OUR ADVICE – Before embarking on a tax-exempt investment, the first reflex to have is to ensure the margin available.
Since 2013 and the introduction of a fixed ceiling for tax loopholes, it is in principle impossible to reduce the tax on income of more than 10,000 euros by combining reductions and tax credits. Before embarking on a tax-exempt investment, the first reflex to have is therefore to ensure the margin available. Because, by losing part of the tax advantage to which it entitles, there is a risk of seriously impairing its performance. “You must first calculate your tax as precisely as possible by estimating your income and expenses, then identify all the expenses already incurred in
the year that give rise to a tax advantage and start these 10,000 euros», Explains Sébastien Coiffard, wealth engineer at Bred Private Bank.
If we employ employees at home or if we look after young children, the 10,000 euros are sometimes quickly reached. “We must also think of rental investments such as Scellier, Duflot or Pinel, which still give rise to