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Give order to pay less taxes

philanthropy is often more cost-effective to reduce taxes that the investments défiscalisants. Good news for philanthropists hunters of the tax benefits ! Not

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Give order to pay less taxes

philanthropy is often more cost-effective to reduce taxes that the investments défiscalisants.

Good news for philanthropists hunters of the tax benefits ! Not only the donations made in 2018 continue to give entitlement to tax reductions in the same extent as in previous years, but the tax man made a flower with the donors. No need to wait for September to "recover" the tax reduction generated by their donations, with the payment of the balance of their income tax because the tax refund directly 60% by January 2019. So 60% of 66% for donations to organizations recognized of public utility, and 60% to 75% for the charitable donations coming to the aid of people in difficulty, in the limit of 531 € per year.

While almost half of the donations to the associations focus on the last three months of the year, according to the union France Generosity, which gathers the actors of the sector, the accelerated repayment further strengthens the attractiveness of this tax exemption in 2018.

More effective than a placement défiscalisant

Few people know this, but philanthropy is often more effective to reduce taxes and to grow his or her savings as most investments of tax-exemption. To understand the benefits of tax-exemption philanthropic, compare it to an investment in mutual funds investment in innovation (FCPI) and investment funds proximity (FIP) to provide today's 18% tax reduction.

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READ ALSO >> Philanthropy: Up to 75% reduction of income tax

Invest 10 000 € in real estate provides 1 800 € tax reduction. But how much gets there at the end ? On the FCPI and FIP reimbursed to date, underwriters have on average lost 5.88 percent, after an average duration of nine years and eight months. They have recovered 9 412 €, in addition to their income tax reduction initial.

The philanthropy brings to the tax reduction by blocking less money. We can get 1 800 € of tax reductions, giving 531 € to charities coming to the aid of people in difficulty (with a 75% tax reduction), or 398 € of tax benefit, plus 2 125 € of donations to other organizations of general interest (with a 66% tax reduction), or 1 402 € to be deducted from his income tax. We can therefore generate as much tax reduction with 2 656 € of donations that, by investing 10 000 € in real estate.

Why spend 10 000 € to investments that are tax exempt ? You can earn more, in the end, decoupling tax exemption and research performance. Since the tax reduction is the same with 2 656 € of donations with 10 000 € of investments tax exempt, it is possible to invest the difference freely, either 7 344 €.

About eight years, the equity fund, the French have earned, on average, 56%, and 100% of the funds for shares of small companies, according to the database Quantalys, October 23, 2018. An investment of 7 344 € in funds French equities eight years ago, would therefore be between 11 450 and 14 688 € today, much more than the 9 412 € recovered with the FCPI and FIP.

Read our complete file

How to pay less tax thanks to the donations that Employment of an employee at home: take advantage of the tax credit cover expenses ?

while past performance does not foretell future results, it is understood that donations providing 66% to 75% tax reduction, coupled with investment performance, report more, in the long term, most investments of tax-exemption to the scores as disappointing.

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