2023-06-09 08:00:00
At a time when the various reforms lead to changes in taxation, you might as well show foresight. Introduced by the PACTE law of 2019, the PER aims to replace the old retirement savings plans PERCO, PERP, Madelin contract or article 83. It is aimed at all professionals, regardless of their status or age. , and allows you to anticipate your retirement while lowering your taxable income. A real investment for the future. Perlib, PER specialist, supports individuals in their procedures.
PER: what is it?
The individual PER is a long-term savings product allowing you to save during your working life, to obtain an annuity or a capital at the time of retirement. The sums invested during a year are deductible from the taxable income of that year. Open to everyone, at any time in life, the PER offers great flexibility.
The PER is taken care of by a managing organization, which informs the client of the characteristics of the chosen plan, its management method and its taxation. Each year, he must then communicate to him the changes in the account, its financial performance, the amount of fees deducted and, from the fifth year preceding retirement, the terms of exit.
Best PER 2023 accompanies and advises savers in their procedures.
Many advantages
The PER allows you to save while saving on your taxes. It represents a security, for example to face possible fluctuations of the financial markets. The PER is limited by a ceiling (up to 10% of taxable income) and can be affected from retirement age, unless it is unlocked before under certain conditions. The accumulated savings are recovered in the form of an annuity or capital paid in several instalments. You can choose not to benefit from the tax reduction, to take advantage of a tax advantage when leaving the PER. The management of retirement savings is entrusted to a manager, which minimizes the risks and maximizes the chances of capital gain.
To know concretely what benefits to derive from a PER, Perlib offers a PER simulator to define the amount of additional pension that would be affected.
Choosing the right PER
In order to choose the right PER, it is necessary to analyze the arbitration fees and the annual management fees (up to 2% of the contract) or the entry fees, which can go up to 4%. Then, you have to consider the amount of the payment fees, the flexibility of the contract or the terms of exit. Finally, let’s not forget the choice of insurance contract, which varies according to needs.
Perlib guarantees
Perlib, a specialist in PER, life insurance and real estate investments, helps individuals reduce their taxes and optimize their personal finances in a constantly changing world.
Perlib supports individuals in their investments to best prepare for their retirement, by offering them digital savings offers. Thanks to Perlib’s expertise, the procedures are simplified and it is possible to sort through the many offers thanks to different simulators.
Europe 1 did not participate in the writing of this article
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