# Fr Fiscalite Investissement

> French investment taxation for individuals — PEA, CTO, assurance-vie, PER, crypto, dividends, interest, capital gains optimization.

- **Type:** Skill
- **Install:** `agentstack add skill-builderced-agent-skills-fr-fiscalite-investissement`
- **Verified:** Yes — security-reviewed for prompt injection and unsafe behavior
- **Seller:** [BuilderCed](https://agentstack.voostack.com/s/builderced)
- **Installs:** 0
- **Category:** [Finance & Payments](https://agentstack.voostack.com/c/finance-and-payments)
- **Latest version:** 0.1.0
- **License:** MIT
- **Upstream author:** [BuilderCed](https://github.com/BuilderCed)
- **Source:** https://github.com/BuilderCed/agent-skills/tree/main/skills/metier-fr/fr-fiscalite-investissement
- **Website:** https://skills.sh/BuilderCed/agent-skills

## Install

```sh
agentstack add skill-builderced-agent-skills-fr-fiscalite-investissement
```

Requires the [AgentStack CLI](https://agentstack.voostack.com/docs/cli). Works with Claude Code, Cursor, and any MCP-compatible agent.

## About

# Fiscalite des Investissements (Particuliers France)

> **AVERTISSEMENT** : Ne constitue pas un conseil en investissement ou fiscal. Consultez un CGP ou expert-comptable.

## Quand Utiliser

- Choisir entre PEA, CTO, assurance-vie, PER
- Optimiser la fiscalite de ses investissements
- Declarer des plus-values, dividendes, interets
- Comprendre le PFU vs bareme progressif
- Declarer des revenus crypto

## Comparatif des Enveloppes

| Enveloppe | Fiscalite apres delai | Plafond | Sortie | Ideal pour |
|-----------|-----------------------|---------|--------|-----------|
| **PEA** | 17.2% PS apres 5 ans | 150 000 EUR | Libre apres 5 ans | Actions EU long terme |
| **CTO** | 30% PFU (ou bareme) | Illimite | Libre | Actions monde, options |
| **Assurance-vie** | 24.7% apres 8 ans ( 305 EUR/an |
| Calcul plus-value | Prix cession - (Prix total acquisition x Prix cession / Valeur totale portefeuille) |
| Methode | Prix moyen pondere d'acquisition (PMP) |
| Obligation declarative | Comptes sur plateformes etrangeres : formulaire 3916-bis |
| Staking/airdrops | Imposes comme BNC si habituels, sinon a la cession |

### Exemple Calcul Crypto
```
Portefeuille : 10 000 EUR investis, valeur actuelle 25 000 EUR
Cession de 5 000 EUR

Plus-value = 5 000 - (10 000 x 5 000 / 25 000)
Plus-value = 5 000 - 2 000 = 3 000 EUR
Impot PFU = 3 000 x 30% = 900 EUR
```

## Assurance-Vie (Detail)

| Duree | Versements  150K EUR |
|-------|----------------------|----------------------|
|  8 ans | 7.5% IR + 17.2% PS = **24.7%** | 12.8% IR + 17.2% PS = 30% |

Abattement annuel (apres 8 ans) : 4 600 EUR (celibataire) / 9 200 EUR (couple).

Succession : abattement de 152 500 EUR par beneficiaire (versements avant 70 ans).

## PER (Plan Epargne Retraite)

- Versements deductibles du revenu imposable (plafond : 10% des revenus N-1, min 4 399 EUR)
- A la sortie (retraite) : capital impose a l'IR, plus-values au PFU
- Deblocage anticipe : achat residence principale, accidents de la vie
- Interessant si TMI >= 30% a l'entree et TMI plus faible a la retraite

## Ce Que Ce Skill Ne Fait PAS

- Ne constitue pas un conseil en investissement
- Ne recommande pas de produits financiers specifiques
- Ne gere pas la fiscalite des non-residents
- Ne couvre pas l'IS (entreprises)
- Ne remplace pas un CGP ou expert-comptable

## Source & license

This open-source skill is cataloged on AgentStack and links to its original source — we do not rehost the code.

- **Author:** [BuilderCed](https://github.com/BuilderCed)
- **Source:** [BuilderCed/agent-skills](https://github.com/BuilderCed/agent-skills)
- **License:** MIT
- **Homepage:** https://skills.sh/BuilderCed/agent-skills

Install and usage instructions live in the source repository linked above.

## Pricing

- **Free** — Free

## Security capabilities

Automated source analysis of v0.1.0 — what this tool can access:

- **Network access:** no
- **Filesystem access:** no
- **Shell / process execution:** no
- **Environment & secrets:** no
- **Dynamic code execution:** no

*"Yes" means the capability is present in the source — more access means more to trust, not that it is unsafe.*


## Versions

- **0.1.0** — security scan: passed — Imported from the upstream source.

## Links

- Listing page: https://agentstack.voostack.com/l/skill-builderced-agent-skills-fr-fiscalite-investissement
- Seller: https://agentstack.voostack.com/s/builderced
- Browse the marketplace: https://agentstack.voostack.com/browse

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Listed on AgentStack — the marketplace for AI agent skills and MCP servers. Every listing is security-reviewed. Creators keep 70%.