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Your life insurance, your PEA and your stock investments will be taxed more next year. This is what the deputies decided, who voted for an increase in the CSG on capital income. A proposal from the Socialists, as part of the examination of the Social Security budget, to finance, in particular, the suspension of the pension reform. Are you affected and how much will it cost you?
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Among the latest measures voted on in the Assembly, an increase in the generalized social contribution, the CSG, from 9.2% to 10.6%. All savings products are affected, with a few exceptions, such as the Livret A or the popular savings booklet. Example: you have 50,000 euros in a home savings plan at 2% interest. With this new CSG rate, you will receive not 700 euros, but 686 euros, a loss of 14 euros. Bad news for some savers.
“I worked hard enough to put some savings aside, so it’s not for the state”underlines a local resident. “Those who can afford to save are those who have a little more. So the fact that we can contribute a little to that doesn’t totally shock me”judge does not retaliate against a passerby.
Other investments concerned: employee savings, share sales, and life insurance. For a contract of 10,000 euros invested in euro funds, you receive not 248 euros of return, but 244 euros, a reduction of 4 euros. Small sums which, combined, could bring big returns to the State. “When we put this in the perspective of, for example, the life insurance contract alone, because there are other types of investment in terms of savings, for the life insurance contract alone, 40% of French households will be impacted by this increase. So yes, it could amount to significant sums”explains Frédéric Puzin, founding president of CORUM Épargne.
The Socialist Party, which supports this measure, assumes and intends to generate additional revenue for social security: “We have increased the tax on capital income a little bit. No one is going to die from the increase in this, but it allows us to obtain 2.5 billion to finance the suspension of the pension reform and also to finance additional resources for the hospital. We need a billion more for the hospital today”underlines Philippe Brun, deputy of the Socialists and Related Group of Eure.
To be confirmed, the measure must be validated by the Senate before the final vote on the budget.
