Les Belges placent un montant record dans les assurances-vie au Luxembourg
3 April 2026
Les Belges placent un montant record dans les
Donations in Belgium and Luxembourg
Transfer of assets
We will be using manual donations (donations of money, jewelry, objects, etc.). The ease and flexibility of manual donations encourages us to use this method of donation. However, it is important to avoid certain pitfalls. Talk to your RGF advisor to ensure that your manual donation is made in the best possible way.
An investment insurance contract is an extraordinary estate planning tool because it allows you to optimally organize your cash flow according to the inheritance objectives you may define.
The organization and determination of each of the parties involved in the contract makes it possible to meet a multitude of needs in terms of transferring your capital or securing your assets.
Your situation is unique and will therefore require a completely personalized approach by our specialists to define:
• La « clause bénéficiaire », autrement appelée « testament financier »
• La co-souscription avec clause d’accroissement. Cette méthode permet à 2 souscripteurs de garantir l’entièreté du capital au survivant lors du premier décès SANS droits de succession.
❗Remarque : la co-souscription n’a pas de limite quant au nombre de preneurs…
• La donation indirecte avec bénéficiaire acceptant et retour conventionnel en faveur du donateur. Cette technique juridique attribue le capital investi au donataire (enfant) tout en protégeant le donateur (parent) que le capital ne sera pas dilapidé de son vivant et qu’il pourra jouir des fruits de ce placement, sous forme de rentes, en viager.
The donation of movable property (money, jewelry, bearer shares, etc.) can be made by a simple transfer from hand to hand. However, it is preferable to draw up a written document in order to be able to prove this manual donation. The payment of gift tax can be avoided, as there is no obligation to register this document.
Consult us so that we can present you with all aspects of these legal techniques, tailored to your personal situation, which will enable you to transfer your assets securely and minimize the tax burden as much as possible for your loved ones whom you wish to benefit!
Investment insurance contracts are taxed ONLY upon entry! In exchange for this tax, your capital will not be subject to any further taxation during its lifetime or upon maturity.
Based on these factors and our analysis, we recommend investment insurance products provided that your investment horizon is at least three years. The longer your investment, the more you will gain in tax and financial terms compared to a bank investment.
Our independence and objectivity allow you to know the value of your investment at any time, thanks to our state-of-the-art IT tools. All information is accessible via our partners' websites.
Our commitment and geographical proximity guarantee you optimal, personalized support tailored to your changing needs and desires.
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Les Belges placent un montant record dans les
L’intensification des tensions géopolitiques au Proche Orient constitue
Dans un environnement économique incertain et marqué par
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