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Written by Alexis Sagnier, financial and real-estate investment adviser, insurance broker, AMF-certified, founder of Balmont Conseil (Lyon). ORIAS 13003497. Last reviewed: 11/10/2026.

Preparing for retirement, paying less tax, choosing where to hold property income, passing on wealth, living abroad: these are the wrappers and structures we put in place, with the 2026 rule that makes each one worthwhile.

17.2%social charges kept on assurance-vie and capitalisation contracts in 2026, while other investment income moves to 18.6% (LFSS 2026).
€152,500passed on free of inheritance tax to each beneficiary of an assurance-vie policy, for contributions made before age 70 (Article 990 I of the French Tax Code).
€37,680in PER contributions: the maximum deductible for an employee in 2026 (Article 163 quatervicies of the French Tax Code).
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Savings and retirement

Make your savings work for you, without tying them up more than necessary.

French assurance-vieAvailable at any time, gains taxed more lightly after 8 years, passed on outside the estate.See the page →Luxembourg assurance-vieThe same French tax rules, with the asset protection of Luxembourg law and wider access to investment options.See the page →Insurance investmentsAssurance-vie, capitalisation contract, insurance-based PER: which to choose depending on what you want to do with it.See the page →Individual PERContributions deducted from your taxable income, savings available at retirement.See the page →Company PERMatching contributions paid to employees and the company director, free of employer social security contributions.See the page →Asset diversificationSpreading across real estate, markets, business and countries, so that your wealth does not depend on a single asset.See the page →

Real estate and tax optimisation

Reduce your taxes and place your income where it is taxed the least.

SCPIReal estate without the management: directly, with a loan, in bare ownership or within an assurance-vie policy.See the page →Furnished rental (LMNP)Rental income wiped out by depreciation, and the rules that changed in 2025 and 2026.See the page →Private equityInvesting in unlisted companies, with 18% to 30% as a tax reduction, depending on the vehicle.See the page →Income tax optimisationEach lever ranked by tax bracket, under the €10,000 ceiling on tax breaks.See the page →Investing through a company subject to corporation taxHolding an investment in a company taxed at 15% on profits up to €42,500.See the page →Family holding companyUpstreaming dividends almost tax-free, preparing a sale, passing on a business.See the page →

Protection and international

Cover your family and your business, in France and abroad.

Protection insurance and international health coverSick leave, disability, death, healthcare costs: cover that follows your country of residence.See the page →Estate planningWhat your heirs will pay, and how gifts and assurance-vie change that.See the page →Dutreil pactPassing on a business with 75% of its value exempt from gift and inheritance tax.See the page →

At a glance

Which wrapper for which goal.

Your goalThe solutionThe rule that makes it interesting
Saving while staying flexibleAssurance-vie€4,600 of gains a year tax-free after 8 years, €9,200 for a couple (Article 125-0 A of the French Tax Code)
Pay less tax this yearIndividual PERContributions deducted from taxable income, up to €37,680 for an employee in 2026
Passing on to your childrenAssurance-vie, gift€152,500 per beneficiary free of inheritance tax, €100,000 per child and per parent every 15 years (Articles 990 I and 779)
Rental income without managementSCPIEuropean rents outside French social charges, bare ownership with no taxable income
Investing a company's cashCapitalisation contractOpen to companies, unlike assurance-vie; it can also be transferred by gift without being redeemed.
Selling your businessHolding company, contribution then sale (apport-cession)Capital gain deferred if 70% of the price is reinvested within 3 years (Article 150-0 B ter)

The choice depends on your tax bracket, your age and your country of residence: that is what the contract X-ray and the first conversation establish.

Frequently asked questions

What clients ask us.

Where to begin?

Start with what you already have. Upload an annual assurance-vie or PER statement: the X-ray shows, in euros, what it costs you each year, and what deserves a closer look. It is free and takes 2 minutes.

How is the firm paid?

Through fees when an advisory engagement is invoiced, and through commissions paid by insurers and asset management companies on the contracts taken out. The details are set out in the engagement document, provided from the first exchange, before any recommendation.

Can you take over contracts that are already open elsewhere?

Yes. An existing contract is never closed on principle: we compare its fees, its investment options and its opening date, which matters for tax (8 years for the allowance on withdrawals, age 70 for inheritance). Keeping, transferring or topping up is decided with the figures in hand.

Do you live abroad? Do the rules change?

Often. A non-resident retains their French assurance-vie policy, but their social security contributions and inheritance tax depend on their country of origin and the applicable tax treaty. The 42 country profiles in our expatriation guide detail the rules for each destination.

Tell us what you want to do with your wealth. We'll tell you what to use.

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