Preparing for retirement is a priority to ensure a secure future. The Retirement Savings Plan (PER) is a financial solution that allows you to build long-term savings while benefiting from tax advantages. As a complement to retirement insurance , it offers a flexible alternative to anticipate retirement and maintain a comfortable standard of living. Discover how it works and its benefits.
1. What is a Retirement Savings Plan (PER)?
The PER is a long-term savings plan introduced by the PACTE law in 2019 to replace the old retirement savings products (PERP, Madelin , article 83). It allows you to build up capital or an annuity for retirement, with advantageous taxation.
There are three types of PER :
- Individual PER (PERIN) : Open to all, accessible on an individual basis.
- Collective PER (PERCOL) : Offered by the employer as part of employee savings.
- Mandatory PER (PERO) : Intended for employees with a contribution obligation in their company.
2. How does the PER work?
The PER works on the principle of voluntary and progressive savings.
a. Payments and Advantageous Taxation
- Payments can be free or scheduled according to the saver's capacity.
- They are deductible from taxable income , which allows you to reduce income tax.
b. Capital or Annuity Exit
- At retirement age, the saver can recover his savings in the form of full or fractional capital , or in the form of a life annuity .
- In the event of purchasing a primary residence, an early capital withdrawal is possible.
c. Secure and Dynamic Savings
- Savings are invested in various media ( shares, bonds, secure funds ), allowing for interesting profitability potential.
3. What are the advantages of PER?
✅ Tax reduction : Payments are deductible from taxable income.
✅ Flexibility : Capital withdrawal or annuity at retirement.
✅ Easier transmission : The PER can be transferred to heirs with advantageous taxation.
✅ Security and profitability : Possibility of choosing investment vehicles based on risk profile.
4. Why combine a PER with Retirement Insurance?
Retirement insurance allows you to supplement income from the general social security system, but it is often insufficient to maintain the desired standard of living.
🔹 A PER effectively complements retirement insurance by building up individual savings that the insured can withdraw as needed.
🔹 It ensures a more peaceful retirement by combining income from the mandatory scheme, a mutual pension plan and a savings plan.
Example :
- A self-employed person takes out a retirement insurance contract to guarantee a supplementary income in the form of an annuity.
- At the same time, he contributes to a PER , which he can recover in the form of capital to finance retirement projects (travel, property purchases, etc.).
5. Why Choose KT Assur&Bank for Your PER and Your Retirement Insurance?
At KT Assur&Bank , we offer retirement savings solutions tailored to everyone's needs:
✅ Personalized PER : Choose between a capital or annuity withdrawal depending on your objectives.
✅ Tax support : Maximize your tax benefits by optimizing your payments.
✅ Combined offers : Retirement insurance and PER for complete protection.
✅ Expert advisors : Personalized support to build savings adapted to your situation.
Conclusion
The Retirement Savings Plan (PER) is an ideal solution for planning for retirement while benefiting from advantageous tax treatment. Combined with retirement insurance , it helps secure your financial future and provide additional income upon retirement. Contact KT Assur&Bank today to discover our offers and set up your retirement savings now.