{"id":1574,"date":"2025-11-23T17:41:40","date_gmt":"2025-11-23T17:41:40","guid":{"rendered":"https:\/\/www.millenniuminvest.fr\/?p=1574"},"modified":"2025-11-23T17:41:41","modified_gmt":"2025-11-23T17:41:41","slug":"holding-retraite-diversification-les-strategies-qui-fonctionnent-pour-anticiper-la-nouvelle-loi-de-finances","status":"publish","type":"post","link":"https:\/\/www.millenniuminvest.fr\/en\/holding-retraite-diversification-les-strategies-qui-fonctionnent-pour-anticiper-la-nouvelle-loi-de-finances\/","title":{"rendered":"Holdings, retirement, diversification: strategies that work to anticipate the new finance law"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Every autumn, the draft budget bill (PLF) introduces its share of uncertainty and complexity for high-net-worth individuals. Anticipation of the upcoming budget is no exception, with persistent rumors of a potential overhaul of capital gains and inheritance taxes. For substantial fortunes, waiting is not an option; it is a source of risk!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Faced with a changing tax environment, proactivity is the only viable strategy. It&#039;s not about reacting, but about anticipating by structuring your assets to ensure their resilience, regardless of the final outcome. Let&#039;s analyze the potential impacts of this new law and the three concrete strategies to implement today.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2026 Finance Bill: What are the real impacts on your assets?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Although the legislation has not yet been passed, parliamentary debates and economic reports are focusing on specific topics. A prudent investor must prepare for these different scenarios.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">An increase in the &quot;Flat Tax&quot; to 31.4 %?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The most discussed threat is not a change in tax rates, but an increase in social security contributions (CSG\/CRDS) from 17.2 % to 18.6%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The mechanical consequence of this change would be that the single flat-rate levy (PFU, or &quot;flat tax&quot;) applied to your dividends, interest and capital gains on securities would automatically change from 30 % to 31.4 %.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Coupled with the freezing of the income tax scale (which increases the &quot;real&quot; tax without changing the rates), this change leads to an increase in the tax burden on all income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The transmission of assets and the threat of freezing?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Given France&#039;s high inheritance taxes, any remaining tax optimization strategies are being closely monitored. Concerns for 2026 focus on:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u25cf Freezing of allowances: the non-revaluation of allowances (\u20ac100,000 parent\/child) until 2028 amounts to an indirect tax increase, as inflation erodes the real value of this allowance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u25cf The framework of the Dutreil Pact: restrictions on this major exemption scheme for business transfers are regularly debated.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u25cf Taxation of dismemberment: a revision of the tax scale for usufruct and bare ownership is also a possibility.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Towards a &quot;Tax on Unproductive Wealth&quot;?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The debate on the IFI (French real estate wealth tax) is evolving. The threat is no longer a simple adjustment of rates, but a potential replacement of the Real Estate Wealth Tax with a &quot;Tax on Unproductive Wealth&quot;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>This tax could tax, in addition to real estate, other assets deemed &quot;unproductive&quot; (such as certain large liquid assets, euro funds in life insurance policies or &quot;dormant&quot; financial assets held in holding companies), completely changing the holding strategy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Is a family holding company the best tax shield?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Faced with these threats, the holding company (SPFPL) is not simply an optimization tool, it is a true pillar of protection and structuring.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Capital gains can be controlled through a capital contribution-sale strategy.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The threat of an increase in the flat tax rate makes the contribution-sale mechanism (Art. 150-0 Bter) even more essential for entrepreneurs. A sale generates a significant capital gain, inevitably leading to heavy and immediate taxation. Fortunately, a very powerful mechanism exists to secure this step: the contribution-sale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Here&#039;s how it works, simply:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u25cf The contribution: instead of selling your securities directly to the buyer, you first contribute them to a holding company that you control.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u25cf Deferral: the capital gain generated by this contribution is taxed on it. This is the key point: you don&#039;t pay anything immediately.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u25cf The sale: it is the holding company which then sells the securities to the final buyer, collecting the cash.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To maintain this tax deferral, the holding company has an obligation. If the contributed company is sold before three years, it must reinvest at least 60% of the proceeds from the sale in economic assets (shares in operating companies, etc.) within two years. If the contributed company is sold after three years, reinvestment is not required.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Are you affected by the contribution-sale scheme? We support business owners and professionals in managing their personal and professional assets. Visit our dedicated page for more information. <a href=\"https:\/\/www.millenniuminvest.fr\/en\/comment-investir-500-000-e-en-periode-dinflation\/\">support for the business owner<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The holding company to optimize your transfer<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It is possible to create a company that holds a stake in one or more operating entities. This holding company is the ideal vehicle for setting this up and organizing successive donations of shares, either in full ownership or through a division of ownership rights, in order to take advantage of current tax allowances.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Note: Restructuring assets through a holding company is a complex wealth management operation. It must be carefully planned. Our advisors will audit your situation to determine the suitability of this tool and ensure its proper legal and tax structuring.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.millenniuminvest.fr\/en\/contact\/\"><strong>Get in touch<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Should you redirect your retirement savings and life insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The 2026 Finance Bill will also have consequences for long-term investment vehicles. In particular, it could strengthen the appeal of capital accumulation and tax-saving solutions such as retirement savings plans (PERs) and life insurance policies.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The Retirement Savings Plan (PER): an immediate tax deduction tool<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If the 2026 Finance Bill increases the tax burden on income (via the freezing of the income tax scale), the PER becomes a central tool, particularly thanks to the deduction: payments into a PER are deductible from your taxable income (within the limits of the ceilings).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>For a taxpayer in a high tax bracket (TMI 41 % or 45 %), this generates immediate tax savings while building capital for retirement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Life insurance: making choices to protect inheritance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Life insurance retains its unique status regarding inheritance (specific allowances outside of the estate). Faced with the risk of stricter traditional inheritance taxes (freezing of allowances), its importance is reinforced.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>It is important to verify the suitability of the investment options (unit-linked funds) within your contracts to find the performance (private equity, real estate investment trusts, thematic funds) necessary to counter inflation. Furthermore, the tax on unproductive wealth would apply to euro-denominated funds.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What advanced strategies can be used to optimize transmission?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For the largest estates, tax &quot;discount&quot; and anticipation strategies are essential, especially if the 2026 Finance Bill addresses inheritance.<br><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dividing ownership rights to anticipate future needs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The division of ownership rights (separating the usufruct from the bare ownership) is a powerful tool, especially if it is threatened. Here are a few aspects to understand before implementing a division of ownership rights:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u25cf Donation of bare ownership: giving the bare ownership of an asset (real estate, holding company shares) allows you to pay gift tax only on a discounted value (based on the current scale).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u25cf Termination: Upon the death of the usufructuary, the bare owner recovers full ownership without any additional taxation. It is urgent to act before any potential reform<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Private Equity<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Certain assets offer specific tax advantages. Private equity is sought after for:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u25cf Performance: potential returns uncorrelated with listed markets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>\u25cf IFI taxation: if the new &quot;Tax on Unproductive Wealth&quot; were to come into being, Private Equity (by nature &quot;productive&quot;) would very likely remain outside the tax base, just as it is (under certain conditions) outside the current IFI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>To gain a deeper understanding of these systems, we recommend reading this article: <a href=\"https:\/\/www.millenniuminvest.fr\/en\/comment-investir-500-000-e-en-periode-dinflation\/\">What advanced investment strategies can be used to counter inflation?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2026 Finance Bill: Why is a heritage audit urgent?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The main risk in the face of tax reform is inertia. Waiting for the publication of official texts often means preventing the implementation of the most effective solutions, many of which require time (holding periods, legal structures).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Given this situation, a high-performing asset allocation in 2025 may no longer be optimal for 2026.<br>Anticipation is the hallmark of effective wealth management for demanding portfolios. It transforms tax uncertainty from a risk into a strategic advantage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>The only way to know is to conduct a full audit of your assets, liabilities and holding structures in light of future tax scenarios.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Engaging a specialist firm like Millennium Invest is essential to anticipate future changes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Every autumn, the draft budget bill (PLF) introduces its share of uncertainty and complexity for high-net-worth individuals. Anticipation of the upcoming budget bill is no exception, with persistent rumors of a potential overhaul of capital gains and inheritance taxes. For substantial fortunes, the wait-and-see approach [\u2026]<\/p>","protected":false},"author":2,"featured_media":1575,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1574","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>PLF 2026 : 3 strat\u00e9gies pour optimiser la fiscalit\u00e9 de votre patrimoine - Millennium Invest - Construire votre avenir avec engagement<\/title>\n<meta name=\"description\" content=\"Le projet de loi de finances 2026 menace votre patrimoine ? 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