{"id":2749,"date":"2026-10-30T10:50:42","date_gmt":"2026-10-30T09:50:42","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=2749"},"modified":"2026-10-30T10:51:31","modified_gmt":"2026-10-30T09:51:31","slug":"dependance-un-plan-depargne-bloque-10-a-15-ans-pour-prolonger-le-per","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/dependance-un-plan-depargne-bloque-10-a-15-ans-pour-prolonger-le-per","title":{"rendered":"D\u00e9pendance : un plan d\u2019\u00e9pargne bloqu\u00e9 10 \u00e0 15 ans pour prolonger le PER ?"},"content":{"rendered":"<p>Prolonger le principe du <a href=\"https:\/\/www.toutsurmesfinances.com\/retraite\/plan-epargne-retraite-per.html\">plan d\u2019\u00e9pargne retraite (PER)<\/a> pour permettre aux Fran\u00e7ais de financer leur risque de perte d\u2019autonomie li\u00e9e au grand \u00e2ge. C\u2019est l\u2019une des 26 propositions de la d\u00e9put\u00e9e de Paris Olivia Gr\u00e9goire (Renaissance), dans un rapport au gouvernement visant \u00e0 faciliter la croissance et la transmission des TPE-PME, rendu public le 22 octobre 2026.<\/p>\n<p>L\u2019ancienne ministre d\u00e9l\u00e9gu\u00e9e charg\u00e9e des Entreprises, du Tourisme et de la Consommation propose la cr\u00e9ation d\u2019un plan \u00e9pargne d\u00e9pendance (PED), qui constituerait un \u00ab prolongement naturel du plan d\u2019\u00e9pargne retraite, b\u00e9n\u00e9ficiant des m\u00eames avantages fiscaux \u00bb. Pour m\u00e9moire, les versements volontaires sur un PER sont d\u00e9ductibles du revenu imposable, dans la limite d\u2019un plafond annuel, et l\u2019\u00e9pargne y reste bloqu\u00e9e jusqu\u2019\u00e0 la retraite, sauf cas de d\u00e9blocage anticip\u00e9 pr\u00e9vus par la loi.<\/p>\n<p>Au lieu de sortir de son PER \u00e0 l\u2019\u00e9ch\u00e9ance, un titulaire pourrait ainsi \u00ab r\u00e9investir tout ou partie du capital constitu\u00e9 dans cette nouvelle enveloppe, bloqu\u00e9e dix \u00e0 quinze ans, soit approximativement de 65 \u00e0 75 ou 80 ans et prioritairement orient\u00e9e vers l\u2019investissement dans les PME, cot\u00e9es et non cot\u00e9es \u00bb.<\/p>\n<p>L\u2019objectif de ce nouveau PED serait double : d\u2019un c\u00f4t\u00e9 pr\u00e9parer individuellement le financement de sa propre d\u00e9pendance, \u00ab avec le cadre fiscal qui a fait le succ\u00e8s du plan d\u2019\u00e9pargne retraite \u00bb ; de l\u2019autre la mise \u00e0 disposition de capitaux \u00ab dont les PME manquent \u00bb, gr\u00e2ce au blocage de l\u2019\u00e9pargne pendant 10 \u00e0 15 ans.<\/p>\n<p>La cr\u00e9ation du plan \u00e9pargne d\u00e9pendance n\u00e9cessiterait de passer par la loi. Elle suppose aussi d\u2019am\u00e9nager les r\u00e8gles de la directive europ\u00e9enne MiFID II qui encadre la commercialisation des produits financiers. Il s\u2019agirait, propose Olivia Gr\u00e9goire, de tenir \u00e9galement compte de l\u2019horizon de d\u00e9tention de l\u2019\u00e9pargnant \u00ab au regard de ses besoins r\u00e9els \u00bb pour d\u00e9terminer son profil de risque, et non plus seulement son \u00e2ge.<\/p>\n<p style=\"padding-left: 40px\">\u27a1\ufe0f Plafond de d\u00e9duction, cas de d\u00e9blocage, fiscalit\u00e9 \u00e0 la sortie : l\u2019essentiel \u00e0 savoir sur le <a href=\"https:\/\/www.toutsurmesfinances.com\/retraite\/per-individuel.html\">fonctionnement du PER individuel<\/a>.<\/p>\n<p>OB\/LF<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La d\u00e9put\u00e9e de Paris Olivia Gr\u00e9goire sugg\u00e8re au gouvernement la cr\u00e9ation d\u2019un plan \u00e9pargne d\u00e9pendance pour financer les PME, aliment\u00e9 par le capital du plan d\u2019\u00e9pargne retraite (PER), dans un rapport sur la croissance et la transmission des TPE-PME.<\/p>\n","protected":false},"author":13718,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2749","post","type-post","status-publish","format-standard","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>D\u00e9pendance : un plan d\u2019\u00e9pargne bloqu\u00e9 10 \u00e0 15 ans pour prolonger le PER ?<\/title>\n<meta name=\"description\" content=\"R\u00e9investir son PER dans un plan bloqu\u00e9 10 \u00e0 15 ans pour financer sa d\u00e9pendance et les PME : la proposition de l\u2019ancienne ministre Olivia Gr\u00e9goire.\" \/>\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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