{"id":47780,"date":"2020-12-21T09:52:16","date_gmt":"2020-12-21T08:52:16","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/placements\/?p=47780"},"modified":"2025-08-22T13:23:42","modified_gmt":"2025-08-22T11:23:42","slug":"per-et-assurance-vie-sont-complementaires","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/placements\/per-et-assurance-vie-sont-complementaires.html","title":{"rendered":"\u00ab PER et assurance vie sont compl\u00e9mentaires \u00bb"},"content":{"rendered":"<p><strong>ToutSurMesFinances.com\u00a0: Qu\u2019est-ce que le PER apporte \u00e0 l\u2019\u00e9pargnant par rapport aux anciens produits d\u2019\u00e9pargne retraite\u00a0?<\/strong><\/p>\n<p><strong>Cl\u00e9mence Gastaldi Seris\u00e9\u00a0:<\/strong> <a href=\"https:\/\/www.toutsurmesfinances.com\/retraite\/le-perp-le-plan-d-epargne-retraite-populaire.html\">Le Perp<\/a> et le <a href=\"https:\/\/www.toutsurmesfinances.com\/retraite\/loi-madelin-avantages-et-inconvenients-du-contrat-retraite-des-tns.html\">contrat Madelin<\/a> pr\u00e9sentaient deux freins majeur \u00e0 la g\u00e9n\u00e9ralisation de l\u2019\u00e9pargne retraite en France\u00a0: une sortie en rente quasi-obligatoire et un effet tunnel dont il \u00e9tait impossible de sortir, puisqu\u2019on ne pouvait pas toucher \u00e0 \u00a0son \u00e9pargne avant la retraite en dehors des cas de d\u00e9blocage pour accident de la vie.<\/p>\n<p>Le <a href=\"https:\/\/www.toutsurmesfinances.com\/retraite\/plan-epargne-retraite-per.html\">PER (plan d&rsquo;\u00e9pargne retraite)<\/a> r\u00e9pond \u00e0 ces deux probl\u00e9matiques gr\u00e2ce aux assouplissements introduits par la loi Pacte. D\u2019un c\u00f4t\u00e9 il permet de sortir, au choix, en capital ou en rente au moment de la retraite, et de l\u2019autre il offre une possibilit\u00e9 de sortie anticip\u00e9e pour acquisition de la r\u00e9sidence principale, en compl\u00e9ment des cas de force majeure.<\/p>\n<p>J\u2019y ajouterais un troisi\u00e8me avantage rarement mis en avant\u00a0: l\u2019organisation du PER en trois compartiments permet de d\u00e9bloquer depuis un seul produit toute l\u2019\u00e9pargne retraite accumul\u00e9e \u00e0 la fois \u00e0 titre individuel et dans le cadre de ses diff\u00e9rents dispositifs en entreprise.<\/p>\n<p><strong>A qui le PER s\u2019adresse-t-il\u00a0?<\/strong><\/p>\n<p>L\u2019utilit\u00e9 du PER variera d\u2019un client \u00e0 l\u2019autre en fonction de son projet de vie, de son cadre familial, de sa tranche marginale d\u2019imposition (TMI). Un audit pr\u00e9alable aupr\u00e8s d\u2019un agent g\u00e9n\u00e9ral ou d\u2019un conseiller expert est indispensable pour d\u00e9terminer les besoins de chacun et l\u2019opportunit\u00e9 de souscrire ou alimenter un<a href=\"https:\/\/www.toutsurmesfinances.com\/placements\/assurance-vie-fonctionnement-et-explications.html\"> contrat d\u2019assurance vie<\/a> et\/ou un PER.<\/p>\n<p>Cela dit, au sein du couple, on peut encourager la d\u00e9tention d\u2019un PER chacun, en particulier pour celui ou celle qui a le revenu le plus faible de mani\u00e8re \u00e0 le ou la prot\u00e9ger. Cette logique de pr\u00e9voyance s\u2019appuie sur la possibilit\u00e9 pour le conjoint survivant de d\u00e9bloquer son propre PER en cas de d\u00e9c\u00e8s de l\u2019\u00e9poux ou du partenaire de Pacs. En outre, au moment de l\u2019alimentation du contrat, on peut faire b\u00e9n\u00e9ficier de sa propre enveloppe de d\u00e9ductibilit\u00e9 \u00e0 son conjoint.<\/p>\n<p><strong>Le PER est-il pr\u00e9conis\u00e9 pour tous\u00a0?<\/strong><\/p>\n<p>G\u00e9n\u00e9ralement, le PER ne pr\u00e9sente pas d\u2019int\u00e9r\u00eat lorsqu\u2019on est <a href=\"https:\/\/www.toutsurmesfinances.com\/impots\/imposable-ou-non-imposable-sur-le-revenu-a-partir-de-combien-paye-t-on-des-impots.html\">non-imposable<\/a>. On peut r\u00e9sumer le PER \u00e0 une enveloppe vous offrant un avantage fiscal \u00e0 l\u2019entr\u00e9e en contrepartie d\u2019une liquidit\u00e9 limit\u00e9e. Un fonctionnement qui ne se pr\u00eate pas aux contribuables ne payant pas d\u2019imp\u00f4t sur le revenu, \u00e0 moins de vouloir se contraindre \u00e0 \u00e9pargner sans possibilit\u00e9, ou presque, de sortir jusqu\u2019\u00e0 la retraite. \u00c0 l\u2019inverse, l\u2019assurance vie offre une liquidit\u00e9 totale et un avantage fiscal sur les gains au bout de 8 ans.<\/p>\n<p><strong>Et dans les tranches d\u2019imposition \u00e0 41% ou 45%\u00a0?<\/strong><\/p>\n<p>Le PER a \u00e9norm\u00e9ment d\u2019int\u00e9r\u00eat puisqu\u2019il permet de d\u00e9duire les versements dans la limite de l\u2019enveloppe de d\u00e9ductibilit\u00e9 figurant sur l\u2019avis d\u2019imposition annuel. L\u2019imposition des revenus dans les tranches les plus \u00e9lev\u00e9e est effac\u00e9e\u00a0: pour une TMI \u00e0 41% et un versement de 1000 euros d\u00e9ductible du revenu imposable, l\u2019\u00e9conomie d\u2019imp\u00f4t atteint 410 euros.<\/p>\n<p><strong>Quid des tranches d\u2019imposition \u00e0 11 ou 30% ?<\/strong><\/p>\n<p>L\u2019opportunit\u00e9 de recourir \u00e0 un PER s\u2019analyse avec un conseiller, qui mettra en balance l\u2019avantage fiscal sur les versements d\u2019un c\u00f4t\u00e9, et le blocage du capital de l\u2019autre, tout en se projetant sur la situation lors du d\u00e9part en retraite. Plus le diff\u00e9rentiel de tranche d\u2019imposition est important entre la phase d\u2019\u00e9pargne et la phase de restitution sous forme de capital ou de rente, plus l\u2019utilisation du PER est efficace. Mais d\u2019une mani\u00e8re g\u00e9n\u00e9rale, nous encourageons la d\u00e9tention des deux v\u00e9hicules, assurance vie et PER.<\/p>\n<p><strong>Pourquoi\u00a0?<\/strong><\/p>\n<p>Assurance vie et PER sont deux produits compl\u00e9mentaires. L\u2019assurance vie est indispensable, ne serait-ce que pour disposer de liquidit\u00e9s rapidement, alors que le PER r\u00e9pond davantage \u00e0 l\u2019enjeu de constitution d\u2019une \u00e9pargne pour la retraite. La pond\u00e9ration entre les deux d\u00e9pendra de nombreux facteurs. Par exemple, les personnes fortement impos\u00e9es dont le besoin de liquidit\u00e9s imm\u00e9diates ne se fait pas sentir pourront privil\u00e9gier le PER. Dans tous les cas, l\u2019\u00e9tude minutieuse de votre situation et de vos r\u00e9els besoins avec un conseiller expert est fondamentale.<\/p>\n<p><em>Propos recueillis par Olivier Brunet<\/em><\/p>\n<div id=\"export\" style=\"padding:10px;color:#333333; background:#f5f5f5; display:block; margin:0 0 1.5rem; width:100%; height:auto;\">\n<span class=\"alt-h2\">Quel placement est fait pour vous ?<\/span><br \/>\nFaites une <strong>simulation rapide, gratuite et sans engagement<\/strong> pour d\u00e9couvrir quel placement vous correspond le mieux\u00a0:<\/p>\n<p class=\"p1\"><div class=\"w-btn-wrapper align_center\"><a class=\"w-btn us-btn-style_1\" target=\"_blank\" rel=\"nofollow\" href=\"https:\/\/mastrategie.eres-group.com\/parametres-initiaux\"><span class=\"w-btn-label\">Je fais une simulation gratuite<\/span><\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Le PER offre un avantage fiscal \u00e0 l\u2019entr\u00e9e, gr\u00e2ce \u00e0 la d\u00e9ductibilit\u00e9 des versements, en contrepartie d\u2019une liquidit\u00e9 limit\u00e9e \u00e0 la sortie anticip\u00e9e pour acquisition de la r\u00e9sidence principale ou accidents de la vie. Un fonctionnement qui ne se pr\u00eate pas \u00e0 tous les contribuables, qui auront dans tous les cas int\u00e9r\u00eat \u00e0 conserver leur contrat d\u2019assurance vie pour disposer de leur capital rapidement. L\u2019\u00e9clairage de Cl\u00e9mence Gastaldi Seris\u00e9, Directrice g\u00e9n\u00e9rale d\u2019AXA Pr\u00e9voyance &amp; Patrimoine.<\/p>\n","protected":false},"author":13709,"featured_media":55074,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"class_list":["post-47780","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-vie"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00ab PER et assurance vie sont compl\u00e9mentaires \u00bb<\/title>\n<meta name=\"description\" content=\"PER et assurance vie : deux solutions compl\u00e9mentaires pour concilier \u00e9pargne disponible et pour la retraite, optimiser sa fiscalit\u00e9, transmettre un capital\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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