Since May 2019, the retirement savings plan (PER) has been established in the wealth investment landscape. So much so that it has become almost as essential as life insurance. Even if this solution does not suit everyone and nothing prevents you from building up capital to draw on in retirement through other funds.
The PER has the particularity of being blocked and, in return, of offering a tax advantage during payments. Only significantly taxed households will therefore benefit from this. Another essential element: having an already comfortable savings cushion before subscribing to a PER since the capital invested is blocked until retirement.
Once these prerequisites have been validated, you will have to deal with an offer that has expanded significantly since the creation of the system at the end of 2019. You will indeed be able to open a plan within your bank, with your insurer or even on the Internet…
Insurance or securities account
A first element to keep in mind when sorting: there are PERs in life insurance format – the vast majority – and others in securities account format – much rarer. The first have the advantage of taking you into familiar territory, since they are very often “copied and pasted” from the life insurance of the company that markets them. Most of the time they provide access to a fund in euros and benefit from the most advantageous tax rules in terms of transmission.
For its part, the PER securities account gives access to a wider choice of media and is much less expensive. “The PER securities account is more suitable for young clients, with a very long investment horizon, as well as for very high net worth individuals who have already optimized their estate, by taking advantage of tax advantages, particularly through insurance -life, explains Lotfi Lahiba, employee savings and retirement manager at Gay-Lussac Gestion. And as transfers are authorized, it is possible to benefit from a securities account PER during the savings period and switch to an insurance PER at the time of retirement. »
The most important thing, however, remains to target a contract that meets your expectations, depending on your level of knowledge of investment supports, your need for support, your appetite for risk, etc. In other words: the best plan for one will not necessarily be suitable for another. “Whether it’s an Internet contract with low fees; a plan focused on sustainable development, including numerous life annuity options; heritage with a wide choice of supports… you must subscribe to a PER that corresponds to your project”indicates Julien Male, deputy general manager of Laplace.
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