L’épargne salariale une alternative efficace à l’épargne classique

L’épargne salariale une alternative efficace à l’épargne classique

À l’heure où l’épargne est faiblement rémunérée, la fiscalité pèse de plus en plus.
En remplissant ces derniers jours leur déclaration de revenus en ligne, certains contribuables ont eu la désagréable surprise de découvrir le véritable rendement de leur épargne.C’est-à-dire après impôts.

Les placements, tels que les livrets bancaires, l’immobilier locatif (y compris SCPI) ou encore les actions
(mais aussi les obligations, les sicav détenues hors PEA ou assurance-vie…), sont fiscalisés comme les revenus. Les gains sont donc soumis au barème progressif de l’impôt sur le revenu et aux prélèvements sociaux (15,5%). Ce qui peut être très lourd pour les personnes fortement taxées. Et ce qui tombe très mal, à l’heure où la rémunération des placements est mise à mal par des taux d’intérêt historiquement bas et des marchés financiers chahutés. Bref, la période a rarement été aussi délicate pour les épargnants.
Risque de perte
Prenons l’exemple des dividendes d’actions, taxés à l’impôt sur le revenu après un abattement de 40% et rapportant en moyenne 3% l’an dernier. En tenant compte de cette hypothèse de rendement, un épargnant ayant investi 20.000 euros sur des actions logées à l’intérieur de son compte-titres, aurait gagné 600 euros brut en 2015. Mais s’il est taxé à 30%, son gain potentiel tombera après impôt et prélèvements sociaux à 408 euros. Et il ne gagnera plus que 371,95 euros, si son taux marginal d’imposition est de 41 %, selon
les calculs de Fidroit.
L’ISF va laminer un peu plus ce rendement. Si le contribuable est taxé au taux de 0,7 % (patrimoine compris entre 1,3 et 2,57 millions d’euros), ses dividendes ne lui rapporteront plus que 268,18 euros si sa tranche marginale d’imposition s’élève à 30 % et seulement 231,95 à 41 %!
Le rabot est encore plus important avec les placements qui ne bénéficient d’aucun abattement spécifique comme les revenus locatifs au-delà de 15.000 euros et surtout les livrets bancaires, dont la rémunération est désormais famélique.
Les épargnants fortement imposés prennent même le risque de perdre de l’argent. Ainsi, une personne ayant placé 20.000 euros sur un livret rémunéré 1,2 % brut, ne gagnera que 240 euros par an avant impôts, 134,47 euros si elle est taxée à 30 % et 62,80 euros à 41 %. La donne se corse après l’ISF (à 0,7 %). Au final, dans la première hypothèse,l’épargnant perdra 5,53 euros et dans la deuxième 30,58 euros! À part pour ceux qui sont imposés à 14 %, le livret A défiscalisé reste imbattable pour ses liquidités (gain de 150 euros par an avec 20 000 euros avant ISF).
«Mis à part pour l’investissement dans des sociétés non cotées, avec certaines conditions de durée de détention, plus rien ne justifie de détenir des placements en direct. L’écart entre le rendement avant et après impôt est trop important», explique Audrey Koenig, directeur de la gestion de fortune à la Banque privée 1818. Il est plus que jamais recommandé de loger ses actions et sicav dans un PEA ou un contrat d’assurance-vie, qui échappent à l’impôt sur le revenu, mais pas aux prélèvements sociaux et à l’ISF.
«Sans oublier les dispositifs d’épargne salariale, comme le PEE ou le Perco, qui permettent
également d’épargner sans payer d’impôt sur le revenu», ajoute Cécile Roure, fiscaliste patrimoniale chez LCL Banque privée.
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