{"id":3824,"date":"2025-04-29T11:40:46","date_gmt":"2025-04-29T09:40:46","guid":{"rendered":"https:\/\/conseillerfinanciergeneve.ch\/?page_id=3824"},"modified":"2025-09-16T13:01:30","modified_gmt":"2025-09-16T11:01:30","slug":"per","status":"publish","type":"page","link":"https:\/\/conseillerfinanciergeneve.ch\/en\/per\/","title":{"rendered":"Service PER"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3824\" class=\"elementor elementor-3824\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37ec5c64 e-flex e-con-boxed e-con e-parent\" data-id=\"37ec5c64\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12a8aece animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"12a8aece\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Plan d'\u00c9pargne Retraite (PER)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46dcce8d animated-slow elementor-invisible elementor-widget elementor-widget-jkit_animated_text\" data-id=\"46dcce8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"jkit_animated_text.default\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-animated-text jeg_module___6a28b84e5400a\"  data-style=\"rotating\" data-text=\"retraite\" data-rotate=\"clip\" data-delay=\"2500\" data-clip-duration=\"2000\"><p class=\"animated-text\"><span class=\"normal-text style-color\">L\u2019atout s\u00e9r\u00e9nit\u00e9 de votre <\/span><span class=\"dynamic-wrapper style-color\"><span class=\"dynamic-text\">retraite<\/span><\/span><span class=\"normal-text style-color\"><\/span><\/p><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f8fee54 animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"5f8fee54\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le <strong data-start=\"108\" data-end=\"139\">Plan \u00c9pargne Retraite (PER)<\/strong> est un produit d\u2019\u00e9pargne de long terme, con\u00e7u pour vous aider \u00e0 pr\u00e9parer sereinement votre retraite. Lanc\u00e9 le 1er octobre 2019, il unifie et remplace les anciens dispositifs d\u2019\u00e9pargne retraite, tels que le <strong data-start=\"346\" data-end=\"354\">PERP<\/strong>, le <strong data-start=\"359\" data-end=\"370\">Madelin<\/strong>, le <strong data-start=\"375\" data-end=\"384\">PERCO<\/strong>, ainsi que l&rsquo;<strong data-start=\"398\" data-end=\"412\">article 83<\/strong>, offrant ainsi une solution plus flexible et avantageuse pour optimiser votre capital retraite.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-753694f1 e-flex e-con-boxed e-con e-child\" data-id=\"753694f1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b9c3d04 animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"6b9c3d04\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:700}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-grow\" href=\"https:\/\/conseillerfinanciergeneve.ch\/prendre-rendez-vous\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-arrow-up-right-line\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Planifier un rendez-vous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1bd3a7eb e-flex e-con-boxed e-con e-parent\" data-id=\"1bd3a7eb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f080203 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"5f080203\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Contrats PER<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-511b64d6 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"511b64d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Un alli\u00e9 pour votre retraite<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-21328d7 e-flex e-con-boxed e-con e-child\" data-id=\"21328d7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3fee9638 e-flex e-con-boxed e-con e-child\" data-id=\"3fee9638\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3a892115 animated-slow e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"3a892115\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:500}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-200c0f12 e-con-full e-flex e-con e-child\" data-id=\"200c0f12\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-74baced2 elementor-view-stacked elementor-shape-square elementor-widget elementor-widget-icon\" data-id=\"74baced2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"icon icon-stats-1\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-392ccfa6 e-flex e-con-boxed e-con e-child\" data-id=\"392ccfa6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b84f382 elementor-widget elementor-widget-heading\" data-id=\"4b84f382\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">D\u00e9blocage anticip\u00e9 sous conditions<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-290ac25e elementor-widget elementor-widget-text-editor\" data-id=\"290ac25e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le <strong data-start=\"638\" data-end=\"645\">PER<\/strong> est un produit d\u2019\u00e9pargne con\u00e7u pour pr\u00e9parer votre retraite, ce qui signifie qu\u2019en r\u00e8gle g\u00e9n\u00e9rale, vous ne pouvez pas d\u00e9bloquer les fonds avant votre d\u00e9part en retraite. Toutefois, des cas sp\u00e9cifiques permettent un <strong data-start=\"861\" data-end=\"883\">d\u00e9blocage anticip\u00e9<\/strong>, comme l\u2019achat de votre <strong data-start=\"908\" data-end=\"932\">r\u00e9sidence principale<\/strong>, ce qui vous offre une certaine flexibilit\u00e9 en cas de besoin.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-129295be e-flex e-con-boxed e-con e-child\" data-id=\"129295be\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2b1df532 animated-slow e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"2b1df532\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:700}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-12aa558f e-con-full e-flex e-con e-child\" data-id=\"12aa558f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52f38485 elementor-view-stacked elementor-shape-square elementor-widget elementor-widget-icon\" data-id=\"52f38485\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"jki jki-money-bag2-light\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-34a38f57 e-flex e-con-boxed e-con e-child\" data-id=\"34a38f57\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18922e4a elementor-widget elementor-widget-heading\" data-id=\"18922e4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">R\u00e9duction d\u2019imp\u00f4t sur vos versements<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53b58521 elementor-widget elementor-widget-text-editor\" data-id=\"53b58521\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Les sommes que vous versez sur votre <strong data-start=\"238\" data-end=\"245\">PER<\/strong> sont <strong data-start=\"251\" data-end=\"292\">d\u00e9ductibles de vos revenus imposables<\/strong>, ce qui vous permet de r\u00e9duire imm\u00e9diatement votre base imposable et ainsi de b\u00e9n\u00e9ficier d\u2019une <strong data-start=\"388\" data-end=\"409\">r\u00e9duction d\u2019imp\u00f4t<\/strong> sur vos cotisations. C\u2019est un moyen efficace d\u2019all\u00e9ger votre fiscalit\u00e9 tout en pr\u00e9parant sereinement votre retraite.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-63583212 e-flex e-con-boxed e-con e-child\" data-id=\"63583212\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-10bffde e-flex e-con-boxed e-con e-child\" data-id=\"10bffde\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-215ef172 animated-slow e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"215ef172\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:1000}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-66afcbe e-con-full e-flex e-con e-child\" data-id=\"66afcbe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1aeb9d35 elementor-view-stacked elementor-shape-square elementor-widget elementor-widget-icon\" data-id=\"1aeb9d35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"icon icon-save-money\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-145fb5ba e-flex e-con-boxed e-con e-child\" data-id=\"145fb5ba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1eda7a66 elementor-widget elementor-widget-heading\" data-id=\"1eda7a66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Transparence et confiance<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d5405f1 elementor-widget elementor-widget-text-editor\" data-id=\"3d5405f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u00c0 votre d\u00e9part \u00e0 la retraite, vous avez la possibilit\u00e9 de sortir votre capital sous forme de <strong data-start=\"1520\" data-end=\"1529\">rente<\/strong> ou de <strong data-start=\"1536\" data-end=\"1547\">capital<\/strong>, selon vos besoins. Ce choix vous permet de profiter d\u2019une source de revenus compl\u00e9mentaire pour assurer votre confort financier.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-241acc1e e-flex e-con-boxed e-con e-child\" data-id=\"241acc1e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3389726b animated-slow e-flex e-con-boxed elementor-invisible e-con e-child\" data-id=\"3389726b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:1100}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1656b2c3 e-con-full e-flex e-con e-child\" data-id=\"1656b2c3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13e11264 elementor-view-stacked elementor-shape-square elementor-widget elementor-widget-icon\" data-id=\"13e11264\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<i aria-hidden=\"true\" class=\"jki jki-consut2-light\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e323ee0 e-flex e-con-boxed e-con e-child\" data-id=\"1e323ee0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c9ae09b elementor-widget elementor-widget-heading\" data-id=\"7c9ae09b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">S\u00e9curisez vos proches en cas de d\u00e9c\u00e8s<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f22fcc9 elementor-widget elementor-widget-text-editor\" data-id=\"f22fcc9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>En cas de <strong data-start=\"1105\" data-end=\"1114\">d\u00e9c\u00e8s<\/strong>, le capital accumul\u00e9 dans votre <strong data-start=\"1147\" data-end=\"1154\">PER<\/strong> est vers\u00e9 directement \u00e0 vos <strong data-start=\"1183\" data-end=\"1200\">b\u00e9n\u00e9ficiaires<\/strong>, que vous aurez choisis librement. Cette option permet de prot\u00e9ger vos proches et de leur garantir un soutien financier en cas de besoin.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f74163e e-flex e-con-boxed e-con e-parent\" data-id=\"f74163e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dde88fa elementor-align-center elementor-widget elementor-widget-button\" data-id=\"dde88fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-grow\" href=\"https:\/\/conseillerfinanciergeneve.ch\/prendre-rendez-vous\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Prenez rendez-vous pour votre PER<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4dcd8a8b e-flex e-con-boxed e-con e-parent\" data-id=\"4dcd8a8b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-441608fc e-flex e-con-boxed e-con e-child\" data-id=\"441608fc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70a3ce45 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"70a3ce45\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Chiffres cl\u00e9s du PER<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f3cc3b1 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"5f3cc3b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Principaux \u00e9l\u00e9ments du PER<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4696b9a8 elementor-widget elementor-widget-text-editor\" data-id=\"4696b9a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Le PER pr\u00e9sente des caract\u00e9ristiques essentielles pour l\u2019\u00e9pargne retraite.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3fc5a14c e-grid e-con-full e-con e-child\" data-id=\"3fc5a14c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1a95531b e-con-full e-flex e-con e-child\" data-id=\"1a95531b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31a83246 elementor-widget elementor-widget-counter\" data-id=\"31a83246\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Versements d\u00e9ductibles<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"25\" data-from-value=\"20\" data-delimiter=\",\">20<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">%<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3c6f0e75 e-con-full e-flex e-con e-child\" data-id=\"3c6f0e75\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-72a79124 elementor-widget elementor-widget-counter\" data-id=\"72a79124\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Capital transmis aux b\u00e9n\u00e9ficiaires<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"> <\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"100\" data-from-value=\"90\" data-delimiter=\",\">90<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">%<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5def8437 e-con-full e-flex e-con e-child\" data-id=\"5def8437\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2376d270 elementor-widget elementor-widget-counter\" data-id=\"2376d270\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">Plafond des versements d\u00e9ductibles<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"12000\" data-from-value=\"11000\" data-delimiter=\",\">11000<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">\u20ac<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5af971d5 e-con-full e-flex e-con e-child\" data-id=\"5af971d5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-47fa4f7b elementor-widget elementor-widget-counter\" data-id=\"47fa4f7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<p class=\"elementor-counter-title\">Fiscalit\u00e9 avantageuse<\/p>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\">+<\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"8\" data-from-value=\"3\" data-delimiter=\".\">3<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">Ans<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1166106f e-flex e-con-boxed e-con e-parent\" data-id=\"1166106f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-332527ab e-flex e-con-boxed e-con e-child\" data-id=\"332527ab\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-10b0d04f e-flex e-con-boxed e-con e-child\" data-id=\"10b0d04f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7fec1de4 elementor-widget elementor-widget-image\" data-id=\"7fec1de4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/conseillerfinanciergeneve.ch\/wp-content\/uploads\/2025\/04\/senior-woman-at-the-office-2025-03-17-13-50-04-utc-1024x683.webp\" class=\"attachment-large size-large wp-image-3831\" alt=\"\" srcset=\"https:\/\/conseillerfinanciergeneve.ch\/wp-content\/uploads\/2025\/04\/senior-woman-at-the-office-2025-03-17-13-50-04-utc-1024x683.webp 1024w, https:\/\/conseillerfinanciergeneve.ch\/wp-content\/uploads\/2025\/04\/senior-woman-at-the-office-2025-03-17-13-50-04-utc-300x200.webp 300w, https:\/\/conseillerfinanciergeneve.ch\/wp-content\/uploads\/2025\/04\/senior-woman-at-the-office-2025-03-17-13-50-04-utc-768x513.webp 768w, https:\/\/conseillerfinanciergeneve.ch\/wp-content\/uploads\/2025\/04\/senior-woman-at-the-office-2025-03-17-13-50-04-utc-1536x1025.webp 1536w, https:\/\/conseillerfinanciergeneve.ch\/wp-content\/uploads\/2025\/04\/senior-woman-at-the-office-2025-03-17-13-50-04-utc-2048x1367.webp 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f9654af e-flex e-con-boxed e-con e-child\" data-id=\"7f9654af\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d42f49e animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"1d42f49e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PER : Pr\u00e9parez votre retraite<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57d7cc19 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"57d7cc19\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">D\u00e9finition<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-421ee46d animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"421ee46d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-id=\"f0d38da1-9dfe-46bf-824b-3e5c57e657a3\" data-pm-slice=\"1 1 []\">Le <strong data-start=\"168\" data-end=\"199\">Plan \u00c9pargne Retraite (PER)<\/strong> est un produit d\u2019\u00e9pargne \u00e0 long terme qui permet \u00e0 toute personne, qu\u2019il s\u2019agisse d\u2019un particulier, d&rsquo;un travailleur ind\u00e9pendant ou m\u00eame d&rsquo;une entreprise, de se constituer un capital ou des revenus compl\u00e9mentaires pour la retraite. Ce plan offre une solution flexible et avantageuse pour anticiper votre retraite, avec des versements r\u00e9guliers ou ponctuels. L&rsquo;\u00e9pargne accumul\u00e9e est disponible \u00e0 l\u2019\u00e2ge l\u00e9gal de la retraite ou lors de la liquidation de votre pension, sauf dans les cas de <strong data-start=\"687\" data-end=\"709\">d\u00e9blocage anticip\u00e9<\/strong> pr\u00e9vus par la loi. Optez pour le PER et commencez d\u00e8s aujourd&rsquo;hui \u00e0 s\u00e9curiser votre avenir financier.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1bffc27 e-flex e-con-boxed e-con e-child\" data-id=\"1bffc27\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5601daf7 animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"5601daf7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:700}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-grow\" href=\"https:\/\/conseillerfinanciergeneve.ch\/prendre-rendez-vous\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-arrow-up-right-line\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">prendre un rendez-vous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-58924237 e-flex e-con-boxed e-con e-parent\" data-id=\"58924237\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;curve&quot;,&quot;shape_divider_bottom&quot;:&quot;curve&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n    <path class=\"elementor-shape-fill\" d=\"M1000,4.3V0H0v4.3C0.9,23.1,126.7,99.2,500,100S1000,22.7,1000,4.3z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n    <path class=\"elementor-shape-fill\" d=\"M1000,4.3V0H0v4.3C0.9,23.1,126.7,99.2,500,100S1000,22.7,1000,4.3z\"\/>\n<\/svg>\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-746e1657 e-flex e-con-boxed e-con e-child\" data-id=\"746e1657\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1090baaf e-con-full e-flex e-con e-child\" data-id=\"1090baaf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5d59c0cd jkit-sticky-element--enabled e-flex e-con-boxed jkit-sticky-element-on--down jkit-sticky-position--sticky e-con e-child\" data-id=\"5d59c0cd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jkit_sticky_device&quot;:[&quot;desktop&quot;,&quot;tablet&quot;],&quot;jkit_sticky_top_position&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:80,&quot;sizes&quot;:[]}}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56707c1 elementor-widget elementor-widget-heading\" data-id=\"56707c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3688caab elementor-widget elementor-widget-heading\" data-id=\"3688caab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions \/\nR\u00e9ponses<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67cbb9e4 elementor-widget elementor-widget-text-editor\" data-id=\"67cbb9e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong data-start=\"71\" data-end=\"156\">Nous r\u00e9pondons \u00e0 toutes vos questions concernant le Plan \u00c9pargne Retraite (PER).<\/strong><br data-start=\"156\" data-end=\"159\" \/>Que vous souhaitiez optimiser votre \u00e9pargne, r\u00e9duire votre fiscalit\u00e9 ou pr\u00e9parer votre retraite, nous vous proposons des <strong data-start=\"280\" data-end=\"304\">solutions sur mesure<\/strong> pour vous aider \u00e0 <strong data-start=\"323\" data-end=\"351\">maximiser vos rendements<\/strong> et <strong data-start=\"355\" data-end=\"390\" data-is-only-node=\"\">garantir votre avenir financier <\/strong>en France.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4492d605 animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"4492d605\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:700}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-grow\" href=\"https:\/\/conseillerfinanciergeneve.ch\/prendre-rendez-vous\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-arrow-up-right-line\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Organisez un rendez-vous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-39870b90 e-flex e-con-boxed e-con e-child\" data-id=\"39870b90\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4053c2ea elementor-widget elementor-widget-elementskit-accordion\" data-id=\"4053c2ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6a289e655ba0b\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-4053c2ea\">\n                        <a href=\"#collapse-9bf41916a289e655ba0b\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-9bf41916a289e655ba0b\" aria-expanded=\"true\" aria-controls=\"Collapse-9bf41916a289e655ba0b\">\n                                                            <div class=\"ekit_accordion_icon_left_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i class=\"jki jki-plus-solid\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"jki jki-minus-solid\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                            <span class=\"ekit-accordion-title\">Quel est l\u2019int\u00e9r\u00eat d\u2019ouvrir un PER ?<\/span>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-9bf41916a289e655ba0b\" class=\" show collapse\" aria-labelledby=\"primaryHeading-0-4053c2ea\" data-parent=\"#accordion-6a289e655ba0b\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Les pensions de retraite ne suffisent pas toujours \u00e0 garantir un revenu confortable \u00e0 la retraite. Ouvrir un <strong>PER<\/strong> vous permet de constituer une \u00e9pargne compl\u00e9mentaire, qui fructifiera tout au long de votre carri\u00e8re pour vous offrir des <strong>revenus suppl\u00e9mentaires<\/strong> une fois retrait\u00e9. De plus, vous b\u00e9n\u00e9ficiez d\u2019un <strong>avantage fiscal<\/strong>, car les versements effectu\u00e9s sur votre PER sont <strong>d\u00e9ductibles de vos revenus imposables<\/strong>, r\u00e9duisant ainsi votre fiscalit\u00e9 actuelle.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-4053c2ea\">\n                        <a href=\"#collapse-fc043726a289e655ba0b\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-fc043726a289e655ba0b\" aria-expanded=\"false\" aria-controls=\"Collapse-fc043726a289e655ba0b\">\n                                                            <div class=\"ekit_accordion_icon_left_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i class=\"jki jki-plus-solid\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"jki jki-minus-solid\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                            <span class=\"ekit-accordion-title\">Est-il possible d\u2019avoir plusieurs contrats PER ?<\/span>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-fc043726a289e655ba0b\" class=\" collapse\" aria-labelledby=\"primaryHeading-1-4053c2ea\" data-parent=\"#accordion-6a289e655ba0b\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Oui, vous pouvez d\u00e9tenir <strong>plusieurs contrats PER<\/strong> sans aucune restriction. Par exemple, il est possible de poss\u00e9der <strong>deux PER individuels<\/strong>. Cependant, il est important de noter que le <strong>plafond fiscal<\/strong> sera commun \u00e0 tous vos PER, ce qui signifie que la d\u00e9duction fiscale s'applique globalement \u00e0 l\u2019ensemble de vos contrats.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-4053c2ea\">\n                        <a href=\"#collapse-879015c6a289e655ba0b\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-879015c6a289e655ba0b\" aria-expanded=\"false\" aria-controls=\"Collapse-879015c6a289e655ba0b\">\n                                                            <div class=\"ekit_accordion_icon_left_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i class=\"jki jki-plus-solid\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"jki jki-minus-solid\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                            <span class=\"ekit-accordion-title\">Quand commencer \u00e0 \u00e9pargner pour ma retraite ?<\/span>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-879015c6a289e655ba0b\" class=\" collapse\" aria-labelledby=\"primaryHeading-2-4053c2ea\" data-parent=\"#accordion-6a289e655ba0b\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Il n\u2019y a pas de moment id\u00e9al pour commencer \u00e0 \u00e9pargner pour votre retraite, mais plus vous commencez t\u00f4t, plus vous aurez de <strong>marge de man\u0153uvre<\/strong> pour constituer un capital. Vous pouvez commencer \u00e0 votre rythme, en choisissant la flexibilit\u00e9 d\u2019une \u00e9pargne libre ou en vous faisant accompagner par nos experts pour optimiser vos versements.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-4053c2ea\">\n                        <a href=\"#collapse-ce57fc56a289e655ba0b\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-ce57fc56a289e655ba0b\" aria-expanded=\"false\" aria-controls=\"Collapse-ce57fc56a289e655ba0b\">\n                                                            <div class=\"ekit_accordion_icon_left_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i class=\"jki jki-plus-solid\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"jki jki-minus-solid\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                            <span class=\"ekit-accordion-title\">Puis-je continuer \u00e0 alimenter mon PER une fois \u00e0 la retraite ?<\/span>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-ce57fc56a289e655ba0b\" class=\" collapse\" aria-labelledby=\"primaryHeading-3-4053c2ea\" data-parent=\"#accordion-6a289e655ba0b\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Oui, m\u00eame en tant que retrait\u00e9, vous avez la possibilit\u00e9 de <strong>continuer \u00e0 alimenter<\/strong> votre <strong>PER<\/strong> et de <strong>d\u00e9duire vos versements<\/strong> dans la limite de <strong>10% du Plafond Annuel de la S\u00e9curit\u00e9 Sociale (PASS)<\/strong> pour l'ann\u00e9e N-1. Cependant, si les versements sont effectu\u00e9s apr\u00e8s l'\u00e2ge de la retraite, l\u2019<strong>Administration Fiscale<\/strong> pourrait consid\u00e9rer cela comme un <strong>abus de droit<\/strong> et remettre en cause la <strong>d\u00e9ductibilit\u00e9 fiscale<\/strong>. De plus, en cas de d\u00e9c\u00e8s apr\u00e8s 70 ans, la valeur du PER sera soumise \u00e0 la fiscalit\u00e9 des <strong>droits de succession<\/strong>, sauf pour les b\u00e9n\u00e9ficiaires exon\u00e9r\u00e9s, comme le conjoint.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-4053c2ea\">\n                        <a href=\"#collapse-54aa7456a289e655ba0b\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-54aa7456a289e655ba0b\" aria-expanded=\"false\" aria-controls=\"Collapse-54aa7456a289e655ba0b\">\n                                                            <div class=\"ekit_accordion_icon_left_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n                                        <i class=\"jki jki-plus-solid\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"jki jki-minus-solid\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                            <span class=\"ekit-accordion-title\">Puis-je souscrire \u00e0 un PER apr\u00e8s la retraite ?<\/span>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-54aa7456a289e655ba0b\" class=\" collapse\" aria-labelledby=\"primaryHeading-4-4053c2ea\" data-parent=\"#accordion-6a289e655ba0b\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Il n\u2019y a aucune limite d\u2019\u00e2ge ou de date pour souscrire \u00e0 un <strong>PER<\/strong>. Toutefois, l'objectif principal d\u2019un plan d\u2019\u00e9pargne retraite est de se constituer un <strong>revenu compl\u00e9mentaire<\/strong> pour la retraite. Il est important de noter qu\u2019en cas de <strong>d\u00e9c\u00e8s apr\u00e8s 70 ans<\/strong>, la valeur du PER sera soumise \u00e0 la fiscalit\u00e9 des <strong>droits de succession<\/strong> (apr\u00e8s un abattement global de <strong>30 500 \u20ac<\/strong>, tous contrats et b\u00e9n\u00e9ficiaires confondus, sauf pour le conjoint).<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7dad16d3 e-flex e-con-boxed e-con e-parent\" data-id=\"7dad16d3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5f7c5856 e-flex e-con-boxed e-con e-child\" data-id=\"5f7c5856\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1f12675a e-flex e-con-boxed e-con e-child\" data-id=\"1f12675a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-77d4f4d8 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"77d4f4d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">T\u00e9moignages<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a88a7e5 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"5a88a7e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ce que disent nos clients<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2de5c14d animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"2de5c14d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:700}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>D\u00e9couvrez les retours de ceux qui ont choisi le Plan \u00c9pargne Retraite pour s\u00e9curiser leur avenir financier.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33a96594 elementor-widget__width-initial elementor-widget elementor-widget-elementskit-testimonial\" data-id=\"33a96594\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-testimonial.default\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" ><div class=\"elementskit-testimonial-slider ekit_testimonial_style_5 arrow_inside \" data-config=\"{&quot;rtl&quot;:false,&quot;arrows&quot;:false,&quot;dots&quot;:false,&quot;pauseOnHover&quot;:true,&quot;autoplay&quot;:true,&quot;speed&quot;:1000,&quot;slidesPerGroup&quot;:1,&quot;slidesPerView&quot;:3,&quot;loop&quot;:false,&quot;spaceBetween&quot;:15,&quot;breakpoints&quot;:{&quot;320&quot;:{&quot;slidesPerView&quot;:1,&quot;slidesPerGroup&quot;:1,&quot;spaceBetween&quot;:10},&quot;768&quot;:{&quot;slidesPerView&quot;:1,&quot;slidesPerGroup&quot;:1,&quot;spaceBetween&quot;:10},&quot;1024&quot;:{&quot;slidesPerView&quot;:3,&quot;slidesPerGroup&quot;:1,&quot;spaceBetween&quot;:15}}}\">\n\t<div class=\"ekit-main-swiper swiper\">\n\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t<div class=\"swiper-slide-inner\">\n\t\t\t\t\t\t<div class=\"elementskit-single-testimonial-slider elementskit-testimonial-slider-block-style elementskit-testimonial-slider-block-style-two   elementor-repeater-item-e4d14ff\" >\n\t\t\t\t\t\t\t<div class=\"elementskit-commentor-header\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<ul class=\"elementskit-stars\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><path d=\"M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z\" \/><\/svg><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><path d=\"M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z\" \/><\/svg><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><path d=\"M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z\" \/><\/svg><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><path d=\"M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z\" \/><\/svg><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><path d=\"M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z\" \/><\/svg><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-icon-content elementskit-watermark-icon \">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-quote2\"><\/i>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-commentor-content\"><p>Gr\u00e2ce au Plan \u00c9pargne Retraite, j'ai pu anticiper ma retraite sereinement et profiter d'avantages fiscaux int\u00e9ressants. L'accompagnement personnalis\u00e9 m'a permis de faire les meilleurs choix pour ma situation. Je recommande vivement !<\/p><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"elementskit-commentor-bio\">\n\t\t\t\t\t\t\t\t<div class=\"elementkit-commentor-details \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-commentor-image ekit-testimonial--avatar\">\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"70\" height=\"70\" src=\"https:\/\/conseillerfinanciergeneve.ch\/wp-content\/uploads\/2025\/04\/Design-sans-titre-22.webp\" class=\"attachment-full size-full\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-profile-info\">\n\t\t\t\t\t\t\t\t\t\t<strong class=\"elementskit-author-name\">Marc Dret<\/strong>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementskit-author-des\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t<div class=\"swiper-slide-inner\">\n\t\t\t\t\t\t<div class=\"elementskit-single-testimonial-slider elementskit-testimonial-slider-block-style elementskit-testimonial-slider-block-style-two   elementor-repeater-item-bcefb5c\" >\n\t\t\t\t\t\t\t<div class=\"elementskit-commentor-header\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<ul class=\"elementskit-stars\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><path d=\"M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z\" \/><\/svg><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><path d=\"M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z\" \/><\/svg><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><path d=\"M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z\" \/><\/svg><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><path d=\"M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z\" \/><\/svg><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><path d=\"M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z\" \/><\/svg><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-icon-content elementskit-watermark-icon \">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-quote2\"><\/i>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-commentor-content\"><p>Le PER m'a permis de r\u00e9duire mes imp\u00f4ts tout en constituant un capital pour ma retraite. L'\u00e9quipe de conseillers a \u00e9t\u00e9 tr\u00e8s professionnelle et a su m'expliquer les options disponibles. Un excellent service !<\/p><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"elementskit-commentor-bio\">\n\t\t\t\t\t\t\t\t<div class=\"elementkit-commentor-details \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-commentor-image ekit-testimonial--avatar\">\n\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"70\" height=\"70\" src=\"https:\/\/conseillerfinanciergeneve.ch\/wp-content\/uploads\/2025\/04\/Design-sans-titre-25.webp\" class=\"attachment-full size-full\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-profile-info\">\n\t\t\t\t\t\t\t\t\t\t<strong class=\"elementskit-author-name\">Sophie Lotisier<\/strong>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementskit-author-des\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t<div class=\"swiper-slide-inner\">\n\t\t\t\t\t\t<div class=\"elementskit-single-testimonial-slider elementskit-testimonial-slider-block-style elementskit-testimonial-slider-block-style-two   elementor-repeater-item-8c1e65a\" >\n\t\t\t\t\t\t\t<div class=\"elementskit-commentor-header\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<ul class=\"elementskit-stars\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><path d=\"M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z\" \/><\/svg><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><path d=\"M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z\" \/><\/svg><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><path d=\"M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z\" \/><\/svg><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><path d=\"M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z\" \/><\/svg><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><path d=\"M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z\" \/><\/svg><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-icon-content elementskit-watermark-icon \">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-quote2\"><\/i>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-commentor-content\"><p>Je suis ravi d'avoir ouvert un PER pour s\u00e9curiser mon avenir. Les conseils \u00e9taient clairs, et j'ai bien compris comment ce produit d'\u00e9pargne pouvait m'aider \u00e0 mieux pr\u00e9parer ma retraite. Tr\u00e8s satisfait !<\/p><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"elementskit-commentor-bio\">\n\t\t\t\t\t\t\t\t<div class=\"elementkit-commentor-details \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-commentor-image ekit-testimonial--avatar\">\n\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"70\" height=\"70\" src=\"https:\/\/conseillerfinanciergeneve.ch\/wp-content\/uploads\/2025\/04\/Design-sans-titre-23.webp\" class=\"attachment-full size-full\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-profile-info\">\n\t\t\t\t\t\t\t\t\t\t<strong class=\"elementskit-author-name\">Jean-Michel Rini<\/strong>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementskit-author-des\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t<div class=\"swiper-slide-inner\">\n\t\t\t\t\t\t<div class=\"elementskit-single-testimonial-slider elementskit-testimonial-slider-block-style elementskit-testimonial-slider-block-style-two   elementor-repeater-item-2e67737\" >\n\t\t\t\t\t\t\t<div class=\"elementskit-commentor-header\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<ul class=\"elementskit-stars\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><path d=\"M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z\" \/><\/svg><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><path d=\"M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z\" \/><\/svg><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><path d=\"M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z\" \/><\/svg><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><path d=\"M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z\" \/><\/svg><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 576 512\"><path d=\"M316.9 18C311.6 7 300.4 0 288.1 0s-23.4 7-28.8 18L195 150.3 51.4 171.5c-12 1.8-22 10.2-25.7 21.7s-.7 24.2 7.9 32.7L137.8 329 113.2 474.7c-2 12 3 24.2 12.9 31.3s23 8 33.8 2.3l128.3-68.5 128.3 68.5c10.8 5.7 23.9 4.9 33.8-2.3s14.9-19.3 12.9-31.3L438.5 329 542.7 225.9c8.6-8.5 11.7-21.2 7.9-32.7s-13.7-19.9-25.7-21.7L381.2 150.3 316.9 18z\" \/><\/svg><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-icon-content elementskit-watermark-icon \">\n\t\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-quote2\"><\/i>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-commentor-content\"><p>L'\u00e9quipe a su r\u00e9pondre \u00e0 toutes mes questions et m'a guid\u00e9 dans la cr\u00e9ation de mon PER. J'appr\u00e9cie la flexibilit\u00e9 du produit et le suivi r\u00e9gulier. Je suis confiant pour ma retraite gr\u00e2ce \u00e0 eux.<\/p><\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<div class=\"elementskit-commentor-bio\">\n\t\t\t\t\t\t\t\t<div class=\"elementkit-commentor-details \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-commentor-image ekit-testimonial--avatar\">\n\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"70\" height=\"70\" src=\"https:\/\/conseillerfinanciergeneve.ch\/wp-content\/uploads\/2025\/04\/Design-sans-titre-24.webp\" class=\"attachment-full size-full\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementskit-profile-info\">\n\t\t\t\t\t\t\t\t\t\t<strong class=\"elementskit-author-name\">Lucie Mairibeau<\/strong>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementskit-author-des\"><\/span>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\n\t\t\t<\/div>\n<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-24d1160d e-flex e-con-boxed e-con e-parent\" data-id=\"24d1160d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-354fae16 e-flex e-con-boxed e-con e-child\" data-id=\"354fae16\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-864d6a1 e-con-full e-flex e-con e-child\" data-id=\"864d6a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4f90b748 e-flex e-con-boxed e-con e-child\" data-id=\"4f90b748\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-430c7e0e e-flex e-con-boxed e-con e-child\" data-id=\"430c7e0e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78bb92ec elementor-widget elementor-widget-google_maps\" data-id=\"78bb92ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"google_maps.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-custom-embed\">\n\t\t\t<iframe loading=\"lazy\"\n\t\t\t\t\tsrc=\"https:\/\/maps.google.com\/maps?q=Rue%20Kl%C3%A9berg%2014%2C%201201%20Geneva&#038;t=m&#038;z=10&#038;output=embed&#038;iwloc=near\"\n\t\t\t\t\ttitle=\"Rue Kl\u00e9berg 14, 1201 Geneva\"\n\t\t\t\t\taria-label=\"Rue Kl\u00e9berg 14, 1201 Geneva\"\n\t\t\t><\/iframe>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e240f63 e-flex e-con-boxed e-con e-child\" data-id=\"4e240f63\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e101c38 elementor-widget elementor-widget-heading\" data-id=\"3e101c38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Contactez<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c18d15 elementor-widget elementor-widget-heading\" data-id=\"8c18d15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Prenez le Contr\u00f4le de Votre Avenir Financier<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43e29f34 elementor-widget elementor-widget-text-editor\" data-id=\"43e29f34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"uagb-ifb-desc\">Contactez-nous d\u00e8s aujourd&rsquo;hui pour des conseils financiers personnalis\u00e9s et professionnels.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7972153b e-con-full e-flex e-con e-child\" data-id=\"7972153b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e1e173 animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"4e1e173\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:700}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-grow\" href=\"https:\/\/conseillerfinanciergeneve.ch\/prendre-rendez-vous\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"jki jki-arrow-up-right-line\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Planifier un rendez-vous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Plan d&rsquo;\u00c9pargne Retraite (PER) L\u2019atout s\u00e9r\u00e9nit\u00e9 de votre retraite Le Plan \u00c9pargne Retraite (PER) est un produit d\u2019\u00e9pargne de long terme, con\u00e7u pour vous aider \u00e0 pr\u00e9parer sereinement votre retraite. Lanc\u00e9 le 1er octobre 2019, il unifie et remplace les anciens dispositifs d\u2019\u00e9pargne retraite, tels que le PERP, le Madelin, le PERCO, ainsi que l&rsquo;article [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":2145,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-3824","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Plan \u00e9pargne retraite (PER) : pr\u00e9parez et optimisez votre retraite<\/title>\n<meta name=\"description\" content=\"Optimisez votre retraite et r\u00e9duisez vos imp\u00f4ts avec le plan \u00e9pargne retraite (PER). 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D\u00e9couvrez nos solutions adapt\u00e9es et personnalis\u00e9es.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/conseillerfinanciergeneve.ch\/en\/per\/\" \/>\n<meta property=\"og:site_name\" content=\"Conseiller financier Gen&egrave;ve\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-16T11:01:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/conseillerfinanciergeneve.ch\/wp-content\/uploads\/2024\/11\/cropped-conseiller-financier-2-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"512\" \/>\n\t<meta property=\"og:image:height\" content=\"512\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/conseillerfinanciergeneve.ch\\\/per\\\/\",\"url\":\"https:\\\/\\\/conseillerfinanciergeneve.ch\\\/per\\\/\",\"name\":\"Plan \u00e9pargne retraite (PER) : pr\u00e9parez et optimisez votre retraite\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/conseillerfinanciergeneve.ch\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/conseillerfinanciergeneve.ch\\\/per\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/conseillerfinanciergeneve.ch\\\/per\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/conseillerfinanciergeneve.ch\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/cropped-conseiller-financier-2-1.png\",\"datePublished\":\"2025-04-29T09:40:46+00:00\",\"dateModified\":\"2025-09-16T11:01:30+00:00\",\"description\":\"Optimisez votre retraite et r\u00e9duisez vos imp\u00f4ts avec le plan \u00e9pargne retraite (PER). 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