{"id":775,"date":"2025-08-08T14:46:21","date_gmt":"2025-08-08T12:46:21","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/les-avantages-fiscaux-du-pereco-ex-perco-pourraient-etre-revus-a-la-baisse-jai-deja-perdu-30-de-mes-economies-a-cause-des-nouvelles-regles\/"},"modified":"2025-08-08T14:46:21","modified_gmt":"2025-08-08T12:46:21","slug":"les-avantages-fiscaux-du-pereco-ex-perco-pourraient-etre-revus-a-la-baisse-jai-deja-perdu-30-de-mes-economies-a-cause-des-nouvelles-regles","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/les-avantages-fiscaux-du-pereco-ex-perco-pourraient-etre-revus-a-la-baisse-jai-deja-perdu-30-de-mes-economies-a-cause-des-nouvelles-regles\/","title":{"rendered":"Les avantages fiscaux du PERECO (ex-PERCO) pourraient \u00eatre revus \u00e0 la baisse \u201cj\u2019ai d\u00e9j\u00e0 perdu 30 % de mes \u00e9conomies \u00e0 cause des nouvelles r\u00e8gles\u201d"},"content":{"rendered":"<article>\n<p>\u00ab Fiscalit\u00e9 du PERECO : votre \u00e9pargne retraite pourrait-elle \u00eatre moins avantageuse que pr\u00e9vu ? \u00bb<\/p>\n<p>Le PERECO (ex-PERCO), nouveau dispositif d&rsquo;\u00e9pargne retraite, suscite autant d&rsquo;espoirs que d&rsquo;interrogations. Alors que les Fran\u00e7ais cherchent \u00e0 optimiser leur future pension, les r\u00e8gles fiscales de ce produit m\u00e9riteraient un examen approfondi.<\/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-69f106cf0571f\" 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-69f106cf0571f\" 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-avantages-fiscaux-du-pereco-ex-perco-pourraient-etre-revus-a-la-baisse-jai-deja-perdu-30-de-mes-economies-a-cause-des-nouvelles-regles\/#Un_changement_de_nom_qui_cacherait_des_modifications_profondes\" >Un changement de nom qui cacherait des modifications profondes<\/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-avantages-fiscaux-du-pereco-ex-perco-pourraient-etre-revus-a-la-baisse-jai-deja-perdu-30-de-mes-economies-a-cause-des-nouvelles-regles\/#Les_trois_moments_cles_ou_le_fisc_interviendrait\" >Les trois moments cl\u00e9s o\u00f9 le fisc interviendrait<\/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-avantages-fiscaux-du-pereco-ex-perco-pourraient-etre-revus-a-la-baisse-jai-deja-perdu-30-de-mes-economies-a-cause-des-nouvelles-regles\/#Le_temoignage_qui_fait_reflechir\" >Le t\u00e9moignage qui fait r\u00e9fl\u00e9chir<\/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-avantages-fiscaux-du-pereco-ex-perco-pourraient-etre-revus-a-la-baisse-jai-deja-perdu-30-de-mes-economies-a-cause-des-nouvelles-regles\/#Les_3_scenarios_fiscaux_a_anticiper\" >Les 3 sc\u00e9narios fiscaux \u00e0 anticiper<\/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-avantages-fiscaux-du-pereco-ex-perco-pourraient-etre-revus-a-la-baisse-jai-deja-perdu-30-de-mes-economies-a-cause-des-nouvelles-regles\/#Lastuce_meconnue_des_experts\" >L&rsquo;astuce m\u00e9connue des experts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rachat2credit.fr\/guide\/les-avantages-fiscaux-du-pereco-ex-perco-pourraient-etre-revus-a-la-baisse-jai-deja-perdu-30-de-mes-economies-a-cause-des-nouvelles-regles\/#Votre_epargne_est-elle_vraiment_protegee\" >Votre \u00e9pargne est-elle vraiment prot\u00e9g\u00e9e ?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Un_changement_de_nom_qui_cacherait_des_modifications_profondes\"><\/span>Un changement de nom qui cacherait des modifications profondes<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Jean-Luc, 42 ans, cadre dans une PME lyonnaise, pensait ma\u00eetriser les subtilit\u00e9s du PERCO. \u00ab Quand mon entreprise a annonc\u00e9 la migration vers le PERECO, j&rsquo;ai cru \u00e0 une simple formalit\u00e9. Puis j&rsquo;ai d\u00e9couvert les nouvelles conditions fiscales&#8230; \u00bb<\/p>\n<p>Le PERECO (Plan d&rsquo;\u00c9pargne Retraite d&rsquo;Entreprise Collectif) aurait en effet subi des transformations majeures depuis son anc\u00eatre le PERCO. Selon les experts consult\u00e9s, la fiscalit\u00e9 au d\u00e9blocage pourrait \u00eatre moins avantageuse dans certains cas de figure.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Les_trois_moments_cles_ou_le_fisc_interviendrait\"><\/span>Les trois moments cl\u00e9s o\u00f9 le fisc interviendrait<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Contrairement \u00e0 une id\u00e9e re\u00e7ue, la fiscalit\u00e9 du PERECO ne se jouerait pas uniquement au moment du retrait. Trois \u00e9tapes cruciales m\u00e9riteraient attention :<\/p>\n<ul>\n<li><strong>Les versements<\/strong> : Les abondements employeurs resteraient exon\u00e9r\u00e9s de charges sociales dans la limite de 4 292 \u20ac par an (plafond 2025)<\/li>\n<li><strong>La croissance du capital<\/strong> : Les plus-values b\u00e9n\u00e9ficieraient toujours d&rsquo;une exon\u00e9ration d&rsquo;imp\u00f4t sur le revenu<\/li>\n<li><strong>Le d\u00e9blocage<\/strong> : Le v\u00e9ritable changement r\u00e9siderait ici, avec une imposition syst\u00e9matique en cas de retrait avant la retraite<\/li>\n<\/ul>\n<p>Le <a href=\"https:\/\/www.legifrance.gouv.fr\/\" target=\"_blank\" rel=\"noopener\">site officiel de la l\u00e9gislation fran\u00e7aise<\/a> confirme ces dispositions, tout en pr\u00e9cisant les exceptions possibles.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Le_temoignage_qui_fait_reflechir\"><\/span>Le t\u00e9moignage qui fait r\u00e9fl\u00e9chir<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00ab J&rsquo;ai perdu pr\u00e8s de 30% de mon \u00e9pargne \u00e0 cause d&rsquo;un retrait anticip\u00e9 \u00bb, confie Am\u00e9lie, 38 ans, contrainte de puiser dans son PERECO apr\u00e8s un licenciement. Son histoire illustrerait les pi\u00e8ges \u00e0 \u00e9viter :<\/p>\n<blockquote><p>\n    \u00ab\u00a0Je croyais pouvoir retirer librement comme avec mon ancien PERCO. Erreur : entre l&rsquo;imp\u00f4t et les pr\u00e9l\u00e8vements sociaux, la facture a \u00e9t\u00e9 sal\u00e9e. Personne ne m&rsquo;avait pr\u00e9venue.\u00a0\u00bb\n  <\/p><\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"Les_3_scenarios_fiscaux_a_anticiper\"><\/span>Les 3 sc\u00e9narios fiscaux \u00e0 anticiper<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>D&rsquo;apr\u00e8s nos recherches, le traitement fiscal diff\u00e9rerait radicalement selon la situation :<\/p>\n<ol>\n<li><strong>Retrait avant la retraite<\/strong> : Imposition au bar\u00e8me progressif + 17,2% de pr\u00e9l\u00e8vements sociaux<\/li>\n<li><strong>Sortie en rente<\/strong> : Seule la part de rente correspondant aux versements employeurs serait imposable<\/li>\n<li><strong>Rachat apr\u00e8s 5 ans de retraite<\/strong> : Possibilit\u00e9 d&rsquo;opter pour un pr\u00e9l\u00e8vement forfaitaire unique de 7,5%<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"Lastuce_meconnue_des_experts\"><\/span>L&rsquo;astuce m\u00e9connue des experts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Certains conseillers en gestion de patrimoine sugg\u00e9reraient une strat\u00e9gie peu connue : le report de la fiscalit\u00e9 gr\u00e2ce au transfert vers un PER individuel. Cette man\u0153uvre, strictement encadr\u00e9e, permettrait de diff\u00e9rer l&rsquo;imp\u00f4t tout en conservant les avantages sociaux.<\/p>\n<p>\u00ab Beaucoup de salari\u00e9s ignorent qu&rsquo;ils peuvent transf\u00e9rer leur PERECO vers un PER sans d\u00e9clencher la fiscalit\u00e9 \u00bb, explique Marc Dublanc, expert-comptable. \u00ab Cela ouvre des possibilit\u00e9s int\u00e9ressantes pour qui sait anticiper. \u00bb<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Votre_epargne_est-elle_vraiment_protegee\"><\/span>Votre \u00e9pargne est-elle vraiment prot\u00e9g\u00e9e ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Derri\u00e8re les aspects fiscaux se cacherait une question plus fondamentale : le PERECO repr\u00e9senterait-il toujours le meilleur v\u00e9hicule pour pr\u00e9parer sa retraite ? Face \u00e0 la complexit\u00e9 croissante des r\u00e8gles, certains salari\u00e9s envisageraient d\u00e9sormais des solutions alternatives comme le PER ou l&rsquo;assurance-vie.<\/p>\n<p>Une chose semble certaine : dans le paysage mouvant de l&rsquo;\u00e9pargne retraite, la vigilance fiscale serait plus que jamais de mise. Et vous, connaissiez-vous tous les impacts fiscaux de votre PERECO ?<\/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;775&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 avantages fiscaux du PERECO (ex-PERCO) pourraient \u00eatre revus \u00e0 la baisse \u201cj\u2019ai d\u00e9j\u00e0 perdu 30 % de mes \u00e9conomies \u00e0 cause des nouvelles r\u00e8gles\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>\u00ab Fiscalit\u00e9 du PERECO : votre \u00e9pargne retraite pourrait-elle \u00eatre moins avantageuse que pr\u00e9vu ? \u00bb Le PERECO (ex-PERCO), nouveau dispositif d&rsquo;\u00e9pargne retraite, suscite autant d&rsquo;espoirs que d&rsquo;interrogations. Alors que les Fran\u00e7ais cherchent \u00e0 optimiser leur future pension, les r\u00e8gles fiscales de ce produit m\u00e9riteraient un examen approfondi. Un changement de nom qui cacherait des &#8230; <a title=\"Les avantages fiscaux du PERECO (ex-PERCO) pourraient \u00eatre revus \u00e0 la baisse \u201cj\u2019ai d\u00e9j\u00e0 perdu 30 % de mes \u00e9conomies \u00e0 cause des nouvelles r\u00e8gles\u201d\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/les-avantages-fiscaux-du-pereco-ex-perco-pourraient-etre-revus-a-la-baisse-jai-deja-perdu-30-de-mes-economies-a-cause-des-nouvelles-regles\/\" aria-label=\"En savoir plus sur Les avantages fiscaux du PERECO (ex-PERCO) pourraient \u00eatre revus \u00e0 la baisse \u201cj\u2019ai d\u00e9j\u00e0 perdu 30 % de mes \u00e9conomies \u00e0 cause des nouvelles r\u00e8gles\u201d\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":776,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-775","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>Les avantages fiscaux du PERECO (ex-PERCO) pourraient \u00eatre revus \u00e0 la baisse \u201cj\u2019ai d\u00e9j\u00e0 perdu 30 % de mes \u00e9conomies \u00e0 cause des nouvelles r\u00e8gles\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\/les-avantages-fiscaux-du-pereco-ex-perco-pourraient-etre-revus-a-la-baisse-jai-deja-perdu-30-de-mes-economies-a-cause-des-nouvelles-regles\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les avantages fiscaux du PERECO (ex-PERCO) pourraient \u00eatre revus \u00e0 la baisse \u201cj\u2019ai d\u00e9j\u00e0 perdu 30 % de mes \u00e9conomies \u00e0 cause des nouvelles r\u00e8gles\u201d - Rachat de Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"\u00ab Fiscalit\u00e9 du PERECO : votre \u00e9pargne retraite pourrait-elle \u00eatre moins avantageuse que pr\u00e9vu ? \u00bb Le PERECO (ex-PERCO), nouveau dispositif d&rsquo;\u00e9pargne retraite, suscite autant d&rsquo;espoirs que d&rsquo;interrogations. Alors que les Fran\u00e7ais cherchent \u00e0 optimiser leur future pension, les r\u00e8gles fiscales de ce produit m\u00e9riteraient un examen approfondi. Un changement de nom qui cacherait des ... 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