Search

The socialist deputy Mickaël Bouloux declares that the Zucman tax, aimed at imposing at least 2% on assets exceeding 100 million euros, is being debated in the National Assembly, while asserting that very large fortunes find ways to avoid this taxation. #TaxeZucman #FranceInsoumise #Fiscalité (translated)

The author explained that the income tax exemptions aimed at young workers were intended, in his opinion, to encourage them to stay in France and contribute to the country's wealth. He also presented apprenticeships and work-study programs as preferred pathways. https://t.co/nr1ka5XGc5 #Imposition #Jeunesse #Apprentissage #FR (translated)

Errors in the calculation of property tax, such as the incorrect allocation of areas, can lead to significant refunds, as evidenced by a Parisian homeowner who recovered 700 euros after correcting his tax assessment. #TaxeFoncière #ErreurDeCalcul #RécupérationFinancière (translated)

Five tax changes concerning cryptocurrencies, including the taxation of conversions to stablecoins and the Exit tax for large estates, have been adopted by the finance committee of the National Assembly as part of the finance bill for 2027, which could significantly impact crypto holders in France. #Cryptomonnaies #Fiscalité #Amendements2027 (translated)

"Today, we know with certainty and documentation that there is no progressivity in the tax system, that a billionaire pays a smaller proportion of taxes than a nurse or a firefighter!" laments Cécile Duflot, the general director of the NGO Oxfam France. #InégalitéFiscale #Oxfam #ImpositionProgressive (translated)

Joan Larroumec believed that Jean-Luc Mélenchon's success with young people revealed their lack of future prospects. According to him, the current system favored older generations in accessing the best jobs and housing, while young people paid high retirement contributions without being able to hope for a comparable pension. He also stated that the level of taxation made it difficult to become wealthy through work and that inheritance inequalities perpetuated social status gaps. Larroumec said that the threat of artificial intelligence was a major concern neglected by politicians. He cited the United States, where, in his view, the employment of 22-25 year-olds in jobs exposed to AI was already about 19% below its trajectory. He predicted that companies would hire less and prioritize protecting their existing employees, often older, and questioned the future of highly educated young people without jobs. He added that young people were waiting for politicians to offer a vision of a desirable and fair life in France for the coming decades, as well as clear rules of the game. According to him, the old path of studying, finding a good job, buying an apartment, and advancing based on merit no longer existed, and no one on the political scene was living up to those expectations. #jeunesse #inégalités #avenir (translated)

Dividend King provided an update on the amendments concerning investors and entrepreneurs reviewed by the finance committee as part of the 2027 budget. He indicated that nearly all proposals aimed at increasing the flat tax had been rejected, such as the proposals to abolish the single flat-rate tax. A final amendment was supposed to be submitted for a vote that very day, but it had little chance of being adopted. According to his report, the committee had rejected all amendments aimed at tightening the Exit Tax, particularly those seeking to extend its duration from 2 to 15 years. However, it had adopted proposals to include portfolios of cryptocurrencies exceeding €800,000 in this scheme, to tax capital gains realized during conversions into stablecoins, and to impose a declaration to the tax authorities for self-hosted crypto portfolios of at least €100,000. Failure to declare could result in a fine of up to €10,000, he specified. Dividend King also stated that an amendment aimed at extending the 2% tax on holdings to financial investments had been withdrawn and that amendment I-CF1440, which proposed to abolish the tax on certain non-professional assets of wealth management holdings, had not been supported. He added that the amendment on contribution-disposition put forward by the general budget rapporteur, Philippe Juvin, had been adopted. This included stricter controls on donations of holding shares and changes to the taxation deferral regime, with transitional provisions for contributions made before October 7, 2026. The author believed that cryptocurrency holders were, at this stage, the main losers. He emphasized, however, that these results only concerned the finance committee and that the amendments still needed to be examined in a public session. He also reminded that amendments rejected in committee could return during debates and that the government could have its original version of the budget adopted through Article 49.3 or through ordinances. #Budget2027 #Cryptomonnaies #Finances (translated)

Paul Vannier wrote that the National Rally voted against eight measures examined the day before in the finance committee, which, according to him, would have made the wealthiest contribute to the financing of public services. He cited the creation of a universal tax aimed at the very wealthy residing abroad, the elimination of the flat tax on dividends, two proposals to raise this tax, the tripling of the surcharge on very high incomes, an increase in the minimum tax rate on large fortunes, a measure against circumventing inheritance rights through the spreading of donations, and the deindexation of the highest tax brackets from inflation. Vannier added that the RN had voted with the Macronists. #JusticeFiscale #Richesse #ServicesPublics (translated)

Hasheur condemned the accumulation of new reporting obligations, data leaks, security issues, and tax rules targeting crypto investors in France. He also criticized a proposal that would make the declaration of large portfolios mandatory, arguing that sharing this sensitive information in the current security context would expose investors. However, he welcomed the possibility of deferring capital losses over ten years. On the other hand, he found concerning the amendment that would make the transition from a cryptocurrency to a stablecoin taxable. According to him, this measure would eliminate tax flexibility, allowing investors to secure their gains without paying tax immediately before withdrawing their profits. Hasheur clarified that the amendment, brought by Nicolas Sansu and deputies from the GDR group, including communists, had been adopted in the finance committee on October 7, but that it had not yet been definitively voted on and therefore had no force of law. He felt that the direction taken was not reassuring and stated that he could no longer believe that the situation made sense. #Crypto #Fiscalité #Investissement (translated)

Dividend King criticized an amendment which, according to him, would propose extending the duration of the Exit Tax to 15 years, compared to the current two or five years. He explained that this provision allowed the French state to tax the unrealized capital gains of certain taxpayers leaving the country, even if they had not sold their securities. According to his description, the taxation could be canceled if the securities were held for two or five years, depending on their value, but would become payable in the event of a sale before the end of the period. He also indicated that financial guarantees could be required depending on the destination country. Dividend King believed that a 15-year period would prevent taxpayers from selling without the French taxation on capital gains accumulated before their departure and could be contrary to European law. He added that the individuals concerned would still have to declare these capital gains to the French tax authorities, even after ten years of living and paying taxes in another country. He presented the amendment as a signal encouraging people to leave France before being subject to the Exit Tax and claimed that socialism ultimately erects barriers to prevent people from leaving. #ExitTax #Fiscalité #Expatriation (translated)

The author criticized Bruno Le Maire for presenting what, according to him, was a deferral as a tax cut. He claimed that the tax rate had decreased by 2 points while the debt rate had increased by 16 points, and accused the former minister of burdening future generations with 1 trillion euros of debt. https://t.co/He1uMCnwcl #Impôts #Endettement #Économie #FR (translated)

Lorsque je parle des investissements que je fais pour mes enfants, il y a une question qui revient assez souvent : “Est-ce qu’il est préférable d’ouvrir un compte titres au nom des enfants ou à mon nom à moi pour leur donner ensuite ?” Pour la grande majorité des cas, la seconde option sera beaucoup plus optimisée, pour pas mal de raisons : 1️⃣ Avoir le compte à votre nom vous permettra de maîtriser le timing de la donation. Rien ne vous oblige à le donner à votre/vos enfants dès leurs 18 ans. À l’inverse, si le compte titres est ouvert au nom de l’enfant, il en récupère le contrôle à ses 18 ans, sans que vous n’ayez votre mot à dire. 2️⃣ Si vous ouvrez un compte au nom de l’enfant et que vous faites des dépôts régulièrement dessus, il y a un risque que ces versements soient considérés comme des dons manuels par le fisc français. Le plus pertinent pour éviter ceci reste de faire des versements ponctuels pour des occasions particulières (Noël, anniversaire, etc.) qui pourront ainsi, sous certaines conditions, être considérés comme des présents d’usage (à condition qu’ils restent cohérents par rapport au patrimoine et aux revenus des parents), plutôt que de faire de petits dépôts réguliers. Ce problème disparaît complètement si le compte est à votre nom. 3️⃣ Sur le plan fiscal, il existe deux mécanismes qui rendent la détention du compte à votre nom très puissante. Le premier, c’est la possibilité de profiter de l’abattement fiscal pour donation. Celui-ci est de 100 000€ par parent et par enfant, tous les 15 ans. Le second, le plus puissant, c’est ce qu’on appelle la purge des plus-values. Admettons que vous ouvriez un compte titres à votre nom, destiné à être donné à votre enfant, Vous accumulez durant la vie de celui-ci des parts d’un ETF S&P500, avec un prix d’achat moyen de 100€, Votre fils a 20 ans, votre investissement a très bien performé, votre ETF a fait x10 et vaut désormais 1 000€. Votre prix d’achat est toujours de 100€. Au moment de la donation, votre fils reçoit donc vos parts d’ETF… Et c’est là que la magie opère 🪄 En droit français, lors d’une donation de titres, la valeur retenue au moment de la donation devient le nouveau prix d’acquisition fiscal pour le bénéficiaire, Autrement dit, si vous donnez à votre fils un ETF qui vaut 1 000€ alors que vous l’aviez acheté 100€, son nouveau prix de revient fiscal sera de 1 000€. Les 900€ de plus-value latente accumulés de votre côté sont donc “purgés”, sans déclencher d’imposition sur cette plus-value. Si votre fils revend immédiatement ses parts à 1 000€, il n’aura donc aucune plus-value imposable. Et s’il les revend quelques années plus tard, disons à 1 500€, sa plus-value imposable sera calculée sur la différence entre 1 500€ et 1 000€, soit 500€, Et non entre 1 500€ et vos 100€ de prix d’achat initial. C’est extrêmement puissant. Vous pouvez donc accumuler pendant des années des actifs à votre nom, conserver le contrôle total du capital, puis transmettre les titres à vos enfants au moment que vous jugez opportun, Vous pouvez alors profiter de l’abattement de 100 000€ par parent et par enfant, tout en purgeant les plus-values latentes accumulées pendant toutes ces années. D’ailleurs, ce mécanisme de purge des plus-values existe aussi pour d’autres types d’actifs, notamment l’immobilier ou les parts de sociétés. Pour toutes ces raisons, je recommande plutôt d’ouvrir un CTO à votre nom et de le donner par la suite, plutôt que d’en ouvrir un directement au nom de vos enfants. #Investissement #FinancePersonnelle #Donations