Wealth management: how to optimise your tax situation?

Paying less tax without infringing tax laws is quite possible. As part of wealth management, optimising your tax situation is an important step. It is then advisable to choose among the various available systems the one that is best suited to your situation. In this article, we list 3 ideal levers for tax optimization:

Investment in real estate

Investing in real estate can be an excellent way to optimize your tax situation. Indeed, there are various mechanisms put in place by the State. You just have to choose the one that meets your needs: - The Censi Bouvard law: it is intended for renting furnished non-professional property. You can then invest in new or renovated service residences to pay less tax. A tax reduction is granted to taxpayers who then hold the status of non-professional furnished rental. The calculation is based on the cost price of the dwelling. Work on dwellings that have required renovation is also taken into account; - Investment under the Pinel law: to optimise taxation under this scheme, investment is made in the purchase of a new property. It is spread over 6, 9 or 12 years. However, it is important to understand that there are certain constraints such as rent ceilings; - Investment under the Malraux law: this involves investing in old property in the area concerned by the scheme. This is a really interesting solution because it affects both the short term (tax optimisation) and the long term (resale).

Take out life insurance

A subscription to the life insurance contract allows you to make savings. It is a product that anyone can apply for. The idea is to constitute a capital with your savings to carry out a project or to prepare the transmission of an inheritance. This contract ends at the time of the death of the subscriber by the payment of a capital to the designated recipients. Currently, life insurance contracts allow you to benefit from an interesting tax system: exemption from inheritance tax, advantageous taxation on partial withdrawals, etc.

Investment in a SME

With the Madelin law, it is feasible to optimize taxation by investing in SMEs. In order to benefit from a tax reduction that can amount to up to 18% of the amount invested, one subscribes to the capital of an SME. A tax break will then be granted.

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