{"id":171,"date":"2024-01-05T10:07:20","date_gmt":"2024-01-05T09:07:20","guid":{"rendered":"http:\/\/nmbcpmj.cluster029.hosting.ovh.net\/?page_id=171"},"modified":"2025-08-28T12:23:20","modified_gmt":"2025-08-28T10:23:20","slug":"epargne-retraite-complementaire-per","status":"publish","type":"page","link":"https:\/\/courtiassur.fr\/index.php\/accueil\/les-produits-dassurances\/epargne-retraite-complementaire-per\/","title":{"rendered":"\u00c9pargne retraite compl\u00e9mentaire (PER)"},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"683\" height=\"1024\" src=\"http:\/\/nmbcpmj.cluster029.hosting.ovh.net\/wp-content\/uploads\/2024\/01\/PHOTO-PER-1-683x1024.jpg\" alt=\"\" class=\"wp-image-191\" style=\"width:360px;height:auto\" srcset=\"https:\/\/courtiassur.fr\/wp-content\/uploads\/2024\/01\/PHOTO-PER-1-683x1024.jpg 683w, https:\/\/courtiassur.fr\/wp-content\/uploads\/2024\/01\/PHOTO-PER-1-200x300.jpg 200w, https:\/\/courtiassur.fr\/wp-content\/uploads\/2024\/01\/PHOTO-PER-1-768x1152.jpg 768w, https:\/\/courtiassur.fr\/wp-content\/uploads\/2024\/01\/PHOTO-PER-1-1024x1536.jpg 1024w, https:\/\/courtiassur.fr\/wp-content\/uploads\/2024\/01\/PHOTO-PER-1-1365x2048.jpg 1365w, https:\/\/courtiassur.fr\/wp-content\/uploads\/2024\/01\/PHOTO-PER-1-scaled.jpg 1707w\" sizes=\"auto, (max-width: 683px) 100vw, 683px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u2019est-ce que le PER ?<\/strong><\/h2>\n\n\n\n<p>Qu\u2019est-ce que le PER ? Le\u00a0<strong>Plan d\u2019\u00c9pargne Retraite (PER)<\/strong>\u00a0est un produit d\u2019\u00e9pargne \u00e0 long terme, cr\u00e9\u00e9 par <a href=\"https:\/\/courtiassur.fr\/index.php\/loi-pacte\/\" data-type=\"page\" data-id=\"710\">la\u00a0<strong>loi Pacte<\/strong><\/a>\u00a0en 2019, qui remplace progressivement les anciens dispositifs comme le\u00a0<strong>PERP<\/strong>, le\u00a0<strong>Madelin<\/strong>, le\u00a0<strong>Perco<\/strong>\u00a0ou le\u00a0<strong>contrat article 83<\/strong>.<br>Son objectif : permettre \u00e0 chacun de\u00a0<strong>constituer une \u00e9pargne pendant sa vie active<\/strong>, pour la transformer en\u00a0<strong>rente ou capital<\/strong>\u00a0au moment de la retraite, tout en b\u00e9n\u00e9ficiant d\u2019une\u00a0<strong>fiscalit\u00e9 avantageuse<\/strong>.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Les 3 types de PER<\/strong><\/h2>\n\n\n\n<h4 class=\"wp-block-heading\">PER Individuel<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ouvert \u00e0 tous : salari\u00e9s, ind\u00e9pendants, demandeurs d\u2019emploi<\/li>\n\n\n\n<li>Versements volontaires d\u00e9ductibles du revenu imposable<\/li>\n\n\n\n<li>Sortie possible en&nbsp;<strong>rente<\/strong>,&nbsp;<strong>capital<\/strong>, ou&nbsp;<strong>mixte<\/strong><\/li>\n\n\n\n<li>D\u00e9blocage anticip\u00e9 possible pour l\u2019achat de la r\u00e9sidence principale ou en cas d\u2019accident de la vie<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">PER Collectif (PERcol)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mis en place par l\u2019entreprise pour tous les salari\u00e9s<\/li>\n\n\n\n<li>Aliment\u00e9 par l\u2019int\u00e9ressement, la participation, les jours de repos non pris, etc.<\/li>\n\n\n\n<li>Sortie en capital ou rente selon les versements<\/li>\n\n\n\n<li>Frais de gestion souvent pris en charge par l\u2019employeur<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">PER Obligatoire (PERob)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>R\u00e9serv\u00e9 \u00e0 certaines cat\u00e9gories de salari\u00e9s<\/li>\n\n\n\n<li>Versements obligatoires (part patronale et salariale)<\/li>\n\n\n\n<li>Sortie uniquement en&nbsp;<strong>rente viag\u00e8re<\/strong><\/li>\n\n\n\n<li>D\u00e9blocage anticip\u00e9 limit\u00e9 \u00e0 des cas exceptionnels<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Quels avantages fiscaux ?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>D\u00e9duction des versements volontaires<\/strong>&nbsp;du revenu imposable (jusqu\u2019\u00e0 45 % d\u2019\u00e9conomie d\u2019imp\u00f4t selon le taux marginal d\u2019imposition)<\/li>\n\n\n\n<li><strong>Fiscalit\u00e9 avantageuse \u00e0 la sortie<\/strong>&nbsp;selon le mode choisi (rente ou capital)<\/li>\n\n\n\n<li><strong>Transmission du capital<\/strong>&nbsp;en cas de d\u00e9c\u00e8s avec des conditions fiscales favorables<\/li>\n<\/ul>\n\n\n\n<p>Pour les travailleurs non salari\u00e9s &amp; ind\u00e9pendants (TNS), le contrat est \u00e9ligible en <strong><a href=\"https:\/\/courtiassur.fr\/index.php\/loi-madelin\/\" data-type=\"page\" data-id=\"700\">Loi Madelin<\/a><\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\ud83d\udcac&nbsp;<em>Exemple : un cadre versant 7 000 \u20ac sur son PER peut \u00e9conomiser jusqu\u2019\u00e0 2 100 \u20ac d\u2019imp\u00f4ts par an.<\/em><\/p>\n<\/blockquote>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>D\u00e9blocage anticip\u00e9 :<\/strong><\/h2>\n\n\n\n<p>Le PER permet d\u00e9sormais de d\u00e9bloquer l\u2019\u00e9pargne avant la retraite dans certains cas :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Achat de la&nbsp;<strong>r\u00e9sidence principale<\/strong><\/li>\n\n\n\n<li>Invalidit\u00e9, d\u00e9c\u00e8s du conjoint, fin de droits au ch\u00f4mage<\/li>\n\n\n\n<li>Surendettement ou liquidation judiciaire<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Adoption du PER<\/strong><\/h2>\n\n\n\n<p>Depuis son lancement, le PER conna\u00eet un succ\u00e8s croissant :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>10,4 millions de titulaires<\/strong>&nbsp;en 2024<\/li>\n\n\n\n<li><strong>108,8 milliards d\u2019euros d\u2019encours<\/strong>, contre 31,6 milliards en 2020<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Pourquoi choisir COURTI ASSUR ?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Analyse personnalis\u00e9e<\/strong>&nbsp;de votre profil et de vos objectifs<\/li>\n\n\n\n<li><strong>Accompagnement humain<\/strong>&nbsp;dans le choix du PER adapt\u00e9<\/li>\n\n\n\n<li><strong>Comparatif clair<\/strong>&nbsp;entre les PER disponibles sur le march\u00e9<\/li>\n\n\n\n<li><strong>Partenariat avec des assureurs reconnus<\/strong><\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Demandez votre simulation gratuite<\/strong><\/h2>\n\n\n\n<p>Vous souhaitez optimiser votre fiscalit\u00e9 et pr\u00e9parer votre retraite ?<br><strong><a href=\"https:\/\/courtiassur.fr\/index.php\/accueil\/contact\/\" data-type=\"page\" data-id=\"46\">Contactez Courtiassur<\/a><\/strong>&nbsp;pour une \u00e9tude gratuite et sans engagement.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Qu\u2019est-ce que le PER ? Qu\u2019est-ce que le PER ? Le\u00a0Plan d\u2019\u00c9pargne Retraite (PER)\u00a0est un produit d\u2019\u00e9pargne \u00e0 long terme, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":42,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-171","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages\/171","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/comments?post=171"}],"version-history":[{"count":14,"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages\/171\/revisions"}],"predecessor-version":[{"id":740,"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages\/171\/revisions\/740"}],"up":[{"embeddable":true,"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages\/42"}],"wp:attachment":[{"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/media?parent=171"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}