Analysis of the 2025 draft budget; Life insurance: reconciling security and growth
- Apr 2
- 2 min read
Updated: Apr 22
Analysis of the 2025 Finance Bill: Current Status After Senate Review 🔍 Two months after the start of parliamentary proceedings
Status report following the Senate review 🏛️
Two months after the start of parliamentary debates, the Senate has completed its examination of the draft budget law for 2025. This process, far from being symbolic, has resulted in significant adjustments to several tax measures.
Measures withdrawn ❌
Flat Tax : the proposal to increase the rate has been abandoned, keeping the rate at 30% .
Exit Tax : the proposed tightening has been rejected, maintaining the existing framework.
Micro-foncier : the initially proposed 50% allowance has been reduced to 30% by amendment.
Capital gains on real estate : the planned reforms have been cancelled, reinstating the old method of calculation.
Measures adopted or maintained ✅
Income tax scale increase of 2% .
Maintenance of the differential contribution on high incomes .
Creation of a tax on unproductive wealth , broadening its tax base.
Renewal of the tax relief for retired business owners until 2031.
Extension of the zero-interest loan to the entire territory, with a raised ceiling.
These decisions are part of a desire for budgetary control while maintaining levers to attract long-term savings and real estate investments.
Life insurance: combining security and performance 📈
Life insurance remains an essential savings tool. It combines tax advantages , flexible management , and easy inheritance . However, many savers – particularly women – express reservations due to market volatility .
A simple strategy to implement 🔑
To optimize your contract while limiting risks, here is a recommended method:
Securing the investment : allocating a majority of the capital to euro funds , which offer a moderate return but a capital guarantee.
Boost cautiously : allocate a minority fraction (for example 10 to 20%) to units of account , which are more volatile but also potentially more efficient.
This approach allows you to take advantage of the potential of the markets while preserving your main savings .
Example of a concrete allocation 📊
Let's say you want to guarantee €1,000 in 8 years. Assuming a net return of 2% (close to the averages observed on euro funds), you only need to invest approximately €852 in the euro fund.
You can then use the remaining €148 (15%) to expose yourself to dynamic investments, without compromising your security objective.
Adjusting your allocation over time ⏳
The longer the investment period, the more it is possible to gradually increase the proportion of unit-linked funds without compromising overall security. This allows you to benefit from greater diversification while adapting to changes in your risk profile.
Conclusion: balancing stability and performance 🧭
The 2025 budget bill confirms a desire to adjust the tax framework without fundamentally altering it . In this context, life insurance remains a powerful tool for optimizing one's assets, provided the contract is structured methodically and proactively .
At Evevest , we support each investor, beginner or experienced, in setting up personalized allocation strategies , combining prudence and performance according to each person's objectives.
