{"id":753,"date":"2025-08-07T06:45:57","date_gmt":"2025-08-07T04:45:57","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/les-frais-de-gestion-du-per-pourraient-etre-plus-transparents-selon-certains-epargnants-on-nous-cache-des-choses\/"},"modified":"2025-08-07T06:45:57","modified_gmt":"2025-08-07T04:45:57","slug":"les-frais-de-gestion-du-per-pourraient-etre-plus-transparents-selon-certains-epargnants-on-nous-cache-des-choses","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/les-frais-de-gestion-du-per-pourraient-etre-plus-transparents-selon-certains-epargnants-on-nous-cache-des-choses\/","title":{"rendered":"Les frais de gestion du PER pourraient \u00eatre plus transparents selon certains \u00e9pargnants \u201con nous cache des choses\u201d"},"content":{"rendered":"<article>\n<p>Dans un contexte o\u00f9 les \u00e9pargnants fran\u00e7ais sont de plus en plus attentifs \u00e0 leurs placements retraite, une question cruciale \u00e9merge : <strong>\u00ab\u00a0Les frais de gestion du PER seraient-ils moins transparents qu&rsquo;on ne le croit ?\u00a0\u00bb<\/strong> Plusieurs t\u00e9moignages et analyses sugg\u00e8rent que certains contrats d&rsquo;\u00e9pargne retraite dissimuleraient des co\u00fbts cach\u00e9s, impactant significativement les rendements \u00e0 long terme.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Sommaire<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f1051a2da69\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f1051a2da69\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rachat2credit.fr\/guide\/les-frais-de-gestion-du-per-pourraient-etre-plus-transparents-selon-certains-epargnants-on-nous-cache-des-choses\/#Un_epargnant_decouvre_des_frais_inattendus_apres_5_ans_de_versements\" >Un \u00e9pargnant d\u00e9couvre des frais inattendus apr\u00e8s 5 ans de versements<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rachat2credit.fr\/guide\/les-frais-de-gestion-du-per-pourraient-etre-plus-transparents-selon-certains-epargnants-on-nous-cache-des-choses\/#Les_trois_niveaux_de_frais_qui_pourraient_vous_surprendre\" >Les trois niveaux de frais qui pourraient vous surprendre<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rachat2credit.fr\/guide\/les-frais-de-gestion-du-per-pourraient-etre-plus-transparents-selon-certains-epargnants-on-nous-cache-des-choses\/#Comment_decrypter_votre_contrat\" >Comment d\u00e9crypter votre contrat ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rachat2credit.fr\/guide\/les-frais-de-gestion-du-per-pourraient-etre-plus-transparents-selon-certains-epargnants-on-nous-cache-des-choses\/#Limpact_insoupconne_sur_votre_retraite\" >L&rsquo;impact insoup\u00e7onn\u00e9 sur votre retraite<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rachat2credit.fr\/guide\/les-frais-de-gestion-du-per-pourraient-etre-plus-transparents-selon-certains-epargnants-on-nous-cache-des-choses\/#Vers_une_meilleure_information_des_souscripteurs\" >Vers une meilleure information des souscripteurs ?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Un_epargnant_decouvre_des_frais_inattendus_apres_5_ans_de_versements\"><\/span>Un \u00e9pargnant d\u00e9couvre des frais inattendus apr\u00e8s 5 ans de versements<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Thomas, 42 ans, cadre dans l&rsquo;industrie pharmaceutique, pensait avoir fait le choix optimal en souscrivant un Plan d&rsquo;\u00c9pargne Retraite (PER) chez son assureur historique. \u00ab\u00a0J&rsquo;ai r\u00e9alis\u00e9 avec stup\u00e9faction que pr\u00e8s de 18% de mes versements annuels partaient en frais divers. Le conseiller ne m&rsquo;avait jamais clairement expliqu\u00e9 cette r\u00e9partition\u00a0\u00bb, d\u00e9plore-t-il.<\/p>\n<p>Son cas ne serait pas isol\u00e9. Selon une <a href=\"https:\/\/www.economie.gouv.fr\" target=\"_blank\" rel=\"noopener\">\u00e9tude du Minist\u00e8re de l&rsquo;\u00c9conomie<\/a>, seuls 23% des d\u00e9tenteurs de PER comprendraient parfaitement la structure compl\u00e8te des frais appliqu\u00e9s \u00e0 leur contrat.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Les_trois_niveaux_de_frais_qui_pourraient_vous_surprendre\"><\/span>Les trois niveaux de frais qui pourraient vous surprendre<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Les experts identifient g\u00e9n\u00e9ralement trois cat\u00e9gories de frais parfois opaques :<\/p>\n<ul>\n<li>Frais sur versements (jusqu&rsquo;\u00e0 5% du montant d\u00e9pos\u00e9)<\/li>\n<li>Frais de gestion annuels (entre 0,5% et 1,5% du capital)<\/li>\n<li>Frais arbitraires (lors des changements d&rsquo;allocation d&rsquo;actifs)<\/li>\n<\/ul>\n<blockquote><p>\u00ab\u00a0Certains contrats ajouteraient m\u00eame des commissions de performance discr\u00e8tes, pr\u00e9lev\u00e9es lorsque les march\u00e9s sont favorables\u00a0\u00bb, r\u00e9v\u00e8le un gestionnaire de fonds sous couvert d&rsquo;anonymat.<\/p><\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"Comment_decrypter_votre_contrat\"><\/span>Comment d\u00e9crypter votre contrat ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Face \u00e0 cette complexit\u00e9, des solutions existeraient pour mieux appr\u00e9hender les co\u00fbts r\u00e9els :<\/p>\n<ol>\n<li>Exiger la fiche standardis\u00e9e d&rsquo;information (obligatoire depuis 2019)<\/li>\n<li>Comparer syst\u00e9matiquement le taux de frais totaux (TFT)<\/li>\n<li>Privil\u00e9gier les PER assurantiels avec transparence renforc\u00e9e<\/li>\n<\/ol>\n<p>Une r\u00e9cente directive europ\u00e9enne imposerait d&rsquo;ailleurs aux \u00e9tablissements financiers une communication plus claire sur ces aspects. \u00ab\u00a0Nous travaillons \u00e0 simplifier nos documents contractuels\u00a0\u00bb, confirme la direction d&rsquo;un grand groupe d&rsquo;assurance.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Limpact_insoupconne_sur_votre_retraite\"><\/span>L&rsquo;impact insoup\u00e7onn\u00e9 sur votre retraite<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Sur 25 ans, des frais suppl\u00e9mentaires de 0,5% par an pourraient r\u00e9duire votre capital final de pr\u00e8s de 12%. Un \u00e9cart qui prendrait toute son importance au moment de la liquidation.<\/p>\n<p>Marie, 58 ans, en a fait l&rsquo;am\u00e8re exp\u00e9rience : \u00ab\u00a0En comparant avec des coll\u00e8gues, j&rsquo;ai compris que mon PER me co\u00fbtait deux fois plus cher que le leur. \u00c0 performance \u00e9gale, cela repr\u00e9sente des milliers d&rsquo;euros de diff\u00e9rence.\u00a0\u00bb<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Vers_une_meilleure_information_des_souscripteurs\"><\/span>Vers une meilleure information des souscripteurs ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>L&rsquo;Autorit\u00e9 des March\u00e9s Financiers (AMF) aurait intensifi\u00e9 ses contr\u00f4les sur ce sujet sensible. Plusieurs organismes proposent d\u00e9sormais des simulateurs en ligne pour visualiser l&rsquo;effet cumul\u00e9 des frais.<\/p>\n<p>Pour les \u00e9pargnants souhaitant approfondir, le site <a href=\"https:\/\/www.mesquestionsdargent.fr\" target=\"_blank\" rel=\"noopener\">mesquestionsdargent.fr<\/a> met \u00e0 disposition un guide complet sur les frais des produits d&rsquo;\u00e9pargne retraite.<\/p>\n<p>Alors que le PER devient progressivement le produit phare de l&rsquo;\u00e9pargne retraite en France, sa transparence tarifaire appara\u00eet comme un enjeu majeur pour prot\u00e9ger les int\u00e9r\u00eats des \u00e9pargnants et maintenir la confiance dans ce dispositif cl\u00e9.<\/p>\n<\/article>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\"\n    data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;753&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 vote)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;Les frais de gestion du PER pourraient \u00eatre plus transparents selon certains \u00e9pargnants \u201con nous cache des choses\u201d&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            <span class=\"kksr-muted\"><\/span>\n    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Dans un contexte o\u00f9 les \u00e9pargnants fran\u00e7ais sont de plus en plus attentifs \u00e0 leurs placements retraite, une question cruciale \u00e9merge : \u00ab\u00a0Les frais de gestion du PER seraient-ils moins transparents qu&rsquo;on ne le croit ?\u00a0\u00bb Plusieurs t\u00e9moignages et analyses sugg\u00e8rent que certains contrats d&rsquo;\u00e9pargne retraite dissimuleraient des co\u00fbts cach\u00e9s, impactant significativement les rendements \u00e0 &#8230; 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