{"id":34454,"date":"2022-01-18T13:36:30","date_gmt":"2022-01-18T13:36:30","guid":{"rendered":"https:\/\/algp.e-repas.com\/?post_type=solution_patrimonial&p=34454"},"modified":"2025-05-28T07:38:47","modified_gmt":"2025-05-28T07:38:47","slug":"plan-epargne-retraitre-conseil-rennes","status":"publish","type":"placements","link":"https:\/\/www.al-gestion-patrimoine.fr\/placements\/plan-epargne-retraitre-conseil-rennes\/","title":{"rendered":"Plan d’Epargne Retraite – PER"},"content":{"rendered":"\t\t
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Le PER est un produit d’\u00e9pargne \u00e0 long terme permettant d’obtenir, \u00e0 partir de l’\u00e2ge de la retraite, un capital et \/ ou une rente. Le PER permet de b\u00e9n\u00e9ficier d’une retraite compl\u00e9mentaire par capitalisation, non sujette aux al\u00e9as du syst\u00e8me de retraite par r\u00e9partition.<\/p>

Durant toute la p\u00e9riode d’activit\u00e9 du titulaire du plan, les sommes sont bloqu\u00e9es sur le PER (sauf cas particuliers). Le PER permet \u00e9galement de b\u00e9n\u00e9ficier d’un avantage fiscal \u00e0 l’entr\u00e9e : les versements r\u00e9alis\u00e9s sur le PER sont d\u00e9ductibles de vos revenus (dans une certaine limite). Le PER a vocation a remplacer le PERP, le Madelin le PERCO et le contrat article 83 qui ne sont plus commercialis\u00e9s depuis le 1er octobre 2020.<\/p>


Chaque personne peut souscrire un ou plusieurs PER (plusieurs PER individuels, ou un PER individuel et un PER entreprise).

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Les capitaux peuvent \u00eatre plac\u00e9s sur de nombreux supports comme le fonds euros, des actions, obligations, des SCPI ou des parts de fonds communs de placement

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Au choix du titulaire, les sommes issues des versements volontaires (d\u00e9duits ou non \u00e0 l’entr\u00e9e) ou de l’\u00e9pargne salariale peuvent \u00eatre r\u00e9cup\u00e9r\u00e9es \u00e0 terme :
\u2022 en rente viag\u00e8re (avec ou sans r\u00e9servation en cas de d\u00e9c\u00e8s du titulaire du PER),
\u2022 en capital en une fois ou de mani\u00e8re fractionn\u00e9e ou progressive (si pr\u00e9vue dans le contrat : le contrat peut notamment limiter la dur\u00e9e de fractionnement),
\u2022 pour partie en rente viag\u00e8re et pour partie en capital (si pr\u00e9vue dans le contrat)<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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ALGP, votre conseiller en gestion de patrimoine \u00e0 Rennes, Saint-Malo, Vannes...<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Dur\u00e9e du Plan d\u2019\u00c9pargne Retraite<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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  • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tPas de dur\u00e9e minimum d\u2019engagement, mais les sommes sont bloqu\u00e9es sauf exception jusqu\u2019\u00e0 la retraite<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    Avantages du Plan d\u2019\u00c9pargne Retraite<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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    • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tLa possibilit\u00e9 d\u2019un gain fiscal \u00e0 l\u2019entr\u00e9e<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
    • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tUne sortie flexible : en capital ou en rente<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
    • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tPas de fiscalit\u00e9 sur les gains produits durant la vie du contrat<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
    • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tUn contrat unique offrant la possibilit\u00e9 de transf\u00e9rer vos anciens contrats PERP ou Madelin<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
    • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tQuelques cas de d\u00e9blocage anticip\u00e9 dont l\u2019acquisition de la r\u00e9sidence principale<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
    • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tPossibilit\u00e9 d\u2019allouer votre \u00e9pargne sur diff\u00e9rents supports<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
    • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tLa possibilit\u00e9 de d\u00e9signer un ou plusieurs b\u00e9n\u00e9ficiaires en cas de d\u00e9c\u00e8s<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
    • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tVersements libres, pas d\u2019engagement de dur\u00e9e ou de fr\u00e9quence <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      Inconv\u00e9nients Plan d\u2019\u00c9pargne Retraite<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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      • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tIndisponibilit\u00e9s de fonds jusqu\u2019\u00e0 la retraite sauf cas de d\u00e9blocage anticip\u00e9<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t
      • \n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\tUne fiscalit\u00e9 \u00e0 la sortie d\u00e9pendante des options pris (rente ou capital)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"featured_media":34807,"parent":0,"template":"","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false},"categories":[983,981,987,992,985,986],"yoast_head":"\nPlan d'Epargne Retraite - PER - ALGP Rennes, Vannes, Saint-Malo<\/title>\n<meta name=\"description\" content=\"Ce produit d'\u00e9pargne permet d'obtenir \u00e0 partir de l'\u00e2ge de la retraite un capital et\/ou une rente, Plan Epargne Retraite \u00e0 Rennes, Saint-Malo\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.al-gestion-patrimoine.fr\/placements\/plan-epargne-retraitre-conseil-rennes\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.al-gestion-patrimoine.fr\/placements\/plan-epargne-retraitre-conseil-rennes\/\" \/>\n<meta property=\"og:site_name\" content=\"ALGP\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-28T07:38:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.al-gestion-patrimoine.fr\/app\/uploads\/sites\/85\/2022\/01\/AdobeStock_84726542-BD.png\" \/>\n\t<meta property=\"og:image:width\" content=\"786\" \/>\n\t<meta property=\"og:image:height\" content=\"562\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Bruno\" \/>\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=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.al-gestion-patrimoine.fr\/#organization\",\"name\":\"ALGP\",\"url\":\"https:\/\/www.al-gestion-patrimoine.fr\/\",\"sameAs\":[],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.al-gestion-patrimoine.fr\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.al-gestion-patrimoine.fr\/app\/uploads\/sites\/85\/2020\/06\/ALGP-logo-plus-fonce.png\",\"contentUrl\":\"https:\/\/www.al-gestion-patrimoine.fr\/app\/uploads\/sites\/85\/2020\/06\/ALGP-logo-plus-fonce.png\",\"width\":1800,\"height\":690,\"caption\":\"ALGP\"},\"image\":{\"@id\":\"https:\/\/www.al-gestion-patrimoine.fr\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.al-gestion-patrimoine.fr\/#website\",\"url\":\"https:\/\/www.al-gestion-patrimoine.fr\/\",\"name\":\"ALGP\",\"description\":\"Finance Solutions\",\"publisher\":{\"@id\":\"https:\/\/www.al-gestion-patrimoine.fr\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.al-gestion-patrimoine.fr\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/www.al-gestion-patrimoine.fr\/placements\/plan-epargne-retraitre-conseil-rennes\/#primaryimage\",\"url\":\"https:\/\/www.al-gestion-patrimoine.fr\/app\/uploads\/sites\/85\/2022\/01\/AdobeStock_84726542-BD.png\",\"contentUrl\":\"https:\/\/www.al-gestion-patrimoine.fr\/app\/uploads\/sites\/85\/2022\/01\/AdobeStock_84726542-BD.png\",\"width\":786,\"height\":562,\"caption\":\"conseil \u00e9pargne retraite Rennes\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.al-gestion-patrimoine.fr\/placements\/plan-epargne-retraitre-conseil-rennes\/#webpage\",\"url\":\"https:\/\/www.al-gestion-patrimoine.fr\/placements\/plan-epargne-retraitre-conseil-rennes\/\",\"name\":\"Plan d'Epargne Retraite - 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