{"id":70,"date":"2020-06-18T10:23:46","date_gmt":"2020-06-18T08:23:46","guid":{"rendered":"https:\/\/www.epargne-salariale.fr\/blog\/?p=70"},"modified":"2020-06-23T16:31:07","modified_gmt":"2020-06-23T14:31:07","slug":"le-plan-depargne-retraite-individuel-perin","status":"publish","type":"post","link":"https:\/\/www.epargne-salariale.fr\/blog\/2020\/06\/18\/le-plan-depargne-retraite-individuel-perin\/","title":{"rendered":"Le Plan d&rsquo;\u00e9pargne retraite individuel (PERin)"},"content":{"rendered":"\n<p>La loi PACTE a cr\u00e9\u00e9 un nouveau dispositif d&rsquo;\u00e9pargne individuelle pour les personnes physiques, le PERin. Ce dispositif d&rsquo;\u00e9pargne pour les particuliers remplace:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Pour les <strong>particuliers<\/strong>, le PERP (plan d&rsquo;\u00e9pargne retraite populaire)<\/li><li>Pour les <strong>ind\u00e9pendants<\/strong>, le contrat retraite Madelin<\/li><\/ul>\n\n\n\n<p>Ce nouveau produit d&rsquo;\u00e9pargne retraite pr\u00e9sente de nombreux avantages :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Une sortie en capital ou en rente au moment de la retraite<\/strong><\/li><li><strong>De nombreuses possibilit\u00e9s de transferts<\/strong><\/li><li><strong>Des cas de d\u00e9blocages anticip\u00e9s notamment pour acqu\u00e9rir sa r\u00e9sidence principale<\/strong><\/li><li><strong>Une transmission en cas de d\u00e9c\u00e8s peu ou pas impos\u00e9e<\/strong><\/li><\/ul>\n\n\n\n<p>Depuis le 1er octobre 2019, il vous est possible de souscrire \u00e0 ce nouveau plan d&rsquo;\u00e9pargne retraite individuel. <\/p>\n\n\n\n<p>Il n&rsquo;est plus d\u2019ouvrir des contrats PERP ou Madelin \u00e0 partir du <b>1er octobre 2020. <\/b>Cependant les contrats en cours ne sont pas cl\u00f4tur\u00e9s, et les versements sur ces anciens dispositifs resteront possibles.<\/p>\n\n\n\n<p>L&rsquo;objectif de cette nouvelle offre cr\u00e9\u00e9e par la loi Pacte est toujours le m\u00eame : vous permettre d&rsquo;\u00e9pargner pour le retraite dans des conditions fiscales favorables. Le principe reste le suivant :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Les versements dans le PERin sont d\u00e9ductibles de vos revenus imposables, dans certaines limites<\/li><li>Votre revenu imposable diminue \u00e0 due proportion et vos imp\u00f4ts \u00e9galement<\/li><li>Les sommes sont normalement plac\u00e9es jusqu&rsquo;\u00e0 la retraite, sauf d\u00e9blocage anticip\u00e9<\/li><li>A la retraite, l&rsquo;\u00e9pargnant r\u00e9cup\u00e8re les sommes sous forme de capital ou de rente<\/li><\/ul>\n\n\n\n<p>Ce nouveau produit a donc de nombreux avantages : incitation fiscale, souplesse, facult\u00e9s de sortie \u00e9largie, choix entre le capital et la rente &#8230;<\/p>\n\n\n\n<p>Au moment de la retraite, vous pouvez r\u00e9cup\u00e9rer votre capital en une fois, de mani\u00e8re fractionn\u00e9e ou sous forme de rente. <\/p>\n\n\n\n<p>Par ailleurs, les cas de d\u00e9blocages anticip\u00e9s sont plus nombreux et concernent des raisons positives. Vous pouvez r\u00e9cup\u00e9rer les sommes pour tout achat de votre r\u00e9sidence principale. A cela s&rsquo;ajoute les cas suivants :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>d\u00e9c\u00e8s de votre conjoint ou partenaire de PACS, <\/li><li>invalidit\u00e9, <\/li><li>surendettement, <\/li><li>fin de droits \u00e0 l\u2019assurance ch\u00f4mage. <\/li><\/ul>\n\n\n\n<p>Avec le PERP, vous ne pouviez r\u00e9cup\u00e9rer le capital pour l&rsquo;achat de votre r\u00e9sidence principale qu&rsquo;au moment de la retraite &#8230;<\/p>\n\n\n\n<p>Dans ces situations de d\u00e9blocage anticip\u00e9, vous pouvez r\u00e9cup\u00e9rer votre capital, avant l\u2019\u00e2ge de la retraite <strong>sans imp\u00f4t sur le revenu<\/strong>&nbsp;(\u00e0 l&rsquo;exception de l\u2019acquisition de la r\u00e9sidence principale).<\/p>\n\n\n\n<p>Votre PERin peut \u00eatre aliment\u00e9 par les flux suivants :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>par vos versements volontaires<\/li><li>par des fonds issus d\u2019un ancien dispositif de retraite (Perp, Madelin, article 83 &#8230;) jusqu\u2019au 31 d\u00e9cembre 2022 (par transfert)<\/li><li>recevoir des fonds issus d\u2019autres compartiments du PER (par une d\u00e9cision de transfert de votre part).<\/li><\/ul>\n\n\n\n<p>Attention : <\/p>\n\n\n\n<p>&#8211; vous ne pouvez pas alimenter votre PERin avec les sommes issues de la participation ou de l\u2019int\u00e9ressement<\/p>\n\n\n\n<p>&#8211; les sommes issues d\u2019un transfert provenant de <strong>versements obligatoires <\/strong>(correspondant par exemple \u00e0 un <strong>Article 83)<\/strong> ne peuvent pas pr\u00e9tendre \u00e0 la sortie en capital au terme, ou au d\u00e9blocage anticip\u00e9 pour acquisition de la r\u00e9sidence principale.<\/p>\n\n\n\n<p>A savoir : le PERin permet de b\u00e9n\u00e9ficier d\u2019un abattement suppl\u00e9mentaire pour les sommes issues d\u2019un transfert d&rsquo;assurance vie<a href=\"https:\/\/www.toutsurmesfinances.com\/placements\/assurance-vie-fonctionnement-et-explications.html\"> <\/a><\/p>\n\n\n\n<p>Condition : ce transfert doit intervenir avant le 1er janvier 2023 <\/p>\n\n\n\n<p>Gestion de votre PERin<\/p>\n\n\n\n<p>Tout PER doit proposer au moins deux formules de gestion de l\u2019\u00e9pargne&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>une <b>gestion pilot\u00e9e<\/b>, propos\u00e9e par d\u00e9faut&nbsp;:&nbsp;<em>\u00ab&nbsp;allocation de l\u2019\u00e9pargne permettant de r\u00e9duire progressivement les risques financiers pour le titulaire&nbsp;\u00bb<\/em>&nbsp;institue par l\u2019article L224-3 du Code mon\u00e9taire et financier<\/li><li>sur option de l&rsquo;\u00e9pargnant, la <strong>gestion libre<\/strong> (l\u2019\u00e9pargnant choisit ses supports)<\/li><\/ul>\n\n\n\n<p>Dans le cadre de la gestion pilot\u00e9e, les sommes sont plac\u00e9es en fonction de l&rsquo;horizon, de placement de l&rsquo;\u00e9pargnant : plus l&rsquo;horizon de retraite est lointain, plus les sommes sont investies sur des supports de placement de long terme (actions sur les march\u00e9s financiers notamment). <\/p>\n\n\n\n<p>Plus l&rsquo;horizon de la retraite se rapproche, plus l&rsquo;\u00e9pargne accumul\u00e9e est \u00ab\u00a0d\u00e9sensibilis\u00e9e\u00a0\u00bb c&rsquo;est-\u00e0-dire que les sommes sont progressivement plac\u00e9es sur des supports de placement consid\u00e9r\u00e9s comme moins risqu\u00e9es (obligations, mon\u00e9taire, \u2026). Cette gestion se fait automatiquement : l&rsquo;\u00e9pargnant n&rsquo;a pas \u00e0 se pr\u00e9occuper de la gestion financi\u00e8re de son PERin, ce qui est une s\u00e9curit\u00e9. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion : que faire de mes anciens PERP et contrats Madelin ?<\/h2>\n\n\n\n<p>Le conseil d&rsquo;epargne-salariale.fr :  les transf\u00e9rer vers un PERin, car ce nouveau dispositif b\u00e9n\u00e9ficie de beaucoup d\u2019avantages par rapport aux anciens dispositif PERP et Madelin.<\/p>\n\n\n\n<p>Vous pouvez \u00e9galement&nbsp;<strong>transf\u00e9rer vers le PERin<\/strong> <strong>les sommes plac\u00e9es sur un contrat d\u2019assurance-vie ou de capitalisation de plus de 8 ans .<\/strong><br>Cette op\u00e9ration consiste en un rachat sur votre contrat d&rsquo;assurance vie avec un avantage fiscal sp\u00e9cifique : l\u2019abattement pr\u00e9vu sur les int\u00e9r\u00eats en cas de retrait sur le contrat est doubl\u00e9 : 9 200 \u20ac pour un c\u00e9libataire &amp; 18 400 \u20ac pour les couples mari\u00e9s ou pacs\u00e9s.<\/p>\n\n\n\n<p><strong>Tout transfert n\u00e9cessite une \u00e9tude : nos conseillers sont \u00e0 votre disposition pour la r\u00e9aliser gracieusement !<\/strong><\/p>\n\n\n\n<p>Par ailleurs, nous vous proposerons prochainement un <strong>PERin recommand\u00e9<\/strong> par notre plateforme <a href=\"http:\/\/www.epargne-salariale.fr\">epargne-salariale.fr<\/a> : il rassemble les meilleures solutions du march\u00e9 !<\/p>\n\n\n\n<p><a href=\"mailto:contact@epargne-salariale.fr\">contact@epargne-salariale.fr<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La loi PACTE a cr\u00e9\u00e9 un nouveau dispositif d&rsquo;\u00e9pargne individuelle pour les personnes physiques, le PERin&#8230;<\/p>\n","protected":false},"author":2,"featured_media":78,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[23],"tags":[8,15,16,21,13,19],"class_list":["post-70","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-epargne-retraite","tag-deblocage-anticipe","tag-perin","tag-perp","tag-residence-principale","tag-retraite-madelin","tag-versement-volontaire"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le Plan d&#039;\u00e9pargne retraite individuel (PERin) - Blog de l&#039;Epargne Salariale<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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