{"id":1352,"date":"2020-09-30T09:58:56","date_gmt":"2020-09-30T07:58:56","guid":{"rendered":"https:\/\/leplanepargneretraite.fr\/per\/?page_id=1352"},"modified":"2020-09-30T10:14:33","modified_gmt":"2020-09-30T08:14:33","slug":"quel-per","status":"publish","type":"page","link":"https:\/\/leplanepargneretraite.fr\/per\/index.php\/quel-per\/","title":{"rendered":"Quel PER ?"},"content":{"rendered":"\n<p>La principale diff\u00e9rence entre le PER bancaire et le PER assurance r\u00e9side dans la nature des placements PER propos\u00e9s.&nbsp;<\/p>\n\n\n\n<p>Le choix de la structure d&#8217;investissement financi\u00e8re est relativement similaire entre un PER bancaire et un PER assurantiel.  Le PER bancaire propose un investissement en titres, Fonds Communs de Placement (FCP) ou Fonds Communs de Placement d\u2019Entreprise (FCPE), alors que le PER assurantiel propose un investissement en unit\u00e9s de comptes ou en fonds en euros (capital garanti \u00e0 96 ou 100%). <\/p>\n\n\n\n<p>Les principales diff\u00e9rences se trouvent dans le tableau ci-dessous : <\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" src=\"https:\/\/leplanepargneretraite.fr\/per\/wp-content\/uploads\/2020\/09\/Per-vs-PER-1-1024x226.png\" alt=\"\" class=\"wp-image-1284\" width=\"827\" height=\"184\" srcset=\"https:\/\/leplanepargneretraite.fr\/per\/wp-content\/uploads\/2020\/09\/Per-vs-PER-1-1024x226.png 1024w, https:\/\/leplanepargneretraite.fr\/per\/wp-content\/uploads\/2020\/09\/Per-vs-PER-1-300x66.png 300w, https:\/\/leplanepargneretraite.fr\/per\/wp-content\/uploads\/2020\/09\/Per-vs-PER-1-768x170.png 768w, https:\/\/leplanepargneretraite.fr\/per\/wp-content\/uploads\/2020\/09\/Per-vs-PER-1-272x60.png 272w, https:\/\/leplanepargneretraite.fr\/per\/wp-content\/uploads\/2020\/09\/Per-vs-PER-1.png 1377w\" sizes=\"(max-width: 827px) 100vw, 827px\" \/><\/figure><\/div>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"has-text-color\" style=\"color:#2a870d\">Fonds en euros<\/h4>\n\n\n\n<p><br>Le fonds en euros est un support d\u2019investissement qui pr\u00e9sente 2 atouts majeurs : <br>&#8211;&nbsp;Une garantie en capital comprise le plus souvent entre 95 et 100% du montant investi.<br>&#8211;&nbsp;L\u2019effet cliquet&nbsp;: Les int\u00e9r\u00eats annuels vers\u00e9s sur le fonds en euros sont d\u00e9finitivement acquis. <\/p>\n\n\n\n<h4 class=\"has-text-color\" style=\"color:#2a870d\">Fiscalit\u00e9 successorale plus douce<\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>Le PER assurantiel profite des m\u00eames abattements que pour l&#8217;assurance-vie, permettant le plus souvent que vos b\u00e9n\u00e9ficiaires soient exon\u00e9r\u00e9s de droits de successions. Pour rappel l&#8217;abattement est de 152 500 \u20ac par b\u00e9n\u00e9ficiaire du contrat pour les versements avant 70 ans. Apr\u00e8s 70 ans, il est de 30 500\u20ac sur l&#8217;ensemble du contrat (puis droits de succession classique).<\/p>\n\n\n\n<div class=\"wp-block-buttons aligncenter\">\n<div class=\"wp-block-button is-style-outline\"><a class=\"wp-block-button__link has-text-color\" href=\"https:\/\/leplanepargneretraite.fr\/per\/index.php\/fiscalite\/\" style=\"color:#2a870d\">En savoir plus sur la fiscalit\u00e9 du PER <\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"has-text-color\" style=\"color:#2a870d\">Les garanties pr\u00e9voyance<\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>Une garantie suppl\u00e9mentaire particuli\u00e8rement int\u00e9ressante pour les travailleurs non-salari\u00e9s (TNS). Propos\u00e9es le plus souvent sous la forme d&#8217;option, elle peuvent \u00eatre incluses directement au sein du contrat et concernent :<\/p>\n\n\n\n<p>Une prise en charge des cotisations <strong>en cas d&#8217;al\u00e9as de la vie<\/strong> :<br>\u2022 en cas d\u2019arr\u00eat de travail exc\u00e9dant 90 jours<br>continus, l&#8217;assureur vous rembourse les cotisations<br>pendant toute la dur\u00e9e de l\u2019arr\u00eat jusqu\u2019\u00e0 65-67 ans (en moyenne).<br>\u2022 en cas d\u2019invalidit\u00e9 permanente et totale,<br>l&#8217;assureur prend en charge les cotisations<br>jusqu\u2019\u00e0 votre 65e-67e<br>anniversaire (en moyenne).<br>La retraite continue donc de se constituer<br>normalement.<\/p>\n\n\n\n<h4>En cas de d\u00e9c\u00e8s<\/h4>\n\n\n\n<p><br>Votre conjoint recevra la retraite<br>que vous auriez per\u00e7ue.<br>Dans le cadre de l\u2019option rente couple, si vous<br>d\u00e9c\u00e9dez avant votre d\u00e9part \u00e0 la retraite, Generali<br>prend en charge tout ou partie des cotisations<br>restantes que vous auriez vers\u00e9es jusqu\u2019\u00e0 l\u2019\u00e2ge<br>de votre d\u00e9part \u00e0 la retraite en fonction<br>de l\u2019option souscrite.<\/p>\n\n\n\n<p>Ces options sont int\u00e9ressantes afin de prot\u00e9ger vos proches mais ont n\u00e9anmoins un co\u00fbt si vous d\u00e9cidez d\u2019y souscrire.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La principale diff\u00e9rence entre le PER bancaire et le PER assurance r\u00e9side dans la nature des placements PER propos\u00e9s.&nbsp; Le choix de la structure d&#8217;investissement financi\u00e8re est relativement similaire entre un PER bancaire et un PER assurantiel. Le PER bancaire propose un investissement en titres, Fonds Communs de Placement (FCP) ou Fonds Communs de Placement &hellip; <\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":[],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"wptouch-new-thumbnail":false,"rara-business-featured":false,"rara-business-team":false,"rara-business-blog":false,"rara-business-portfolio":false,"rara-business-schema":false},"uagb_author_info":{"display_name":"eparret","author_link":"https:\/\/leplanepargneretraite.fr\/per\/index.php\/author\/eparret\/"},"uagb_comment_info":0,"uagb_excerpt":"La principale diff\u00e9rence entre le PER bancaire et le PER assurance r\u00e9side dans la nature des placements PER propos\u00e9s.&nbsp; Le choix de la structure d&#8217;investissement financi\u00e8re est relativement similaire entre un PER bancaire et un PER assurantiel. Le PER bancaire propose un investissement en titres, Fonds Communs de Placement (FCP) ou Fonds Communs de Placement\u2026","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v14.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Quel PER ? - Le Plan Epargne Retraite<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/leplanepargneretraite.fr\/per\/index.php\/quel-per\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quel PER ? - Le Plan Epargne Retraite\" \/>\n<meta property=\"og:description\" content=\"La principale diff\u00e9rence entre le PER bancaire et le PER assurance r\u00e9side dans la nature des placements PER propos\u00e9s.&nbsp; Le choix de la structure d&#8217;investissement financi\u00e8re est relativement similaire entre un PER bancaire et un PER assurantiel. Le PER bancaire propose un investissement en titres, Fonds Communs de Placement (FCP) ou Fonds Communs de Placement &hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/leplanepargneretraite.fr\/per\/index.php\/quel-per\/\" \/>\n<meta property=\"og:site_name\" content=\"Le Plan Epargne Retraite\" \/>\n<meta property=\"article:modified_time\" content=\"2020-09-30T08:14:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/leplanepargneretraite.fr\/per\/wp-content\/uploads\/2020\/09\/Per-vs-PER-1-1024x226.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/leplanepargneretraite.fr\/per\/#organization\",\"name\":\"Le plan epargne retraite\",\"url\":\"https:\/\/leplanepargneretraite.fr\/per\/\",\"sameAs\":[],\"logo\":{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/leplanepargneretraite.fr\/per\/#logo\",\"inLanguage\":\"fr-FR\",\"url\":\"https:\/\/leplanepargneretraite.fr\/per\/wp-content\/uploads\/2020\/09\/PER-7.png\",\"width\":1080,\"height\":1080,\"caption\":\"Le plan epargne retraite\"},\"image\":{\"@id\":\"https:\/\/leplanepargneretraite.fr\/per\/#logo\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/leplanepargneretraite.fr\/per\/#website\",\"url\":\"https:\/\/leplanepargneretraite.fr\/per\/\",\"name\":\"Le Plan Epargne Retraite\",\"description\":\"Investissez vos imp\\u00f4ts pour pr\\u00e9parer votre retraite\",\"publisher\":{\"@id\":\"https:\/\/leplanepargneretraite.fr\/per\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":\"https:\/\/leplanepargneretraite.fr\/per\/?s={search_term_string}\",\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/leplanepargneretraite.fr\/per\/index.php\/quel-per\/#primaryimage\",\"inLanguage\":\"fr-FR\",\"url\":\"https:\/\/leplanepargneretraite.fr\/per\/wp-content\/uploads\/2020\/09\/Per-vs-PER-1.png\",\"width\":1377,\"height\":304},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/leplanepargneretraite.fr\/per\/index.php\/quel-per\/#webpage\",\"url\":\"https:\/\/leplanepargneretraite.fr\/per\/index.php\/quel-per\/\",\"name\":\"Quel PER ? - Le Plan Epargne Retraite\",\"isPartOf\":{\"@id\":\"https:\/\/leplanepargneretraite.fr\/per\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/leplanepargneretraite.fr\/per\/index.php\/quel-per\/#primaryimage\"},\"datePublished\":\"2020-09-30T07:58:56+00:00\",\"dateModified\":\"2020-09-30T08:14:33+00:00\",\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/leplanepargneretraite.fr\/per\/index.php\/quel-per\/\"]}]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","_links":{"self":[{"href":"https:\/\/leplanepargneretraite.fr\/per\/index.php\/wp-json\/wp\/v2\/pages\/1352"}],"collection":[{"href":"https:\/\/leplanepargneretraite.fr\/per\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/leplanepargneretraite.fr\/per\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/leplanepargneretraite.fr\/per\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/leplanepargneretraite.fr\/per\/index.php\/wp-json\/wp\/v2\/comments?post=1352"}],"version-history":[{"count":8,"href":"https:\/\/leplanepargneretraite.fr\/per\/index.php\/wp-json\/wp\/v2\/pages\/1352\/revisions"}],"predecessor-version":[{"id":1364,"href":"https:\/\/leplanepargneretraite.fr\/per\/index.php\/wp-json\/wp\/v2\/pages\/1352\/revisions\/1364"}],"wp:attachment":[{"href":"https:\/\/leplanepargneretraite.fr\/per\/index.php\/wp-json\/wp\/v2\/media?parent=1352"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}