{"id":4104,"date":"2023-02-13T00:00:00","date_gmt":"2023-02-13T00:00:00","guid":{"rendered":"https:\/\/well-tax.com\/tax-free-saving-accounts\/"},"modified":"2023-09-27T13:04:21","modified_gmt":"2023-09-27T12:04:21","slug":"comptes-depargne-libre-dimpot","status":"publish","type":"post","link":"https:\/\/well-tax.com\/fr\/taxfree-saving-accounts\/","title":{"rendered":"Comptes d'\u00e9pargne libre d'imp\u00f4t"},"content":{"rendered":"<h2><strong style=\"font-size: 13px;\"><u>Comptes d'\u00e9pargne individuels - ISA<\/u><\/strong><\/h2>\n<p>Le Individual Savings Accounts (ISA) est un produit d'\u00e9pargne et d'investissement fiscalement avantageux qui permet aux particuliers d'\u00e9pargner et d'investir en franchise d'imp\u00f4t jusqu'\u00e0 un certain plafond annuel. Il existe plusieurs types d'ISA au Royaume-Uni, chacun ayant ses propres caract\u00e9ristiques et avantages. Les int\u00e9r\u00eats, les revenus ou les plus-values des ISA ne doivent pas \u00eatre d\u00e9clar\u00e9s dans la d\u00e9claration d'imp\u00f4t sur le revenu des personnes physiques jusqu'\u00e0 un certain montant de cotisations.<\/p>\n<h4><u>Cash ISA<\/u><\/h4>\n<p>Un Cash ISA est un compte d'\u00e9pargne qui permet aux particuliers d'\u00e9pargner de l'argent en franchise d'imp\u00f4t. Les int\u00e9r\u00eats per\u00e7us sur le solde d'un Cash ISA sont exon\u00e9r\u00e9s d'imp\u00f4t et le montant pouvant \u00eatre \u00e9pargn\u00e9 sur ce type de compte n'est pas limit\u00e9. Toutefois, le montant qui peut \u00eatre \u00e9pargn\u00e9 est soumis \u00e0 une limite annuelle. Les contributions aux ISA pour l'ann\u00e9e fiscale 2022\/23 restent \u00e0 20 000 \u00a3.<\/p>\n<p>Pour ouvrir un Cash ISA et y cotiser, les particuliers doivent remplir certaines conditions.<\/p>\n<ul>\n<li>Conditions d'\u00e2ge : les personnes doivent \u00eatre \u00e2g\u00e9es de 16 ans ou plus :<\/li>\n<li>Conditions de r\u00e9sidence : les personnes doivent r\u00e9sider au Royaume-Uni ;<\/li>\n<li>Exigences en mati\u00e8re d'identification : les personnes doivent fournir une preuve d'identit\u00e9 et d'adresse.<\/li>\n<\/ul>\n<h4><u>ISA et actions<\/u><\/h4>\n<p>Un Stocks and Shares ISA est un compte d'investissement qui permet aux particuliers d'investir dans une vari\u00e9t\u00e9 d'actifs, y compris des actions, des obligations et des fonds, sans payer d'imp\u00f4t sur les gains en capital ou les revenus obtenus. Le montant qui peut \u00eatre investi dans un Stocks and Shares ISA est \u00e9galement soumis \u00e0 une limite annuelle. Au d\u00e9but de chaque nouvelle ann\u00e9e fiscale, vous avez droit \u00e0 une allocation annuelle de 20 000 \u00a3.<\/p>\n<h4><u>ISA \u00e0 vie<\/u><\/h4>\n<p>Un Lifetime ISA est un compte d'\u00e9pargne et d'investissement con\u00e7u pour aider les particuliers \u00e0 \u00e9pargner en vue de l'achat de leur premier logement ou de leur retraite. Les cotisations vers\u00e9es sur un Lifetime ISA donnent droit \u00e0 une prime gouvernementale, vers\u00e9e annuellement jusqu'\u00e0 l'\u00e2ge de 50 ans. Le montant qui peut \u00eatre \u00e9pargn\u00e9 sur un Lifetime ISA est soumis \u00e0 une limite annuelle.<\/p>\n<p>Il est possible de verser jusqu'\u00e0 4 000 \u00a3 par an jusqu'\u00e0 l'\u00e2ge de 50 ans. Le premier versement dans votre ISA doit \u00eatre effectu\u00e9 avant l'\u00e2ge de 40 ans. Un bonus de 25% sera ajout\u00e9 \u00e0 votre \u00e9pargne par le gouvernement, jusqu'\u00e0 un maximum de 1 000 \u00a3.<\/p>\n<p>Lorsque vous atteindrez l'\u00e2ge de 50 ans, vous ne pourrez plus alimenter votre Lifetime ISA ni b\u00e9n\u00e9ficier du bonus 25%. N\u00e9anmoins, votre compte d'\u00e9pargne restera ouvert et vous continuerez \u00e0 percevoir des int\u00e9r\u00eats sur votre \u00e9pargne. Pour ouvrir et conserver un Lifetime ISA, vous devez \u00eatre r\u00e9sident britannique.<\/p>\n<p>Il est possible de retirer de l'argent de votre ISA si vous \u00eates.. :<\/p>\n<ul>\n<li>L'achat de votre premi\u00e8re maison d'une valeur maximale de 450 000 \u00a3 \u00e0 n'importe quel moment \u00e0 partir de 12 mois apr\u00e8s que vous avez commenc\u00e9 \u00e0 \u00e9pargner sur le compte ;<\/li>\n<li>60 ans ou plus ;<\/li>\n<li>Une personne qui est en phase terminale d'une maladie et qui a moins de 12 mois \u00e0 vivre.<\/li>\n<\/ul>\n<p>Des frais de retrait 25% vous seront factur\u00e9s si vous retirez des liquidit\u00e9s ou des actifs pour toute autre raison (\u00e9galement appel\u00e9 retrait non autoris\u00e9).  Par exemple, en supposant qu'il n'y ait pas de croissance pendant les deux premi\u00e8res ann\u00e9es, une \u00e9pargne initiale de 8 000 livres sterling donnera lieu \u00e0 un bonus gouvernemental 25% de 2 000 livres sterling et vous permettra de disposer d'un pot de 10 000 livres sterling. Si vous souhaitez retirer la totalit\u00e9 de ce capital, des frais 25% s'appliqueront \u00e0 la totalit\u00e9 des 10 000 \u00a3. Vous devrez payer des frais de retrait de l'\u00c9tat de 2 500 \u00a3. Il vous restera donc 7 500 \u00a3, soit 500 \u00a3 de moins que ce que vous avez pay\u00e9 au d\u00e9part. Cette man\u0153uvre n'est donc pas pratique, sauf si vous pr\u00e9voyez d'acheter une maison ou de retirer l'argent au moment de la retraite.<\/p>\n<p>Comme il existe plusieurs types d'ISA au Royaume-Uni, chacun ayant ses propres caract\u00e9ristiques et avantages, il est essentiel que les particuliers prennent en compte leurs objectifs financiers personnels et leur situation avant de prendre une d\u00e9cision. Il est important de rechercher et de comparer les diff\u00e9rentes options, et de demander l'avis d'un professionnel, si n\u00e9cessaire, afin de trouver l'ISA qui r\u00e9pond le mieux \u00e0 ses besoins.<\/p>\n<p>Photo par <a href=\"https:\/\/unsplash.com\/@anniespratt?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText\">Annie Spratt<\/a> sur <a href=\"https:\/\/unsplash.com\/photos\/flVuw7nbzmM?utm_source=unsplash&amp;utm_medium=referral&amp;utm_content=creditCopyText\">Unsplash<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Individual Savings Accounts &#8211; ISA An Individual Savings Accounts (ISA) is a tax-efficient savings and investment product that allows individuals to save and invest up to a certain limit each year, tax-free. There are several types of ISAs available in the UK, each with its own unique features and benefits. ISA interest, income, or capital [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-4104","post","type-post","status-publish","format-standard","hentry","category-taxation"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tax-free Saving Accounts - WellTax<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/well-tax.com\/fr\/comptes-depargne-libre-dimpot\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tax-free Saving Accounts - WellTax\" \/>\n<meta property=\"og:description\" content=\"Individual Savings Accounts &#8211; ISA An Individual Savings Accounts (ISA) is a tax-efficient savings and investment product that allows individuals to save and invest up to a certain limit each year, tax-free. 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