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Matthieu Remy

Matthieu Remy

18 Sep 2019
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What are the disadvantages of an FSP?

It is not possible to withdraw the capital invested in a FSP before retirement age: your money is therefore blocked for the long term. With one exception: you may withdraw part of your invested capital to finance a real estate project. Besides, an FSP can only be invested in Class 21 products with a guaranteed return and offering currently very low returns. It is not allowed to invest in Class 23 products offering potentially much higher returns. Finally, it is highly taxed at retirement (around 22% of accumulated capital).

Last updated on 18/09/2019

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