{"id":659,"date":"2026-05-18T12:01:02","date_gmt":"2026-05-18T10:01:02","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=659"},"modified":"2026-05-18T12:02:53","modified_gmt":"2026-05-18T10:02:53","slug":"epargne-retraite-le-per-franchit-le-cap-des-150-milliards-d-euros-d-encours-fin-2025","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/epargne-retraite-le-per-franchit-le-cap-des-150-milliards-d-euros-d-encours-fin-2025","title":{"rendered":"\u00c9pargne retraite : le PER franchit le cap des 150 milliards d&rsquo;euros d&rsquo;encours fin 2025"},"content":{"rendered":"<p>Le succ\u00e8s du PER ne se d\u00e9ment pas. Cr\u00e9\u00e9 par la loi PACTE de 2019, le plan d&rsquo;\u00e9pargne retraite a d\u00e9pass\u00e9 fin 2025 le seuil symbolique des 150 milliards d&rsquo;euros d&rsquo;encours, selon un communiqu\u00e9 de presse publi\u00e9 le 17 mai 2026 par le minist\u00e8re de l&rsquo;\u00c9conomie. Au 31 d\u00e9cembre 2025, le produit d\u00e9di\u00e9 \u00e0 la constitution d\u2019un capital ou d\u2019une rente pour la retraite comptait pr\u00e9cis\u00e9ment 12,9 millions de titulaires pour un encours total de 150,4 milliards d&rsquo;euros, en progression de 20% sur un an et de 46% en deux ans, d\u2019apr\u00e8s des chiffres consolid\u00e9s \u00e0 partir des donn\u00e9es transmises par les f\u00e9d\u00e9rations professionnelles des acteurs proposant des PER (banques, assureurs, mutuelles, institution de pr\u00e9voyance, soci\u00e9t\u00e9s de gestion).<\/p>\n<h2><span class=\"ez-toc-section\" id=\"PER_individuel_le_plus_prise\"><\/span>PER individuel le plus pris\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Les trois compartiments du PER affichent une dynamique soutenue, avec toutefois des rythmes diff\u00e9rents. Le <a href=\"https:\/\/www.toutsurmesfinances.com\/retraite\/plan-depargne-retraite-individuel-pour-qui.html\">PER individuel<\/a>, ouvert \u00e0 titre personnel, concentre 88,5 milliards d&rsquo;euros d&rsquo;encours, en hausse de 21% sur un an. Les versions collectives propos\u00e9es par les entreprises \u00e0 leurs salari\u00e9s repr\u00e9sentent, quant \u00e0 elles, 33,86 milliards d&rsquo;euros d&rsquo;encours pour le PER collectif (+22% en 2025) et 28,04 milliards d&rsquo;euros pour le PER obligatoire (+13% en 2025).<\/p>\n<p>Lanc\u00e9 le 1er octobre 2019 afin de se substituer aux anciens produits d\u2019\u00e9pargne retraite (Perp, Madelin, Article 83, Perco), le PER b\u00e9n\u00e9ficie d&rsquo;un cadre fiscal incitatif, avec la possibilit\u00e9 de d\u00e9duire les versements volontaires de son revenu imposable dans la limite de plafonds actualis\u00e9s chaque ann\u00e9e.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Plus_de_5_milliards_deuros_fleches_vers_le_non_cote\"><\/span>Plus de 5 milliards d&rsquo;euros fl\u00e9ch\u00e9s vers le non cot\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Le minist\u00e8re pr\u00e9cise que l\u2019encours des PER est allou\u00e9 \u00e0 plus de 60% en actifs finan\u00e7ant directement les entreprises, dont plus de 5 milliards d&rsquo;euros investis dans le non cot\u00e9 (capital investissement, dette priv\u00e9e, fonds d&rsquo;infrastructures).<\/p>\n<p>Depuis l\u2019entr\u00e9e en vigueur de la loi industrie verte le 24 octobre 2024, la gestion pilot\u00e9e par horizon, le mode de gestion par d\u00e9faut des PER, doit inclure une part minimum d\u2019actifs non cot\u00e9s selon le profil de risque de l\u2019\u00e9pargnant et le nombre d\u2019ann\u00e9es qui lui reste avant son d\u00e9part en retraite.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le plan d&rsquo;\u00e9pargne retraite (PER) a s\u00e9duit 12,9 millions de titulaires fin 2025, un peu plus de six ans apr\u00e8s sa cr\u00e9ation.<\/p>\n","protected":false},"author":13709,"featured_media":663,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-659","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 : le PER franchit le cap des 150 milliards d&#039;euros d&#039;encours fin 2025<\/title>\n<meta name=\"description\" content=\"Le PER a franchi 150 milliards d&#039;euros d&#039;encours et compte 12,9 millions de titulaires fin 2025 selon le minist\u00e8re de l&#039;\u00c9conomie.\" \/>\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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