{"id":2369,"date":"2026-10-12T12:06:30","date_gmt":"2026-10-12T10:06:30","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=2369"},"modified":"2026-10-12T12:06:30","modified_gmt":"2026-10-12T10:06:30","slug":"lucya-cnp-per-un-nouveau-plan-depargne-retraite-a-prix-casses","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lucya-cnp-per-un-nouveau-plan-depargne-retraite-a-prix-casses","title":{"rendered":"Lucya CNP PER : un nouveau plan d\u2019\u00e9pargne retraite \u00e0 prix cass\u00e9s"},"content":{"rendered":"

Lucya lance l\u2019un des contrats les plus comp\u00e9titifs \u00e0 ce jour pour investir en actions ou en ETF dans le cadre du plan d\u2019\u00e9pargne retraite individuel (PERin). Le courtier en ligne a annonc\u00e9, le 1er octobre 2026, le lancement de Lucya CNP PER, en partenariat avec CNP Assurances, sur le mod\u00e8le de l’assurance vie Lucya CNP, mise sur le march\u00e9 en avril. Assur\u00e9 par CNP Retraite, ce nouveau plan d\u2019\u00e9pargne retraite individuel<\/a> est accessible d\u00e8s 500 euros, avec des versements programm\u00e9s \u00e0 partir de 50 euros par mois.<\/p>\n

<\/span>Des frais de gestion de 0,30% sur les unit\u00e9s de compte<\/span><\/h2>\n

Lucya CNP PER ne pr\u00e9l\u00e8ve aucuns frais d\u2019entr\u00e9e, sur versement ou d\u2019arbitrage. Les frais de gestion annuels s\u2019\u00e9l\u00e8vent \u00e0 0,30% sur les unit\u00e9s de compte (UC), contre 0,80% sur le fonds en euros, \u00e0 capital garanti. Ces tarifs concernent la gestion libre, dans laquelle l\u2019\u00e9pargnant choisit lui-m\u00eame ses placements.<\/p>\n

En gestion pilot\u00e9e, les frais annuels atteignent 0,55% sur les UC (soit 0,25 point de pourcentage de plus qu\u2019en gestion libre), hors frais propres aux supports. La gestion \u00e0 horizon, qui vise \u00e0 s\u00e9curiser progressivement l\u2019\u00e9pargne \u00e0 l\u2019approche de la retraite, ne supporte pas de frais forfaitaires suppl\u00e9mentaires.<\/p>\n

Ces tarifs se situent nettement en dessous des niveaux moyens du march\u00e9 \u00e9tudi\u00e9s par l\u2019Observatoire des produits d\u2019\u00e9pargne financi\u00e8re (OPEF). Attention toutefois : les frais des plans d\u2019\u00e9pargne retraite<\/a> comprennent \u00e9galement ceux des fonds sous-jacents, qui viennent s\u2019ajouter aux frais du contrat.<\/p>\n

<\/span>Plus de 1 200 supports, dont 126 ETF et 585 actions<\/span><\/h2>\n

La liste des supports en UC en gestion libre, arr\u00eat\u00e9e au 30 septembre 2026, recense 1 283 unit\u00e9s de compte. Parmi elles figurent 126 ETF, ces fonds indiciels cot\u00e9s en Bourse permettant de r\u00e9pliquer des indices d\u2019actions ou d\u2019obligations (titres de dettes) avec des frais de gestion frais r\u00e9duits. Leur achat et leur vente sont gratuits. Cette liste, actuellement compos\u00e9e d’ETF actions, 17 obligataires et 2 mon\u00e9taires, doit s\u2019allonger, pour atteindre \u00ab prochainement \u00bb 150 ETF.<\/p>\n

Le contrat donne \u00e9galement acc\u00e8s pr\u00e8s de 600 actions en direct (dont 548 actions europ\u00e9ennes et 36 am\u00e9ricaines), avec des frais de transaction de 0,07%, auxquels peuvent s\u2019ajouter des frais de change et des taxes. \u00a0Elles ne sont accessibles que trente jours apr\u00e8s la signature du contrat.<\/p>\n

L\u2019offre comprend aussi 554 fonds traditionnels hors ETF, dont 310 fonds actions et 129 fonds obligataires. S\u2019y ajoutent 12 supports immobiliers, dont 11 soci\u00e9t\u00e9s civiles de placement immobilier (SCPI), ainsi que cinq supports non cot\u00e9s hors immobilier.<\/p>\n

Enfin, le fonds en euros CNP Lucya PER Euros B a servi un rendement de 2,60% net de frais de gestion en 2025. Un bonus de rendement de deux points est propos\u00e9 pour 2026 et 2027, sous conditions : verser au moins 5 000 euros avant le 31 d\u00e9cembre 2026, dont 50% minimum en unit\u00e9s de compte, dont le capital n\u2019est pas garanti.<\/p>\n","protected":false},"excerpt":{"rendered":"

Le courtier internet Lucya et CNP Assurances ont lanc\u00e9 un plan d\u2019\u00e9pargne retraite individuel \u00e0 frais r\u00e9duits, donnant acc\u00e8s \u00e0 plus de 1 200 supports d\u2019investissement, dont plus de 120 ETF sans frais de transaction.<\/p>\n","protected":false},"author":13709,"featured_media":2370,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2369","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"acf":[],"yoast_head":"\nLucya CNP PER : un nouveau plan d\u2019\u00e9pargne retraite \u00e0 prix cass\u00e9s - Actualit\u00e9s<\/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:\/\/www.toutsurmesfinances.com\/actualites\/a\/lucya-cnp-per-un-nouveau-plan-depargne-retraite-a-prix-casses\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Lucya CNP PER : un nouveau plan d\u2019\u00e9pargne retraite \u00e0 prix cass\u00e9s - Actualit\u00e9s\" \/>\n<meta property=\"og:description\" content=\"Le courtier internet Lucya et CNP Assurances ont lanc\u00e9 un plan d\u2019\u00e9pargne retraite individuel \u00e0 frais r\u00e9duits, donnant acc\u00e8s \u00e0 plus de 1 200 supports d\u2019investissement, dont plus de 120 ETF sans frais de transaction.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lucya-cnp-per-un-nouveau-plan-depargne-retraite-a-prix-casses\" \/>\n<meta property=\"og:site_name\" content=\"Actualit\u00e9s\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-12T10:06:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.toutsurmesfinances.com\/actualites\/wp-content\/uploads\/sites\/12\/2026\/10\/lucya-cnp-per-scaled.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"823\" \/>\n\t<meta property=\"og:image:height\" content=\"463\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Olivier Brunet\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Olivier Brunet\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lucya-cnp-per-un-nouveau-plan-depargne-retraite-a-prix-casses\",\"url\":\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/lucya-cnp-per-un-nouveau-plan-depargne-retraite-a-prix-casses\",\"name\":\"Lucya CNP PER : un nouveau plan d\u2019\u00e9pargne retraite \u00e0 prix cass\u00e9s - 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