Still young, the retirement savings plan (PER) mainly equips working people who want to build up a nest egg in anticipation of retirement. The calibration of the tax advantage upon entry and the proper management of these savings are logically the priorities of the moment. But once you retire, other questions arise. In fact, the capital stored in a PER can be released once you have reached the legal age of departure. The product nonetheless continues to exist.
At this stage, you already have to consider whether or not to draw from the envelope. Because such action will inevitably result in taxation of the sums concerned. This is not always the case at present, even if that is the spirit of the PER. “In the years to come, replacement rates will fall and people will necessarily have to supplement their pensions, assures Lotfi Lahiba, employee savings and retirement manager at Gay-Lussac Gestion. The more we move forward in time, the more the PER will be seen as a compulsory income supplement in retirement. »
Do you have other investments to draw from, such as life insurance? Do you also benefit from additional income through real estate investments? A real inventory is necessary. In fact, if you give up using these assets, you will be able to pass them on. A strategy which can be very effective, because it allows you to retain the tax advantage received on entry while protecting your spouse, since the latter can, under certain conditions, benefit from your PER tax-free in the event of death.
It may also be tempting to recover all of your savings before the age of 70 in order to repay this capital into a life insurance contract before this fateful age, and benefit from its advantageous tax treatment. But the taxation of capital during the repurchase makes the operation not very advantageous.
Secure your capital
“If the client does not have the means to transfer, the best solution is to carry out partial redemptions spread over time, because it is often in the first ten years after retirement that we want additional income, advises Julien Male, from Laplace. Pay attention to the flexibility offered by your contract on exit options! » Another option, although not very popular, is to take out a life annuity. In this case, you cede your capital to an insurer in exchange for a lifetime income.
Depending on the strategy adopted, you will be able to adapt the management of your contract. Indeed, the horizon management proposed by default in the PER plans to significantly reduce exposure to risky assets two years before retirement. A desensitization which aims to secure the capital you will need to complete your retirement.
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