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The government hoped it may be that article 7 of the draft law for financing Social Security (PLFSS) would be understated as it represents a real blow for saver

PEA, participation, incentive... Blow in view of the savings

The government hoped it may be that article 7 of the draft law for financing Social Security (PLFSS) would be understated as it represents a real blow for saver

PEA, participation, incentive... Blow in view of the savings

The government hoped it may be that article 7 of the draft law for financing Social Security (PLFSS) would be understated as it represents a real blow for savers. It provides for the widespread application of the new rate of 17.2% of social contributions (increase of 1.7 percentage point of the CSG tax) on all savings products, including those acquired before January 1, 2018.

"The calculation of the levies will take into account the rates in force at the time of the chargeable event of the tax and not those in force at the date of acquisition or revenue recognition, does it. Thus, from 2018, all products will be subject to levels of offtake the same."

The highest rate for everyone!

from 1 January 2018, all products from investment income (interest, dividends, profit, capital gains on securities, etc ) will be subject to social taxes at the single rate of 17.2%, at the date where they will be collected (or made for capital gains) and will not benefit from the rate prior (lower) acquired during their constitution.

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A major change. Previously, capital gains generated in a year were to be subject to social contributions in effect for the year in question, and not to those of the year of the actual perception of the gains.

for Example, a realized capital gain in 2012 could stand up to a rate of 12%, even if the investor never saw that in 2017, the one carried out in 2015, was taxed at 15.5 per cent, even if it also was perceived, also, that this year. He was taxed as "slices of time, based on the change of the tax rate.

Now, the entirety of the gains will be subject to 17.2%, without distinction of seniority. A measure of tax-penalising, especially for the investments in the most ancient times, when the social security taxes were much lower. Because they have never stopped climbing, rising gradually from 0.5% in 1996 to 15.5% in 2017.

>> See our white paper "I invested in the rental property through the law Pinel," produced in partnership with Finanzen

Not escape

With the exception of the booklets regulated (booklets A, LDD...) which retain their exemption from social security taxes, all other forms of savings will not escape the new rate standardized to 17.2% of: PEA, PERCO, profit-sharing and participation without forgetting the housing savings (PEL) even if the latter should not be impacted that as of 2021.

READ ALSO >> The advantages and disadvantages of the share savings plan (PEA)

the Only leniency granted: "Of the reserves, however, are provided to ensure that the acquired products during a period for which the tax system and social guarantees the level of the contributions applicable are not affected by the measure". Understand : for example, for the PEE already open, the rate of social contributions will remain unchanged for five years.

Read our complete file

cross-border Workers, expatriates : a solution to retrieve the CSG and the CRDS ponctionnées unduly on your income ? The fixed-rate bonds : ideal for the levying of regular income, You may be part of the taxpayers to which the tax authorities will have to repay 250 million euros of social contributions

READ ALSO >> Pension: find out how much will cost you the offset of revaluation of pensions

Proposed under the guise of fairness and simplification, this project raises many questions regarding practical application and implementation with the financial institutions. There is no doubt that the parliamentary discussions should go good train.

Publish Date : 06 Kasım 2018 Salı 14:38

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