vers\u00e9es avant le 26 septembre 1997 sur des contrats d\u2019assurance vie multi-supports.<\/li>\n<\/ul>\n<p>L\u2019ensemble des dividendes per\u00e7us depuis 1997, qui auraient d\u00fb \u00eatre impos\u00e9s au titre des cotisations sociales aux taux en vigueur (qui \u00e9taient inf\u00e9rieurs \u00e0 15,5%), seront donc impos\u00e9s avec un r\u00e9ajustement \u00e0 la hausse pour atteindre 15,5%.<\/p>\n<p style=\"text-align: center;\">\u00a0<a href=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/10\/Historique-des-taux-de-cotisation.png\"><img decoding=\"async\" class=\"alignnone size-medium wp-image-6648\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/10\/Historique-des-taux-de-cotisation-300x143.png\" alt=\"Historique des taux de cotisation\" width=\"300\" height=\"143\" \/><\/a><\/p>\n<h2><b>A quelle date sera mise en place cette nouvelle fiscalit\u00e9 ?<\/b><\/h2>\n<p>Cette hausse de la fiscalit\u00e9 est mise en \u0153uvre depuis le 26 septembre 2013, date de l\u2019annonce de la mesure par le gouvernement. <span class=\"exergue\">Elle devrait rapporter 600 millions d\u2019euros \u00e0 l\u2019administration fiscale, destin\u00e9s \u00e0 r\u00e9duire le d\u00e9ficit de la S\u00e9curit\u00e9 sociale.<\/span> Esp\u00e9rons que ce soit le cas, nous aurions plut\u00f4t pari\u00e9 sur une baisse des charges.<\/p>\n<p><b>\u00a0<\/b><\/p>\n<h2><b>Le paiement des cotisations sociales<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-5970 alignleft\" style=\"margin-right: 20px;\" title=\"les cotisation sociales\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/08\/Impots-treso-entreprise-300x207.png\" alt=\"augmentation des cotisations sociales\" width=\"101\" height=\"69\" \/>Press\u00e9 de renflouer les caisses de la S\u00e9curit\u00e9 sociale, le gouvernement a aussi modifi\u00e9 le mode de r\u00e8glement des cotisations sociales, en <span class=\"exergue\">les pr\u00e9levant chaque ann\u00e9e, et non plus simplement au moment des retraits en liquidit\u00e9s.<\/span><\/p>\n<p><b>\u00a0<\/b><\/p>\n<h2><b>La r\u00e9troactivit\u00e9 de la r\u00e9forme\u00a0: un petit espoir<\/b><\/h2>\n<p>Il n\u2019est cependant pas certain que le Conseil constitutionnel valide la r\u00e9forme. En effet, la r\u00e9troactivit\u00e9 de l\u2019imposition pose question, car il para\u00eet en effet d\u00e9licat de justifier aupr\u00e8s du contribuable que l\u2019imposition sur les produits per\u00e7us depuis plusieurs ann\u00e9es soit revue \u00e0 la hausse uniquement parce qu\u2019elle sera per\u00e7ue lors de la cl\u00f4ture du contrat.<\/p>\n<p><b>\u00a0<\/b><\/p>\n<h2><b>Conclusion : un pas en avant, 3 en arri\u00e8re !<\/b><\/h2>\n<p>La mesure vot\u00e9e par le Parlement fait d\u00e9bat car, en augmentant de 132 K\u20ac \u00e0 150 K\u20ac le plafond du PEA, le gouvernement semblait inciter les fran\u00e7ais \u00e0 \u00e9pargner. L\u2019alourdissement de l\u2019imposition sur les produits de l\u2019\u00e9pargne va maintenant \u00e0 l&rsquo;encontre de cette incitation. Il semble en fait qu\u2019\u00e0 d\u00e9faut de vouloir faire des \u00e9conomies sur son propre budget, le gouvernement cherche \u00e0 profiter de celles des fran\u00e7ais, selon la maxime, toujours d\u2019actualit\u00e9 en politique : \u00ab faites ce que je dis, pas ce que je fais \u00bb.<\/p>\n<p>A quand la fiscalisation du livret A ?\u00a0 2015 ?<\/p>\n<p class=\"p1\"><span class=\"s1\">Pour plus d\u2019informations sur la fiscalit\u00e9 des placements, retrouvez nos articles sur le blog de Valoxy :\u00a0<\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li3\"><span class=\"s2\"><span class=\"s3\">Contrat de retraite Madelin ou perp : est-ce rentable?<\/span><\/span><\/li>\n<li class=\"li3\"><span class=\"s4\"><a href=\"https:\/\/valoxy.org\/blog\/investir-dans-les-bois-et-forets\/\"><span class=\"s3\">Investir dans les bois et for\u00eats : un rendement s\u00e9curis\u00e9 de long-terme, offrant trois avantages fiscaux<\/span><\/a><\/span><\/li>\n<li class=\"li3\"><span class=\"s4\"><a href=\"https:\/\/valoxy.org\/blog\/dividendes-sas-sarl\/\"><span class=\"s3\">La distribution des dividendes aux associ\u00e9s de SAS et SARL<\/span><\/a><\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019assembl\u00e9e nationale a vot\u00e9 en Octobre 2013, dans le cadre du projet de loi de financement de la S\u00e9curit\u00e9 sociale pour 2014, une hausse des cotisations sociales sur certains produits d\u2019\u00e9pargne comme le plan d\u2019\u00e9pargne en action (PEA), les plans&#8230;<\/p>\n","protected":false},"author":1,"featured_media":6431,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10,6],"tags":[],"class_list":["post-6646","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fiscalite","category-patrimoine"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - 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