| Lignes d'Horizon
Trio
Education
"I want to help my children on in life by building
up a capital which will grow along with them"
Project
"I want to build up a capital to fund my projects
or improve my pension"
Donation
"I want to help my grandchildren fulfil the ambitions
they will have in the future"
Get ready for the future by making the most of the present.
Entirely managed on your behalf
All you have to do is decide on the date of your project deadline
(any time up to 30 years) and your investments will be entirely
managed by our financial experts. You are discharged from
all management worries.
Funds earmarked for a specific purpose
Your project deadline corresponds to an earmarked fund, individually
managed to optimise its performance over the stated period.
Designed so you can achieve your aims, your fund will mainly
consist of shares in the early years to give you the benefit
of strong market movements.Money market fluctuations are smoothed
by regular payments.
As your project nears its deadline, our financial experts
will secure your capital by moving it into bond and monetary
assets.
Life insurance tax advantages
If the contract is redeemed after 8 years, its earnings will
be taxed at an advantageous rate (2).
In the event of decease, the capital inherited is subject
to a lower rate of tax (3).
Special tax advantage
To optimise your donation, every 10 years you can pay:
- €46,000 to each of your children;
- €15,000 to each of your grandchildren, free
of transfer tax.
To be entitled to this advantage, your child or grandchild
must declare the donation to his or her local tax office.
Maturity date
You control your donation by setting its maturity date when
you take out the contract. This date will be your child's
or grandchild's birthday, though no later than his or her
thirtieth birthday.
This way you can be sure your child or grandchild cannot use
the capital before this date.
For further information, please contact
us !
Lignes d'Horizon Trio, collective life insurance
policy (variable capital), for optional individual enrolment,
underwritten by Banque Dupuy, de Parseval with ERISA and ERISA
IARD, insurance companies governed by the French Insurance
Code.
(1) As stated in the conditions in the information
guide.
(2) Tax rate of 7.5% after a rebate of €4,600 (single
person) or €9,200 (married couple), excluding social
contributions.
(3) Premiums paid before the age of 70: tax rate of 20% after
rebate of €152,500 per beneficiary. Premiums paid after
the age of 70: estate duty payable after general rebate of
€30,500.
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