{"id":773,"date":"2025-08-08T12:46:07","date_gmt":"2025-08-08T10:46:07","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/reforme-des-retraites-ouvrir-un-per-pourrait-vous-faire-economiser-des-milliers-deuros-jai-divise-mes-impots-par-deux\/"},"modified":"2025-08-08T12:46:07","modified_gmt":"2025-08-08T10:46:07","slug":"reforme-des-retraites-ouvrir-un-per-pourrait-vous-faire-economiser-des-milliers-deuros-jai-divise-mes-impots-par-deux","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/reforme-des-retraites-ouvrir-un-per-pourrait-vous-faire-economiser-des-milliers-deuros-jai-divise-mes-impots-par-deux\/","title":{"rendered":"R\u00e9forme des retraites : ouvrir un PER pourrait vous faire \u00e9conomiser des milliers d\u2019euros \u201cj\u2019ai divis\u00e9 mes imp\u00f4ts par deux\u201d"},"content":{"rendered":"<article>\n<p>Alors que la r\u00e9forme des retraites continue de faire d\u00e9bat, une solution d&rsquo;\u00e9pargne individuelle refait surface : le Plan d&rsquo;\u00c9pargne Retraite (PER). Mais est-ce vraiment la solution miracle pour compenser les futurs manques \u00e0 gagner ?<\/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-69f1060c889d6\" 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-69f1060c889d6\" 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\/reforme-des-retraites-ouvrir-un-per-pourrait-vous-faire-economiser-des-milliers-deuros-jai-divise-mes-impots-par-deux\/#%C2%AB_Jai_ouvert_un_PER_par_precaution_mais_je_me_demande_si_cetait_judicieux_%C2%BB\" >\u00ab\u00a0J&rsquo;ai ouvert un PER par pr\u00e9caution, mais je me demande si c&rsquo;\u00e9tait judicieux\u00a0\u00bb<\/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\/reforme-des-retraites-ouvrir-un-per-pourrait-vous-faire-economiser-des-milliers-deuros-jai-divise-mes-impots-par-deux\/#Le_PER_un_outil_fiscal_avantageux%E2%80%A6_sous_conditions\" >Le PER, un outil fiscal avantageux&#8230; sous conditions<\/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\/reforme-des-retraites-ouvrir-un-per-pourrait-vous-faire-economiser-des-milliers-deuros-jai-divise-mes-impots-par-deux\/#Les_pieges_a_eviter_selon_les_experts\" >Les pi\u00e8ges \u00e0 \u00e9viter selon les experts<\/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\/reforme-des-retraites-ouvrir-un-per-pourrait-vous-faire-economiser-des-milliers-deuros-jai-divise-mes-impots-par-deux\/#Alternative_ou_complement_Le_dilemme_des_futurs_retraites\" >Alternative ou compl\u00e9ment ? Le dilemme des futurs retrait\u00e9s<\/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\/reforme-des-retraites-ouvrir-un-per-pourrait-vous-faire-economiser-des-milliers-deuros-jai-divise-mes-impots-par-deux\/#Le_gouvernement_temporise\" >Le gouvernement temporise<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%C2%AB_Jai_ouvert_un_PER_par_precaution_mais_je_me_demande_si_cetait_judicieux_%C2%BB\"><\/span>\u00ab\u00a0J&rsquo;ai ouvert un PER par pr\u00e9caution, mais je me demande si c&rsquo;\u00e9tait judicieux\u00a0\u00bb<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Thomas, 42 ans, cadre dans l&rsquo;informatique, a saut\u00e9 le pas il y a six mois. \u00ab\u00a0Avec tous les d\u00e9bats sur l&rsquo;\u00e2ge de d\u00e9part et les montants des pensions, j&rsquo;ai voulu prendre les devants. Mon conseiller bancaire m&rsquo;a vant\u00e9 les avantages fiscaux, mais maintenant je m&rsquo;interroge sur les frais cach\u00e9s et la flexibilit\u00e9 r\u00e9elle de ce produit.\u00a0\u00bb<\/p>\n<p>Son t\u00e9moignage refl\u00e8te une inqui\u00e9tude grandissante : selon une <a href=\"https:\/\/www.economie.gouv.fr\/particuliers\/epargne-retraite-per\" target=\"_blank\" rel=\"noopener\">\u00e9tude du Minist\u00e8re de l&rsquo;\u00c9conomie<\/a>, les souscriptions aux PER auraient augment\u00e9 de 27% sur le dernier trimestre.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Le_PER_un_outil_fiscal_avantageux%E2%80%A6_sous_conditions\"><\/span>Le PER, un outil fiscal avantageux&#8230; sous conditions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Le principe s\u00e9duirait sur papier : une \u00e9pargne d\u00e9fiscalis\u00e9e (dans la limite de 10% du revenu brut annuel) disponible \u00e0 la retraite. Les versements seraient d\u00e9ductibles des imp\u00f4ts, et les gains exon\u00e9r\u00e9s jusqu&rsquo;au d\u00e9blocage.<\/p>\n<p>Mais attention aux d\u00e9tails qui f\u00e2cheraient :<\/p>\n<ul>\n<li>Les fonds ne pourraient \u00eatre d\u00e9bloqu\u00e9s qu&rsquo;\u00e0 partir de l&rsquo;\u00e2ge l\u00e9gal de d\u00e9part \u00e0 la retraite (sauf cas tr\u00e8s sp\u00e9cifiques)<\/li>\n<li>Les frais de gestion oscilleraient entre 0,5% et 2% selon les contrats<\/li>\n<li>Le capital final serait soumis \u00e0 imposition au moment du retrait<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Les_pieges_a_eviter_selon_les_experts\"><\/span>Les pi\u00e8ges \u00e0 \u00e9viter selon les experts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Marie-Laurence, conseill\u00e8re en gestion de patrimoine, alerte : \u00ab\u00a0Certains contrats incluraient des clauses restrictives sur les supports d&rsquo;investissement ou des p\u00e9nalit\u00e9s en cas de modification des versements. Il serait crucial de comparer les offres et de n\u00e9gocier les frais.\u00a0\u00bb<\/p>\n<p>Elle recommanderait notamment :<\/p>\n<ol>\n<li>De privil\u00e9gier les PER assurantiels pour leur souplesse<\/li>\n<li>De diversifier les supports entre fonds euros et unit\u00e9s de compte<\/li>\n<li>D&rsquo;ajuster les versements en fonction de sa situation fiscale<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"Alternative_ou_complement_Le_dilemme_des_futurs_retraites\"><\/span>Alternative ou compl\u00e9ment ? Le dilemme des futurs retrait\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pour les salari\u00e9s du priv\u00e9, le PER s&rsquo;ajouterait \u00e0 l&rsquo;\u00e9pargne entreprise (PERCO) et \u00e0 la retraite de base. Un empilement qui pourrait devenir complexe \u00e0 g\u00e9rer.<\/p>\n<p>\u00ab\u00a0Je cumule un PER individuel, un PERCO et bient\u00f4t une retraite \u00e0 points&#8230; J&rsquo;ai l&rsquo;impression de devoir devenir expert-comptable pour comprendre ce qui m&rsquo;attend\u00a0\u00bb, s&rsquo;exasp\u00e8re Sandrine, 38 ans.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Le_gouvernement_temporise\"><\/span>Le gouvernement temporise<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Contact\u00e9 par nos soins, le minist\u00e8re des Solidarit\u00e9s rappellerait que \u00ab\u00a0le PER ne doit pas \u00eatre consid\u00e9r\u00e9 comme une solution de remplacement du syst\u00e8me par r\u00e9partition, mais comme un compl\u00e9ment facultatif\u00a0\u00bb. Une position qui ne rassurerait pas totalement les \u00e9pargnants soucieux de leur avenir.<\/p>\n<p>Alors, le PER serait-il le nouveau Graal des futurs retrait\u00e9s ou un leurre fiscal ? La r\u00e9ponse pourrait d\u00e9pendre de votre situation personnelle&#8230; et de votre app\u00e9tence pour les placements bloqu\u00e9s.<\/p>\n<p>En attendant, une chose serait s\u00fbre : avec la r\u00e9forme, l&rsquo;\u00e9pargne retraite individuelle n&rsquo;aurait jamais \u00e9t\u00e9 aussi discut\u00e9e autour des machines \u00e0 caf\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;773&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;R\u00e9forme des retraites : ouvrir un PER pourrait vous faire \u00e9conomiser des milliers d\u2019euros \u201cj\u2019ai divis\u00e9 mes imp\u00f4ts par deux\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>Alors que la r\u00e9forme des retraites continue de faire d\u00e9bat, une solution d&rsquo;\u00e9pargne individuelle refait surface : le Plan d&rsquo;\u00c9pargne Retraite (PER). Mais est-ce vraiment la solution miracle pour compenser les futurs manques \u00e0 gagner ? \u00ab\u00a0J&rsquo;ai ouvert un PER par pr\u00e9caution, mais je me demande si c&rsquo;\u00e9tait judicieux\u00a0\u00bb Thomas, 42 ans, cadre dans l&rsquo;informatique, &#8230; <a title=\"R\u00e9forme des retraites : ouvrir un PER pourrait vous faire \u00e9conomiser des milliers d\u2019euros \u201cj\u2019ai divis\u00e9 mes imp\u00f4ts par deux\u201d\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/reforme-des-retraites-ouvrir-un-per-pourrait-vous-faire-economiser-des-milliers-deuros-jai-divise-mes-impots-par-deux\/\" aria-label=\"En savoir plus sur R\u00e9forme des retraites : ouvrir un PER pourrait vous faire \u00e9conomiser des milliers d\u2019euros \u201cj\u2019ai divis\u00e9 mes imp\u00f4ts par deux\u201d\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":774,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-773","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>R\u00e9forme des retraites : ouvrir un PER pourrait vous faire \u00e9conomiser des milliers d\u2019euros \u201cj\u2019ai divis\u00e9 mes imp\u00f4ts par deux\u201d - Rachat de Cr\u00e9dit<\/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:\/\/rachat2credit.fr\/guide\/reforme-des-retraites-ouvrir-un-per-pourrait-vous-faire-economiser-des-milliers-deuros-jai-divise-mes-impots-par-deux\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"R\u00e9forme des retraites : ouvrir un PER pourrait vous faire \u00e9conomiser des milliers d\u2019euros \u201cj\u2019ai divis\u00e9 mes imp\u00f4ts par deux\u201d - Rachat de Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Alors que la r\u00e9forme des retraites continue de faire d\u00e9bat, une solution d&rsquo;\u00e9pargne individuelle refait surface : le Plan d&rsquo;\u00c9pargne Retraite (PER). Mais est-ce vraiment la solution miracle pour compenser les futurs manques \u00e0 gagner ? \u00ab\u00a0J&rsquo;ai ouvert un PER par pr\u00e9caution, mais je me demande si c&rsquo;\u00e9tait judicieux\u00a0\u00bb Thomas, 42 ans, cadre dans l&rsquo;informatique, ... Lire plus\" \/>\n<meta property=\"og:url\" content=\"https:\/\/rachat2credit.fr\/guide\/reforme-des-retraites-ouvrir-un-per-pourrait-vous-faire-economiser-des-milliers-deuros-jai-divise-mes-impots-par-deux\/\" \/>\n<meta property=\"og:site_name\" content=\"Rachat de Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-08T10:46:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/rachat2credit.fr\/guide\/wp-content\/uploads\/2025\/08\/flux-773-1754649977.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1344\" \/>\n\t<meta property=\"og:image:height\" content=\"768\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Aurelien Boulanger\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Aurelien Boulanger\" \/>\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\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/reforme-des-retraites-ouvrir-un-per-pourrait-vous-faire-economiser-des-milliers-deuros-jai-divise-mes-impots-par-deux\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/reforme-des-retraites-ouvrir-un-per-pourrait-vous-faire-economiser-des-milliers-deuros-jai-divise-mes-impots-par-deux\\\/\"},\"author\":{\"name\":\"Aurelien Boulanger\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/#\\\/schema\\\/person\\\/d4142086d07bc6acdc4722eabd955cc2\"},\"headline\":\"R\u00e9forme des retraites : ouvrir un PER pourrait vous faire \u00e9conomiser des milliers d\u2019euros \u201cj\u2019ai divis\u00e9 mes imp\u00f4ts par deux\u201d\",\"datePublished\":\"2025-08-08T10:46:07+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/reforme-des-retraites-ouvrir-un-per-pourrait-vous-faire-economiser-des-milliers-deuros-jai-divise-mes-impots-par-deux\\\/\"},\"wordCount\":538,\"commentCount\":12,\"publisher\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/reforme-des-retraites-ouvrir-un-per-pourrait-vous-faire-economiser-des-milliers-deuros-jai-divise-mes-impots-par-deux\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/flux-773-1754649977.jpg\",\"articleSection\":[\"A la une\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/reforme-des-retraites-ouvrir-un-per-pourrait-vous-faire-economiser-des-milliers-deuros-jai-divise-mes-impots-par-deux\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/reforme-des-retraites-ouvrir-un-per-pourrait-vous-faire-economiser-des-milliers-deuros-jai-divise-mes-impots-par-deux\\\/\",\"url\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/reforme-des-retraites-ouvrir-un-per-pourrait-vous-faire-economiser-des-milliers-deuros-jai-divise-mes-impots-par-deux\\\/\",\"name\":\"R\u00e9forme des retraites : ouvrir un PER pourrait vous faire \u00e9conomiser des milliers d\u2019euros \u201cj\u2019ai divis\u00e9 mes imp\u00f4ts par deux\u201d - 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