{"id":2252,"date":"2026-10-06T11:33:59","date_gmt":"2026-10-06T09:33:59","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=2252"},"modified":"2026-10-06T11:33:59","modified_gmt":"2026-10-06T09:33:59","slug":"epargne-retraite-le-per-domine","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/epargne-retraite-le-per-domine","title":{"rendered":"\u00c9pargne retraite\u00a0: le PER domine"},"content":{"rendered":"<p>Le <a href=\"https:\/\/www.toutsurmesfinances.com\/retraite\/plan-epargne-retraite-per.html\" target=\"_blank\" rel=\"noopener\">plan d\u2019\u00e9pargne retraite<\/a> (PER) a rapidement trouv\u00e9 sa place. Alors que le PER vient de f\u00eater son 7<sup>\u00e8me<\/sup> anniversaire, une \u00e9tude de la F\u00e9d\u00e9ration nationale de la Mutualit\u00e9 fran\u00e7aise (FNMF), d\u00e9voil\u00e9e le 5 octobre 2026, montre \u00e0 quel point ce placement destin\u00e9 \u00e0 se constituer un revenu de compl\u00e9ment \u00e0 la retraite a \u00e9t\u00e9 adopt\u00e9 par les Fran\u00e7ais.<\/p>\n<p>D\u2019apr\u00e8s cette enqu\u00eate qui s\u2019appuie \u00e0 la fois sur un sondage de la FNMF r\u00e9alis\u00e9 aupr\u00e8s de 3 000 personnes et sur les donn\u00e9es publiques, le PER a repr\u00e9sent\u00e9 3% des adh\u00e9rents \u00e0 la retraite suppl\u00e9mentaire facultative (qui s\u2019ajoute aux retraites de base et compl\u00e9mentaire obligatoires) en 2019, c\u2019est-dire l\u2019ann\u00e9e de son lancement (il a \u00e9t\u00e9 commercialis\u00e9 le 1<sup>er<\/sup> octobre 2019). Il en a capt\u00e9 18% d\u00e8s 2020. Le PER a constitu\u00e9 30% des adh\u00e9rents \u00e0 la retraite suppl\u00e9mentaire en 2021, puis 49% en 2022.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pres_de_95_millions_de_titulaires_dun_plan\"><\/span>Pr\u00e8s de 9,5 millions de titulaires d\u2019un plan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Selon les derniers chiffres consolid\u00e9s, pr\u00e8s de 9,5 millions de Fran\u00e7ais d\u00e9tenaient un plan en 2023. Soit 55% des 17,3 millions de souscripteurs de produits d\u2019\u00e9pargne retraite en France. Toujours d\u2019apr\u00e8s la Mutualit\u00e9 fran\u00e7aise, 37% des personnes interrog\u00e9es disent \u00eatre couvertes par un PER souscrit \u00e0 titre individuel ou par le biais de leur entreprise.<\/p>\n<p>Si la progression de ce placement est donc impressionnante, elle a \u00e9t\u00e9 aid\u00e9e par la r\u00e9glementation. Le 1<sup>er<\/sup> octobre 2020, le PER a remplac\u00e9 le plan d\u2019\u00e9pargne retraite populaire (Perp), le contrat de retraite Madelin r\u00e9serv\u00e9 aux ind\u00e9pendants, le plan d\u2019\u00e9pargne pour la retraite collectif (Perco) et le r\u00e9gime de retraite suppl\u00e9mentaire \u00e0 cotisations d\u00e9finies (ou \u00ab\u00a0article 83\u00a0\u00bb). Depuis cette date, il n\u2019est plus possible d\u2019ouvrir ces produits.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Seuls_39_des_Francais_connaissent_le_PER\"><\/span>Seuls 39% des Fran\u00e7ais connaissent le PER<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>D\u2019ailleurs, le nombre de titulaires d\u2019un PER a bondi de\u2026 571% en 2020. Une part importante des Perp, des contrats Madelin, des Perco et des articles 83 ont \u00e9t\u00e9 transform\u00e9s cette ann\u00e9e-l\u00e0 en PER. Ce dernier peut, il est vrai, \u00eatre d\u00e9bloqu\u00e9 avant la retraite pour l\u2019achat de la r\u00e9sidence principale et \u00eatre liquid\u00e9 en capital et\/ou en rente, ce que ne permettait pas les anciens produits d\u2019\u00e9pargne retraite.<\/p>\n<p>Reste que, selon le sondage de la FNMF, 63% des Fran\u00e7ais disent ne pas conna\u00eetre les dispositifs con\u00e7us pour pr\u00e9parer financi\u00e8rement leur retraite. Et seuls 39% des sond\u00e9s d\u00e9clarent avoir entendu parler du PER. Pourtant, 60% des r\u00e9pondants estiment qu\u2019ils ne disposeront pas de ressources suffisantes pour vivre correctement \u00e0 la retraite.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sept ans apr\u00e8s sa cr\u00e9ation, le plan d\u2019\u00e9pargne retraite repr\u00e9sente d\u00e9j\u00e0 plus de la moiti\u00e9 des adh\u00e9rents \u00e0 la retraite suppl\u00e9mentaire en France.<\/p>\n","protected":false},"author":13713,"featured_media":2253,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2252","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00c9pargne retraite\u00a0: le PER domine<\/title>\n<meta name=\"description\" content=\"Le PER domine 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