Tax exemption by the FCIC and FIP

How not to pay taxes or at least reduce them!

There are indeed ways to reduce your taxes or not pay. This information is not illegal, just to be well informed.
It's just one solution among many tax exemptions!

The goal is not to defraud the tax authorities, but to inform you about what we say openly avoided ... We may rail against taxes, we must admit they are needed. How else would we have our public services, our highways, etc.. ?

Even if you are taxed very little, it is certainly interesting for you. The principle is very simple: the French state since 1997 enables you to invest in some 160 funds, and already more than 3 billion euros have been invested by people who are very knowledgeable. This still represents an overall tax savings of 750 million euros!

This placement is nothing special: they are FCPI and FIP! You may have heard everything and anything about these investments?

It is true that at the launch of these, and especially during the first two years, the management of FCIC has not been very successful and the precursors of these investments were somewhat cooled. Thereafter, everything is back to normal and the situation remained relatively stable.

It has a rule for this type of product! "First come, first served! ". Yes, it is the principle of mutual fund in Innovation (FCIC) and the Local Investment Fund (PIF).

You must buy your shares before December 31st of the year.
Example: You want to reduce your taxes for 2009, so you need to invest before 31 December 2008. You will get a reduction equivalent to 25% of your bet.

I recommend you not to place the amount in FCPI to cancel your taxes if you have the necessary amount.

Example: Your income tax in 2008 likely will be 1200 euros. To reduce it to zero, given that the deduction is 25% of the amount invested, you need to place 4400 euros.

Some would say it's a lot and must have the funds! True, but you should see it in the long term (between six and twelve years).
You can go forward but it will pay a fee. Attention! To qualify for the tax reduction, you must keep the innovation funds five years. If you sell your shares before the deadline, so you should repay the FISC!

And that's not all capital gains will be tax exempt while that after five years. The FCIC provides this second tax benefit (excluding CSG, CRDS and social security contributions).

You do not have the amount available to reduce your taxes to zero? It does not matter, then put the amount you have and you will have the corresponding tax benefit!

Example: you have 2000 euros to invest, it will make you 500 euros in less tax.

Imagine that you take the option to pay your taxes: you pay your 1200 euros that will benefit the community, but you choose to never see them again!

In the second option, you save money and invest the money for your taxes, you earn interest. Some years later, you get money from your taxes, your bet and your interests.

What more?

Tip: Take the necessary information in trade magazines, Internet, etc.. To review the various programs of the past years, and preferably invest in companies that have performed well.

The goal is not for you to earn a lot but to shelter money from your taxes and recover a little more if possible.

You can now subscribe to most of FCPI via specialized sites.

Of course, it is also possible to go through a bank or directly by a management company, but you will have additional costs of around 5% against 1 or 2% live on sites, and you'll certainly less choice ...