{"id":12586,"date":"2025-03-27T09:49:19","date_gmt":"2025-03-27T08:49:19","guid":{"rendered":"https:\/\/www.mijnvergelijker.be\/?page_id=12586"},"modified":"2025-11-05T14:20:09","modified_gmt":"2025-11-05T13:20:09","slug":"branche-23","status":"publish","type":"page","link":"https:\/\/www.comparateur.be\/branche-23","title":{"rendered":"Branche 23"},"content":{"rendered":"\t\t<script>\n\t\t\tdocument.cookie = 'selectedLanguage=fr';\n\t\t<\/script>\n\t<section id=\"heroes-columns-block_63120645aee7b\" class=\"hero hero--columns heroes-columns\" buttonlabel=\"Continuez\" title=\"Comparez les assurances investissement Branche 23 et faites le bon choix\" cardtitle=\"Consultez l\u2019aper\u00e7u des assurances investissement de la Branche 23 ici\">\n\t<div class=\"container\">\n\t\t<div class=\"row gy-20\">\n\t\t\t<div class=\"col-12 col-lg-6 col-xl-7\">\n\t\t\t\t\t\t\t\t<h1 class=\"heading-xxl\">Comparez les assurances investissement Branche 23 et faites le bon choix<\/h1>\n\n\t\t\t\t\t\t\t\t\t<ul class=\"list list--checked\" buttonlabel=\"Continuez\" title=\"Comparez les assurances investissement Branche 23 et faites le bon choix\" cardtitle=\"Consultez l\u2019aper\u00e7u des assurances investissement de la Branche 23 ici\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>Conseils professionnels du courtier Futuria<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>Sans pr\u00e9compte mobilier<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li>Les frais d\u2019entr\u00e9e les plus bas <\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li> Flexible en choisissant des fonds vous-m\u00eame<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-lg-6 col-xl-5\">\n\t\t\t\t<article class=\"card shadow-sm\">\n\t\t\t\t\t<h2 class=\"card__title heading-lg\">Consultez l\u2019aper\u00e7u des assurances investissement de la Branche 23 ici<\/h2>\n\t\t\t\t\t<div class=\"wysiwyg\">\n\t\t\t\t\t\t<p>\n\t\t\t\t\t\t\t<div class=\"d-none d-md-block\">Le courtier Futuria (n\u00b0 FSMA 104832A) vous aide \u00e0 trouver l\u2019assurance qui correspond parfaitement \u00e0 vos besoins.<\/div>\r\n\r\n\r\n\r\n\t\t\t\t\t\t<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.comparateur.be\/branche-23\/comparer\" class=\"button button--primary\">\n                            <span class=\"d-flex align-items-center\">\n                                Continuez                                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" class=\"arrow-right\"><path d=\"M5 12H19\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><path d=\"M12 5L19 12L12 19\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>                            <\/span>\n                        <\/a>\n\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/section>\n\n\n\n\n\n<div class=\"container\">\n    <div id=\"separator-block_67e51269f2c53\" class=\"separator separator\"><\/div>\n<\/div>\n\n\n\n\n    <section id=\"double-column-block_68ba9a2ab7b49\" class=\"double-column section\">\n        <div class=\"container\">\n            <div class=\"content content--two-column\">\n                <div class=\"row gy-20\">\n                    <div class=\"col-12 col-xl-5\">\n                        <h2 class=\"heading-md\">En quoi consiste une assurance de la branche 23?<\/h2>\n                    <\/div>\n                    <div class=\"col-12 col-xl-7\">\n                                                        <div class=\"articleblock\">\n\n\n                                                                                                                                \n                                                \n\n                                                    <p>Une branche 23 est un produit d\u2019investissement qui investit, entre autres, dans des obligations et des actions. Vous devez payer une prime unique ou sur base r\u00e9guli\u00e8re (en g\u00e9n\u00e9ral, une combinaison des deux est \u00e9galement possible) \u00e0 votre assureur. Ensuite, ce dernier l\u2019investira dans des fonds. Une assurance investissement de la branche 23 est souvent utilis\u00e9e pour la planification successorale. En effet, \u00e0 part vous-m\u00eame, vous pouvez \u00e9galement d\u00e9signer votre partenaire, vos enfants ou d\u2019autres personnes en tant que b\u00e9n\u00e9ficiaires.<\/p>\n\n\n                                                                                                                                                                                                                    <\/div>\n\n                                            <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n\n    <section id=\"double-column-block_68ba9b92b7b50\" class=\"double-column section\">\n        <div class=\"container\">\n            <div class=\"content content--two-column\">\n                <div class=\"row gy-20\">\n                    <div class=\"col-12 col-xl-5\">\n                        <h2 class=\"heading-md\">A quel rendement puis-je m\u2019attendre pour une assurance de la Branche 23?<\/h2>\n                    <\/div>\n                    <div class=\"col-12 col-xl-7\">\n                                                        <div class=\"articleblock\">\n\n\n                                                                                                                                \n                                                \n\n                                                    <p>En ce qui concerne les assurances de la Branche 23, il n\u2019y a aucun rendement garanti. Votre rendement d\u00e9pendra du moment de votre entr\u00e9e, de l\u2019\u00e9volution de la valeur d\u2019inventaire des fonds sous-jacents et de la pond\u00e9ration de chaque fonds au sein du portefeuille.<\/p>\n\n\n                                                                                                                                                                                                                    <\/div>\n\n                                            <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n\n\n<section id=\"image-text-block_68ba9ae4b7b4f\" class=\"image-text-block section\">\n  <div class=\"container\">\n    <div class=\"content content--visual\">\n      <div class=\"row g-0\">\n        <div class=\"col-12 col-xl-6\">\n          <figure class=\"content__visual w-100 h-100 object-fit-cover\">\n                        <img decoding=\"async\"\n              src=\"https:\/\/www.comparateur.be\/wordpress\/wp-content\/uploads\/2025\/02\/Mensen-besparen-op-verzekeringen.jpg\"\n              alt=\"Insert alt text here\"\n            \/>\n                      <\/figure>\n        <\/div>\n        <div class=\"col-12 col-xl-6\">\n                  <div class=\"background background--purple background--purple-100\">\n                        <div class=\"content__inner\">\n              <h2 class=\"heading heading-md\">Quelle est la diff\u00e9rence entre une Branche 23 et une Branche 21?<\/h2>\n              <div class=\"wysiwyg\">\n                <p>\n                 Suite aux rendements actuels plut\u00f4t faibles des assurances \u00e9pargne de la Branche 21, les assurances investissement de la Branche 23 sont devenues de plus en plus populaires les derni\u00e8res ann\u00e9es. En outre, les r\u00e9centes modifications au niveau de la fiscalit\u00e9, au d\u00e9triment de la Branche 21, jouent \u00e9galement en faveur des assurances de la Branche 23. Quelles sont les principales diff\u00e9rences entre la Branche 21 et la Branche 23?                <\/p>\n              <\/div>\n              \n                          <\/div>\n            \n          <\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\n\n\n\n<section id=\"heroes-simple-block_68ba9c4bb7b54\" class=\"heroes-simple hero hero--simple\">\n    <div class=\"container\">\n                <h2 class=\"heading-lg\">Rejoignez les experts du courtier Independer par t\u00e9l\u00e9phone ou via le formulaire de contact<\/h2>\n                <div class=\"wysiwyg wysiwyg--narrow body-lg\">\n                        <p>\n                <p style=\"text-align: center;\">N\u2019h\u00e9sitez pas \u00e0 nous contacter si vous souhaitez obtenir plus d\u2019informations. Nous sommes disponibles tous les jours de la semaine de 9h00 \u00e0 17h00.<\/p>\n            <\/p>\n                    <\/div>\n                    <div class=\"m-b-20\">\n                <a href=\"https:\/\/www.comparateur.be\/contact\" class=\"button button--primary\" type=\"primary\">\n                    <span class=\"d-flex align-items-center\">\n                        Contactez-nous                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"22\" viewBox=\"0 0 24 24\" fill=\"none\" class=\"arrow-right\"><path d=\"M5 12H19\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><path d=\"M12 5L19 12L12 19\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg>                    <\/span>\n                <\/a>\n            <\/div>\n                    <\/div>\n<\/section>\n\n\n\n    <section id=\"double-column-block_6315bcd8fba58\" class=\"double-column section\">\n        <div class=\"container\">\n            <div class=\"content content--two-column\">\n                <div class=\"row gy-20\">\n                    <div class=\"col-12 col-xl-5\">\n                        <h2 class=\"heading-md\">Quel avantage fiscal est li\u00e9 \u00e0 une assurance de la Branche 23?<\/h2>\n                    <\/div>\n                    <div class=\"col-12 col-xl-7\">\n                                                        <div class=\"articleblock\">\n\n\n                                                                                                                                \n                                                \n\n                                                    <p><strong>Aucune optimisation fiscale<\/strong> n&rsquo;est possible avec les assurances de la Branche 23, \u00e0 l&rsquo;exception de l&rsquo;assurance \u00e9pargne-pension de la Branche 23 et de l&rsquo;assurance \u00e9pargne \u00e0 long terme de la Branche 23. Dans ces cas, l&rsquo;avantage fiscal peut s&rsquo;\u00e9lever jusqu&rsquo;\u00e0 30% du montant \u00e9pargn\u00e9. Vous devez reprendre ce montant dans votre d\u00e9claration d\u2019imp\u00f4t.<\/p>\n\n\n                                                                                                                                                                                                                    <\/div>\n\n                                            <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/section>\n\n\n\n\n\n\n\n\n<section id=\"accordion-block_67e3ad4405e45\" class=\"accordion-block section\">\n<h2 class=\"heading-lg text-center mb-50 mb-md-80\">Quels frais sont li\u00e9s \u00e0 une Branche 23?<\/h2>\n  <div class=\"container\">\n    <dl class=\"accordion accordion--white\">\n\n                        \n                    <input type=\"checkbox\" id=\"accordion-item-Quels frais sont li\u00e9s \u00e0 une Branche 23?1\" \/>\n      <dt class=\"accordion__title\">\n        <label class=\"body-lg\" for=\"accordion-item-Quels frais sont li\u00e9s \u00e0 une Branche 23?1\">\n          <svg\n            xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n            viewBox=\"0 0 24 24\"\n            class=\"icon icon--system order-1 order-md-0\"\n            fill=\"currentColor\"\n          >\n            <path\n              transform=\"rotate(0, 12, 12)\"\n              d=\"M13.8899 11.4989L9.25787 6.58127C9.17618 6.49552 9.11132 6.39341 9.06706 6.28086C9.02279 6.16831 9 6.04755 9 5.92558C9 5.80361 9.02279 5.68286 9.06706 5.57031C9.11132 5.45776 9.17618 5.35565 9.25787 5.2699C9.42293 5.09696 9.6455 5 9.8774 5C10.1093 5 10.3319 5.09696 10.4969 5.2699L15.7436 10.8371C15.9033 11.0055 15.9951 11.2331 15.9998 11.472C16.0045 11.7109 15.9216 11.9424 15.7687 12.1177L10.5008 17.727C10.4197 17.8133 10.3234 17.8819 10.2173 17.9287C10.1112 17.9756 9.99751 17.9998 9.88263 18C9.76775 18.0002 9.65396 17.9764 9.54776 17.9299C9.44156 17.8834 9.34502 17.8151 9.26366 17.729C9.18231 17.6429 9.11772 17.5406 9.07359 17.428C9.02947 17.3154 9.00666 17.1947 9.00648 17.0727C9.0063 16.9508 9.02875 16.8299 9.07255 16.7172C9.11634 16.6044 9.18063 16.502 9.26173 16.4156L13.8899 11.4989Z\"\n            ><\/path>\n          <\/svg>\n          <span class=\"order-0 order-md-1\">Les frais d&rsquo;entr\u00e9e<\/span>\n        <\/label>\n      <\/dt> \n\n      \n\n      <dd class=\"accordion__content\">\n            \n      \n        \n        \n           \n        <div class=\"wysiwyg\">\n        <p>Ils peuvent s&rsquo;\u00e9lever jusqu\u2019\u00e0 6%. Il vaut toujours la peine de n\u00e9gocier ceux-ci avec un assureur. Quelques pourcents feront bel et bien la diff\u00e9rence s&rsquo;il s&rsquo;agit de montants consid\u00e9rables. Comme vous pouvez le voir dans le tableau ci-dessus, dans de nombreux cas, nous avons d\u00e9j\u00e0 n\u00e9goci\u00e9 une r\u00e9duction consid\u00e9rable pour vous. Si vous <a href=\"https:\/\/www.comparateur.be\/branche-23\" target=\"_blank\" rel=\"noopener\">contractez une assurance de la Branche 23 via Comparateur.be<\/a>, vous b\u00e9n\u00e9ficierez souvent de taux r\u00e9duits. Qui plus est: via Comparateur.be, certaines parties ne facturent m\u00eame pas de frais d&rsquo;entr\u00e9e.<\/p>\n        \n                \n        <\/div>\n      \n          \n        \n\n        \n      \n\n                            <\/dd> \n                        \n                    <input type=\"checkbox\" id=\"accordion-item-Quels frais sont li\u00e9s \u00e0 une Branche 23?2\" \/>\n      <dt class=\"accordion__title\">\n        <label class=\"body-lg\" for=\"accordion-item-Quels frais sont li\u00e9s \u00e0 une Branche 23?2\">\n          <svg\n            xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n            viewBox=\"0 0 24 24\"\n            class=\"icon icon--system order-1 order-md-0\"\n            fill=\"currentColor\"\n          >\n            <path\n              transform=\"rotate(0, 12, 12)\"\n              d=\"M13.8899 11.4989L9.25787 6.58127C9.17618 6.49552 9.11132 6.39341 9.06706 6.28086C9.02279 6.16831 9 6.04755 9 5.92558C9 5.80361 9.02279 5.68286 9.06706 5.57031C9.11132 5.45776 9.17618 5.35565 9.25787 5.2699C9.42293 5.09696 9.6455 5 9.8774 5C10.1093 5 10.3319 5.09696 10.4969 5.2699L15.7436 10.8371C15.9033 11.0055 15.9951 11.2331 15.9998 11.472C16.0045 11.7109 15.9216 11.9424 15.7687 12.1177L10.5008 17.727C10.4197 17.8133 10.3234 17.8819 10.2173 17.9287C10.1112 17.9756 9.99751 17.9998 9.88263 18C9.76775 18.0002 9.65396 17.9764 9.54776 17.9299C9.44156 17.8834 9.34502 17.8151 9.26366 17.729C9.18231 17.6429 9.11772 17.5406 9.07359 17.428C9.02947 17.3154 9.00666 17.1947 9.00648 17.0727C9.0063 16.9508 9.02875 16.8299 9.07255 16.7172C9.11634 16.6044 9.18063 16.502 9.26173 16.4156L13.8899 11.4989Z\"\n            ><\/path>\n          <\/svg>\n          <span class=\"order-0 order-md-1\">La taxe de 2% sur les primes<\/span>\n        <\/label>\n      <\/dt> \n\n      \n\n      <dd class=\"accordion__content\">\n            \n      \n        \n        \n           \n        <div class=\"wysiwyg\">\n        <p>Elle sera imm\u00e9diatement d\u00e9duite de votre versement. Si vous versez une prime de 1.000 euros, seulement 980 euros seront effectivement investis. La seule exception dans ce contexte: l&rsquo;assurance \u00e9pargne-pension, sur laquelle cette taxe n&rsquo;est pas due.<\/p>\n        \n                \n        <\/div>\n      \n          \n        \n\n        \n      \n\n                            <\/dd> \n                        \n                    <input type=\"checkbox\" id=\"accordion-item-Quels frais sont li\u00e9s \u00e0 une Branche 23?3\" \/>\n      <dt class=\"accordion__title\">\n        <label class=\"body-lg\" for=\"accordion-item-Quels frais sont li\u00e9s \u00e0 une Branche 23?3\">\n          <svg\n            xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n            viewBox=\"0 0 24 24\"\n            class=\"icon icon--system order-1 order-md-0\"\n            fill=\"currentColor\"\n          >\n            <path\n              transform=\"rotate(0, 12, 12)\"\n              d=\"M13.8899 11.4989L9.25787 6.58127C9.17618 6.49552 9.11132 6.39341 9.06706 6.28086C9.02279 6.16831 9 6.04755 9 5.92558C9 5.80361 9.02279 5.68286 9.06706 5.57031C9.11132 5.45776 9.17618 5.35565 9.25787 5.2699C9.42293 5.09696 9.6455 5 9.8774 5C10.1093 5 10.3319 5.09696 10.4969 5.2699L15.7436 10.8371C15.9033 11.0055 15.9951 11.2331 15.9998 11.472C16.0045 11.7109 15.9216 11.9424 15.7687 12.1177L10.5008 17.727C10.4197 17.8133 10.3234 17.8819 10.2173 17.9287C10.1112 17.9756 9.99751 17.9998 9.88263 18C9.76775 18.0002 9.65396 17.9764 9.54776 17.9299C9.44156 17.8834 9.34502 17.8151 9.26366 17.729C9.18231 17.6429 9.11772 17.5406 9.07359 17.428C9.02947 17.3154 9.00666 17.1947 9.00648 17.0727C9.0063 16.9508 9.02875 16.8299 9.07255 16.7172C9.11634 16.6044 9.18063 16.502 9.26173 16.4156L13.8899 11.4989Z\"\n            ><\/path>\n          <\/svg>\n          <span class=\"order-0 order-md-1\">Frais li\u00e9s \u00e0 la gestion<\/span>\n        <\/label>\n      <\/dt> \n\n      \n\n      <dd class=\"accordion__content\">\n            \n      \n        \n        \n           \n        <div class=\"wysiwyg\">\n        <p>En g\u00e9n\u00e9ral, vous devez \u00e9galement tenir compte des\u00a0<strong>frais li\u00e9s \u00e0 la gestion<\/strong>\u00a0de votre contrat. Dans la plupart des cas, ils fluctuent autour de 1%.<\/p>\n        \n                \n        <\/div>\n      \n          \n        \n\n        \n      \n\n                            <\/dd> \n                        \n                    <input type=\"checkbox\" id=\"accordion-item-Quels frais sont li\u00e9s \u00e0 une Branche 23?4\" \/>\n      <dt class=\"accordion__title\">\n        <label class=\"body-lg\" for=\"accordion-item-Quels frais sont li\u00e9s \u00e0 une Branche 23?4\">\n          <svg\n            xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n            viewBox=\"0 0 24 24\"\n            class=\"icon icon--system order-1 order-md-0\"\n            fill=\"currentColor\"\n          >\n            <path\n              transform=\"rotate(0, 12, 12)\"\n              d=\"M13.8899 11.4989L9.25787 6.58127C9.17618 6.49552 9.11132 6.39341 9.06706 6.28086C9.02279 6.16831 9 6.04755 9 5.92558C9 5.80361 9.02279 5.68286 9.06706 5.57031C9.11132 5.45776 9.17618 5.35565 9.25787 5.2699C9.42293 5.09696 9.6455 5 9.8774 5C10.1093 5 10.3319 5.09696 10.4969 5.2699L15.7436 10.8371C15.9033 11.0055 15.9951 11.2331 15.9998 11.472C16.0045 11.7109 15.9216 11.9424 15.7687 12.1177L10.5008 17.727C10.4197 17.8133 10.3234 17.8819 10.2173 17.9287C10.1112 17.9756 9.99751 17.9998 9.88263 18C9.76775 18.0002 9.65396 17.9764 9.54776 17.9299C9.44156 17.8834 9.34502 17.8151 9.26366 17.729C9.18231 17.6429 9.11772 17.5406 9.07359 17.428C9.02947 17.3154 9.00666 17.1947 9.00648 17.0727C9.0063 16.9508 9.02875 16.8299 9.07255 16.7172C9.11634 16.6044 9.18063 16.502 9.26173 16.4156L13.8899 11.4989Z\"\n            ><\/path>\n          <\/svg>\n          <span class=\"order-0 order-md-1\">Les frais de transfert<\/span>\n        <\/label>\n      <\/dt> \n\n      \n\n      <dd class=\"accordion__content\">\n            \n      \n        \n        \n           \n        <div class=\"wysiwyg\">\n        <p><strong>Les frais de transfert<\/strong>: si vous voulez changer de fonds entretemps, des frais y seront souvent li\u00e9s.<\/p>\n        \n                \n        <\/div>\n      \n          \n        \n\n        \n      \n\n                            <\/dd> \n                        \n                    <input type=\"checkbox\" id=\"accordion-item-Quels frais sont li\u00e9s \u00e0 une Branche 23?5\" \/>\n      <dt class=\"accordion__title\">\n        <label class=\"body-lg\" for=\"accordion-item-Quels frais sont li\u00e9s \u00e0 une Branche 23?5\">\n          <svg\n            xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n            viewBox=\"0 0 24 24\"\n            class=\"icon icon--system order-1 order-md-0\"\n            fill=\"currentColor\"\n          >\n            <path\n              transform=\"rotate(0, 12, 12)\"\n              d=\"M13.8899 11.4989L9.25787 6.58127C9.17618 6.49552 9.11132 6.39341 9.06706 6.28086C9.02279 6.16831 9 6.04755 9 5.92558C9 5.80361 9.02279 5.68286 9.06706 5.57031C9.11132 5.45776 9.17618 5.35565 9.25787 5.2699C9.42293 5.09696 9.6455 5 9.8774 5C10.1093 5 10.3319 5.09696 10.4969 5.2699L15.7436 10.8371C15.9033 11.0055 15.9951 11.2331 15.9998 11.472C16.0045 11.7109 15.9216 11.9424 15.7687 12.1177L10.5008 17.727C10.4197 17.8133 10.3234 17.8819 10.2173 17.9287C10.1112 17.9756 9.99751 17.9998 9.88263 18C9.76775 18.0002 9.65396 17.9764 9.54776 17.9299C9.44156 17.8834 9.34502 17.8151 9.26366 17.729C9.18231 17.6429 9.11772 17.5406 9.07359 17.428C9.02947 17.3154 9.00666 17.1947 9.00648 17.0727C9.0063 16.9508 9.02875 16.8299 9.07255 16.7172C9.11634 16.6044 9.18063 16.502 9.26173 16.4156L13.8899 11.4989Z\"\n            ><\/path>\n          <\/svg>\n          <span class=\"order-0 order-md-1\">Frais de sortie<\/span>\n        <\/label>\n      <\/dt> \n\n      \n\n      <dd class=\"accordion__content\">\n            \n      \n        \n        \n           \n        <div class=\"wysiwyg\">\n        <p>Tenez \u00e9galement compte des\u00a0<strong>frais de sortie<\/strong> si vous voulez la revendre pr\u00e9matur\u00e9ment (en g\u00e9n\u00e9ral, ceci signifie: moins de 5 ans apr\u00e8s votre entr\u00e9e). Une assurance investissement de la Branche 23 est un investissement \u00e0 long terme. Tenez en compte avant d\u2019entreprendre cette d\u00e9marche!<\/p>\n        \n                \n        <\/div>\n      \n          \n        \n\n        \n      \n\n                            <\/dd> \n            \n<\/dl>\n  <\/div>\n<\/section>\n      \n\n\n\n\n\n      \n    \n\n\n\n\n\n\n\n\n\n<section id=\"accordion-block_68ba9bc6b7b53\" class=\"accordion-block section\">\n<h2 class=\"heading-lg text-center mb-50 mb-md-80\">Points importants \u00e0 prendre en compte<\/h2>\n  <div class=\"container\">\n    <dl class=\"accordion accordion--white\">\n\n                        \n                    <input type=\"checkbox\" id=\"accordion-item-Points importants \u00e0 prendre en compte1\" \/>\n      <dt class=\"accordion__title\">\n        <label class=\"body-lg\" for=\"accordion-item-Points importants \u00e0 prendre en compte1\">\n          <svg\n            xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n            viewBox=\"0 0 24 24\"\n            class=\"icon icon--system order-1 order-md-0\"\n            fill=\"currentColor\"\n          >\n            <path\n              transform=\"rotate(0, 12, 12)\"\n              d=\"M13.8899 11.4989L9.25787 6.58127C9.17618 6.49552 9.11132 6.39341 9.06706 6.28086C9.02279 6.16831 9 6.04755 9 5.92558C9 5.80361 9.02279 5.68286 9.06706 5.57031C9.11132 5.45776 9.17618 5.35565 9.25787 5.2699C9.42293 5.09696 9.6455 5 9.8774 5C10.1093 5 10.3319 5.09696 10.4969 5.2699L15.7436 10.8371C15.9033 11.0055 15.9951 11.2331 15.9998 11.472C16.0045 11.7109 15.9216 11.9424 15.7687 12.1177L10.5008 17.727C10.4197 17.8133 10.3234 17.8819 10.2173 17.9287C10.1112 17.9756 9.99751 17.9998 9.88263 18C9.76775 18.0002 9.65396 17.9764 9.54776 17.9299C9.44156 17.8834 9.34502 17.8151 9.26366 17.729C9.18231 17.6429 9.11772 17.5406 9.07359 17.428C9.02947 17.3154 9.00666 17.1947 9.00648 17.0727C9.0063 16.9508 9.02875 16.8299 9.07255 16.7172C9.11634 16.6044 9.18063 16.502 9.26173 16.4156L13.8899 11.4989Z\"\n            ><\/path>\n          <\/svg>\n          <span class=\"order-0 order-md-1\">Plus de risques<\/span>\n        <\/label>\n      <\/dt> \n\n      \n\n      <dd class=\"accordion__content\">\n            \n      \n        \n        \n           \n        <div class=\"wysiwyg\">\n        <p>Une assurance investissement de la Branche 23 implique <strong>plus de risques<\/strong> qu\u2019une assurance \u00e9pargne de la Branche 21, mais son rendement potentiel est plus \u00e9lev\u00e9.<\/p>\n        \n                \n        <\/div>\n      \n          \n        \n\n        \n      \n\n                            <\/dd> \n                        \n                    <input type=\"checkbox\" id=\"accordion-item-Points importants \u00e0 prendre en compte2\" \/>\n      <dt class=\"accordion__title\">\n        <label class=\"body-lg\" for=\"accordion-item-Points importants \u00e0 prendre en compte2\">\n          <svg\n            xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n            viewBox=\"0 0 24 24\"\n            class=\"icon icon--system order-1 order-md-0\"\n            fill=\"currentColor\"\n          >\n            <path\n              transform=\"rotate(0, 12, 12)\"\n              d=\"M13.8899 11.4989L9.25787 6.58127C9.17618 6.49552 9.11132 6.39341 9.06706 6.28086C9.02279 6.16831 9 6.04755 9 5.92558C9 5.80361 9.02279 5.68286 9.06706 5.57031C9.11132 5.45776 9.17618 5.35565 9.25787 5.2699C9.42293 5.09696 9.6455 5 9.8774 5C10.1093 5 10.3319 5.09696 10.4969 5.2699L15.7436 10.8371C15.9033 11.0055 15.9951 11.2331 15.9998 11.472C16.0045 11.7109 15.9216 11.9424 15.7687 12.1177L10.5008 17.727C10.4197 17.8133 10.3234 17.8819 10.2173 17.9287C10.1112 17.9756 9.99751 17.9998 9.88263 18C9.76775 18.0002 9.65396 17.9764 9.54776 17.9299C9.44156 17.8834 9.34502 17.8151 9.26366 17.729C9.18231 17.6429 9.11772 17.5406 9.07359 17.428C9.02947 17.3154 9.00666 17.1947 9.00648 17.0727C9.0063 16.9508 9.02875 16.8299 9.07255 16.7172C9.11634 16.6044 9.18063 16.502 9.26173 16.4156L13.8899 11.4989Z\"\n            ><\/path>\n          <\/svg>\n          <span class=\"order-0 order-md-1\">Pas de rendement garanti\u00a0<\/span>\n        <\/label>\n      <\/dt> \n\n      \n\n      <dd class=\"accordion__content\">\n            \n      \n        \n        \n           \n        <div class=\"wysiwyg\">\n        <p>Contrairement \u00e0 l&rsquo;assurance \u00e9pargne de la Branche 21, il n&rsquo;y a <strong>pas de rendement garanti<\/strong> pour une assurance investissement de la Branche 23. La valeur d\u2019une assurance de la Branche 23 change constamment \u00e9tant donn\u00e9 qu\u2019elle est soumise aux fluctuations des fonds sous-jacents.<\/p>\n        \n                \n        <\/div>\n      \n          \n        \n\n        \n      \n\n                            <\/dd> \n                        \n                    <input type=\"checkbox\" id=\"accordion-item-Points importants \u00e0 prendre en compte3\" \/>\n      <dt class=\"accordion__title\">\n        <label class=\"body-lg\" for=\"accordion-item-Points importants \u00e0 prendre en compte3\">\n          <svg\n            xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n            viewBox=\"0 0 24 24\"\n            class=\"icon icon--system order-1 order-md-0\"\n            fill=\"currentColor\"\n          >\n            <path\n              transform=\"rotate(0, 12, 12)\"\n              d=\"M13.8899 11.4989L9.25787 6.58127C9.17618 6.49552 9.11132 6.39341 9.06706 6.28086C9.02279 6.16831 9 6.04755 9 5.92558C9 5.80361 9.02279 5.68286 9.06706 5.57031C9.11132 5.45776 9.17618 5.35565 9.25787 5.2699C9.42293 5.09696 9.6455 5 9.8774 5C10.1093 5 10.3319 5.09696 10.4969 5.2699L15.7436 10.8371C15.9033 11.0055 15.9951 11.2331 15.9998 11.472C16.0045 11.7109 15.9216 11.9424 15.7687 12.1177L10.5008 17.727C10.4197 17.8133 10.3234 17.8819 10.2173 17.9287C10.1112 17.9756 9.99751 17.9998 9.88263 18C9.76775 18.0002 9.65396 17.9764 9.54776 17.9299C9.44156 17.8834 9.34502 17.8151 9.26366 17.729C9.18231 17.6429 9.11772 17.5406 9.07359 17.428C9.02947 17.3154 9.00666 17.1947 9.00648 17.0727C9.0063 16.9508 9.02875 16.8299 9.07255 16.7172C9.11634 16.6044 9.18063 16.502 9.26173 16.4156L13.8899 11.4989Z\"\n            ><\/path>\n          <\/svg>\n          <span class=\"order-0 order-md-1\">Une assurance vie de la Branche 23 ne tombe pas sous le\u00a0Fonds de garantie<\/span>\n        <\/label>\n      <\/dt> \n\n      \n\n      <dd class=\"accordion__content\">\n            \n      \n        \n        \n           \n        <div class=\"wysiwyg\">\n        <p>Une assurance vie de la Branche 23 ne tombe pas sous le <strong>Fonds de garantie<\/strong>. Contrairement aux assurances de la Branche 21, vous ne b\u00e9n\u00e9ficierez <strong>d&rsquo;aucune protection<\/strong>\u00a0au cas o\u00f9 votre assureur ferait faillite.<\/p>\n        \n                \n        <\/div>\n      \n          \n        \n\n        \n      \n\n                            <\/dd> \n                        \n                    <input type=\"checkbox\" id=\"accordion-item-Points importants \u00e0 prendre en compte4\" \/>\n      <dt class=\"accordion__title\">\n        <label class=\"body-lg\" for=\"accordion-item-Points importants \u00e0 prendre en compte4\">\n          <svg\n            xmlns=\"http:\/\/www.w3.org\/2000\/svg\"\n            viewBox=\"0 0 24 24\"\n            class=\"icon icon--system order-1 order-md-0\"\n            fill=\"currentColor\"\n          >\n            <path\n              transform=\"rotate(0, 12, 12)\"\n              d=\"M13.8899 11.4989L9.25787 6.58127C9.17618 6.49552 9.11132 6.39341 9.06706 6.28086C9.02279 6.16831 9 6.04755 9 5.92558C9 5.80361 9.02279 5.68286 9.06706 5.57031C9.11132 5.45776 9.17618 5.35565 9.25787 5.2699C9.42293 5.09696 9.6455 5 9.8774 5C10.1093 5 10.3319 5.09696 10.4969 5.2699L15.7436 10.8371C15.9033 11.0055 15.9951 11.2331 15.9998 11.472C16.0045 11.7109 15.9216 11.9424 15.7687 12.1177L10.5008 17.727C10.4197 17.8133 10.3234 17.8819 10.2173 17.9287C10.1112 17.9756 9.99751 17.9998 9.88263 18C9.76775 18.0002 9.65396 17.9764 9.54776 17.9299C9.44156 17.8834 9.34502 17.8151 9.26366 17.729C9.18231 17.6429 9.11772 17.5406 9.07359 17.428C9.02947 17.3154 9.00666 17.1947 9.00648 17.0727C9.0063 16.9508 9.02875 16.8299 9.07255 16.7172C9.11634 16.6044 9.18063 16.502 9.26173 16.4156L13.8899 11.4989Z\"\n            ><\/path>\n          <\/svg>\n          <span class=\"order-0 order-md-1\">Aucun pr\u00e9compte mobilier n&rsquo;est d\u00fb<\/span>\n        <\/label>\n      <\/dt> \n\n      \n\n      <dd class=\"accordion__content\">\n            \n      \n        \n        \n           \n        <div class=\"wysiwyg\">\n        <p>En ce qui concerne les assurances de la Branche 23, aucun pr\u00e9compte mobilier n&rsquo;est d\u00fb; en ce qui concerne celles de la Branche 21, ceci est le cas si la dur\u00e9e de votre police s\u2019\u00e9l\u00e8ve \u00e0 moins de 8 ans ou si vous retirez votre argent avant le 8<sup>\u00e8me<\/sup>\u00a0anniversaire de votre contrat.<\/p>\n        \n                \n        <\/div>\n      \n          \n        \n\n        \n      \n\n                            <\/dd> \n            \n<\/dl>\n  <\/div>\n<\/section>\n      \n\n\n\n\n\n      \n    \n\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":8,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-12586","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.4 (Yoast SEO v23.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comparer les assurances investissement de la Branche 23 - Comparateur.be<\/title>\n<meta name=\"description\" content=\"Recherchez-vous un rendement sup\u00e9rieur? D\u00e9couvrez tout ce que vous devez savoir au sujet de l&#039;assurance de la branche 23.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.comparateur.be\/branche-23\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Branche 23\" \/>\n<meta property=\"og:description\" content=\"Recherchez-vous un rendement sup\u00e9rieur? D\u00e9couvrez tout ce que vous devez savoir au sujet de l&#039;assurance de la branche 23.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.comparateur.be\/branche-23\" \/>\n<meta property=\"og:site_name\" content=\"Comparateur.be\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Mijnvergelijker\/\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-05T13:20:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.comparateur.be\/wordpress\/wp-content\/uploads\/2024\/09\/Algemeen_met-slogan_NL@.png\" \/>\n\t<meta property=\"og:image:width\" content=\"2444\" \/>\n\t<meta property=\"og:image:height\" content=\"418\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.comparateur.be\/branche-23\",\"url\":\"https:\/\/www.comparateur.be\/branche-23\",\"name\":\"Comparer les assurances investissement de la Branche 23 - Comparateur.be\",\"isPartOf\":{\"@id\":\"https:\/\/www.comparateur.be\/#website\"},\"datePublished\":\"2025-03-27T08:49:19+00:00\",\"dateModified\":\"2025-11-05T13:20:09+00:00\",\"description\":\"Recherchez-vous un rendement sup\u00e9rieur? D\u00e9couvrez tout ce que vous devez savoir au sujet de l'assurance de la branche 23.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.comparateur.be\/branche-23#breadcrumb\"},\"inLanguage\":\"fr-BE\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.comparateur.be\/branche-23\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.comparateur.be\/branche-23#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.comparateur.be\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Branche 23\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.comparateur.be\/#website\",\"url\":\"https:\/\/www.comparateur.be\/\",\"name\":\"MIjnvergelijker.be\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.comparateur.be\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.comparateur.be\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"fr-BE\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.comparateur.be\/#organization\",\"name\":\"Comparateur.be\",\"url\":\"https:\/\/www.comparateur.be\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-BE\",\"@id\":\"https:\/\/www.comparateur.be\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.comparateur.be\/wordpress\/wp-content\/uploads\/2024\/09\/Algemeen_met-slogan_NL@.png\",\"contentUrl\":\"https:\/\/www.comparateur.be\/wordpress\/wp-content\/uploads\/2024\/09\/Algemeen_met-slogan_NL@.png\",\"width\":2444,\"height\":418,\"caption\":\"Comparateur.be\"},\"image\":{\"@id\":\"https:\/\/www.comparateur.be\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/Mijnvergelijker\/\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Comparer les assurances investissement de la Branche 23 - Comparateur.be","description":"Recherchez-vous un rendement sup\u00e9rieur? D\u00e9couvrez tout ce que vous devez savoir au sujet de l'assurance de la branche 23.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.comparateur.be\/branche-23","og_locale":"fr_FR","og_type":"article","og_title":"Branche 23","og_description":"Recherchez-vous un rendement sup\u00e9rieur? D\u00e9couvrez tout ce que vous devez savoir au sujet de l'assurance de la branche 23.","og_url":"https:\/\/www.comparateur.be\/branche-23","og_site_name":"Comparateur.be","article_publisher":"https:\/\/www.facebook.com\/Mijnvergelijker\/","article_modified_time":"2025-11-05T13:20:09+00:00","og_image":[{"width":2444,"height":418,"url":"https:\/\/www.comparateur.be\/wordpress\/wp-content\/uploads\/2024\/09\/Algemeen_met-slogan_NL@.png","type":"image\/png"}],"twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.comparateur.be\/branche-23","url":"https:\/\/www.comparateur.be\/branche-23","name":"Comparer les assurances investissement de la Branche 23 - Comparateur.be","isPartOf":{"@id":"https:\/\/www.comparateur.be\/#website"},"datePublished":"2025-03-27T08:49:19+00:00","dateModified":"2025-11-05T13:20:09+00:00","description":"Recherchez-vous un rendement sup\u00e9rieur? D\u00e9couvrez tout ce que vous devez savoir au sujet de l'assurance de la branche 23.","breadcrumb":{"@id":"https:\/\/www.comparateur.be\/branche-23#breadcrumb"},"inLanguage":"fr-BE","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.comparateur.be\/branche-23"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.comparateur.be\/branche-23#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.comparateur.be\/"},{"@type":"ListItem","position":2,"name":"Branche 23"}]},{"@type":"WebSite","@id":"https:\/\/www.comparateur.be\/#website","url":"https:\/\/www.comparateur.be\/","name":"MIjnvergelijker.be","description":"","publisher":{"@id":"https:\/\/www.comparateur.be\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.comparateur.be\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"fr-BE"},{"@type":"Organization","@id":"https:\/\/www.comparateur.be\/#organization","name":"Comparateur.be","url":"https:\/\/www.comparateur.be\/","logo":{"@type":"ImageObject","inLanguage":"fr-BE","@id":"https:\/\/www.comparateur.be\/#\/schema\/logo\/image\/","url":"https:\/\/www.comparateur.be\/wordpress\/wp-content\/uploads\/2024\/09\/Algemeen_met-slogan_NL@.png","contentUrl":"https:\/\/www.comparateur.be\/wordpress\/wp-content\/uploads\/2024\/09\/Algemeen_met-slogan_NL@.png","width":2444,"height":418,"caption":"Comparateur.be"},"image":{"@id":"https:\/\/www.comparateur.be\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/Mijnvergelijker\/"]}]}},"_links":{"self":[{"href":"https:\/\/www.comparateur.be\/wordpress\/wp-json\/wp\/v2\/pages\/12586"}],"collection":[{"href":"https:\/\/www.comparateur.be\/wordpress\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.comparateur.be\/wordpress\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.comparateur.be\/wordpress\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.comparateur.be\/wordpress\/wp-json\/wp\/v2\/comments?post=12586"}],"version-history":[{"count":37,"href":"https:\/\/www.comparateur.be\/wordpress\/wp-json\/wp\/v2\/pages\/12586\/revisions"}],"predecessor-version":[{"id":14675,"href":"https:\/\/www.comparateur.be\/wordpress\/wp-json\/wp\/v2\/pages\/12586\/revisions\/14675"}],"wp:attachment":[{"href":"https:\/\/www.comparateur.be\/wordpress\/wp-json\/wp\/v2\/media?parent=12586"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}