The serenity asset of you retirement
The Retirement Savings Plan (PER) is a long-term savings product, designed to help you prepare for your retirement with peace of mind. Launched on October 1, 2019, it unifies and replaces previous retirement savings schemes, such as the PERP, The Madelin, The PERCO, as well as thearticle 83, thus offering a more flexible and advantageous solution to optimize your retirement capital.
The PER is a savings product designed to prepare for your retirement, which means that as a general rule, you cannot release the funds before your retirement. However, specific cases allow a early release, like buying your main residence, which gives you some flexibility when needed.
The amounts you pay into your PER are deductible from your taxable income, which allows you to immediately reduce your taxable base and thus benefit from a tax reduction on your contributions. It’s an effective way to reduce your taxes while calmly preparing for your retirement.
When you retire, you have the option of withdrawing your capital in the form of annuity or capital, according to your needs. This choice allows you to benefit from an additional source of income to ensure your financial comfort.
In case of death, the capital accumulated in your PER is paid directly to your beneficiaries, which you will have freely chosen. This option allows you to protect your loved ones and guarantee them financial support if necessary.
The PER has essential characteristics for retirement savings.
Favorable taxation
The Retirement Savings Plan (PER) is a long-term savings product that allows anyone, whether an individual, a self-employed person or even a company, to build up capital or additional income for retirement. This plan offers a flexible and advantageous solution to anticipate your retirement, with regular or one-off payments. The accumulated savings are available at the legal retirement age or when your pension is drawn, except in cases of early release provided for by law. Choose the PER and start securing your financial future today.
We answer all your questions about the Retirement Savings Plan (PER).
Whether you want to optimize your savings, reduce your taxes or prepare for your retirement, we offer you tailor-made solutions to help you maximize your returns and secure your financial future In France.
Retirement pensions are not always enough to guarantee a comfortable income in retirement. Opening a PER allows you to build up additional savings, which will grow throughout your career to offer you additional income once retired. In addition, you benefit from a tax advantage, because the payments made into your PER are deductible from your taxable income, thus reducing your current tax burden.
Yes, you can hold Several PER contracts without any restrictions. For example, it is possible to own two individual PERs. However, it is important to note that the tax ceiling will be common to all your PERs, which means that the tax deduction applies globally to all of your contracts.
There's no perfect time to start saving for retirement, but the earlier you start, the more you'll have room for maneuver To build capital. You can start at your own pace, choosing the flexibility of free savings or being guided by our experts to optimize your contributions.
Yes, even as a retiree you have the possibility to continue to feed votre PER and of deduct your payments within the limit of 10% of the Annual Social Security Ceiling (PASS) for year N-1. However, if the payments are made after retirement age, theTax Administration could consider this as a abuse of rights and challenge the tax deductibility. In addition, in the event of death after the age of 70, the value of the PER will be subject to taxation. inheritance tax, except for exempt beneficiaries, such as the spouse.
Il n’y a aucune limite d’âge ou de date pour souscrire à un PER. However, the main objective of a retirement savings plan is to build up a additional income for retirement. It is important to note that in the event of death after 70 years, the value of the PER will be subject to taxation of inheritance tax (after an overall reduction of 30 500 €, all contracts and beneficiaries combined, except for the spouse).
Discover the feedback from those who have chosen the Retirement Savings Plan to secure their financial future.
Thanks to the Retirement Savings Plan, I was able to plan for my retirement with peace of mind and take advantage of attractive tax benefits. The personalized support allowed me to make the best choices for my situation. I highly recommend it!
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