{"id":779,"date":"2025-08-09T06:46:06","date_gmt":"2025-08-09T04:46:06","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/ce-transfert-de-plan-epargne-retraite-pourrait-vous-couter-des-milliers-deuros-jai-perdu-40-de-mes-economies-a-cause-des-frais-caches\/"},"modified":"2025-08-09T06:46:06","modified_gmt":"2025-08-09T04:46:06","slug":"ce-transfert-de-plan-epargne-retraite-pourrait-vous-couter-des-milliers-deuros-jai-perdu-40-de-mes-economies-a-cause-des-frais-caches","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/ce-transfert-de-plan-epargne-retraite-pourrait-vous-couter-des-milliers-deuros-jai-perdu-40-de-mes-economies-a-cause-des-frais-caches\/","title":{"rendered":"Ce transfert de plan \u00e9pargne retraite pourrait vous co\u00fbter des milliers d\u2019euros \u201cj\u2019ai perdu 40 % de mes \u00e9conomies \u00e0 cause des frais cach\u00e9s\u201d"},"content":{"rendered":"<article>\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-69f1050c1dd5d\" 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-69f1050c1dd5d\" 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\/ce-transfert-de-plan-epargne-retraite-pourrait-vous-couter-des-milliers-deuros-jai-perdu-40-de-mes-economies-a-cause-des-frais-caches\/#%C2%AB_Transferer_son_plan_epargne_retraite_pourrait_vous_faire_economiser_des_milliers_deuros_voici_pourquoi_%C2%BB\" >\u00ab\u00a0Transf\u00e9rer son plan \u00e9pargne retraite pourrait vous faire \u00e9conomiser des milliers d&rsquo;euros : voici pourquoi\u00a0\u00bb<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rachat2credit.fr\/guide\/ce-transfert-de-plan-epargne-retraite-pourrait-vous-couter-des-milliers-deuros-jai-perdu-40-de-mes-economies-a-cause-des-frais-caches\/#Le_cas_edifiant_de_Thomas_42_ans\" >Le cas \u00e9difiant de Thomas, 42 ans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rachat2credit.fr\/guide\/ce-transfert-de-plan-epargne-retraite-pourrait-vous-couter-des-milliers-deuros-jai-perdu-40-de-mes-economies-a-cause-des-frais-caches\/#Pourquoi_transferer_son_PER\" >Pourquoi transf\u00e9rer son PER ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rachat2credit.fr\/guide\/ce-transfert-de-plan-epargne-retraite-pourrait-vous-couter-des-milliers-deuros-jai-perdu-40-de-mes-economies-a-cause-des-frais-caches\/#Les_pieges_a_eviter_absolument\" >Les pi\u00e8ges \u00e0 \u00e9viter absolument<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rachat2credit.fr\/guide\/ce-transfert-de-plan-epargne-retraite-pourrait-vous-couter-des-milliers-deuros-jai-perdu-40-de-mes-economies-a-cause-des-frais-caches\/#La_procedure_pas_a_pas\" >La proc\u00e9dure pas \u00e0 pas<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rachat2credit.fr\/guide\/ce-transfert-de-plan-epargne-retraite-pourrait-vous-couter-des-milliers-deuros-jai-perdu-40-de-mes-economies-a-cause-des-frais-caches\/#Lastuce_meconnue_des_fiscalistes\" >L&rsquo;astuce m\u00e9connue des fiscalistes<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rachat2credit.fr\/guide\/ce-transfert-de-plan-epargne-retraite-pourrait-vous-couter-des-milliers-deuros-jai-perdu-40-de-mes-economies-a-cause-des-frais-caches\/#Quand_le_transfert_devient_urgent\" >Quand le transfert devient urgent<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rachat2credit.fr\/guide\/ce-transfert-de-plan-epargne-retraite-pourrait-vous-couter-des-milliers-deuros-jai-perdu-40-de-mes-economies-a-cause-des-frais-caches\/#Et_vous_avez-vous_pense_a_auditer_votre_PER\" >Et vous, avez-vous pens\u00e9 \u00e0 auditer votre PER ?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%C2%AB_Transferer_son_plan_epargne_retraite_pourrait_vous_faire_economiser_des_milliers_deuros_voici_pourquoi_%C2%BB\"><\/span>\u00ab\u00a0Transf\u00e9rer son plan \u00e9pargne retraite pourrait vous faire \u00e9conomiser des milliers d&rsquo;euros : voici pourquoi\u00a0\u00bb<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Dans un contexte o\u00f9 les Fran\u00e7ais changent en moyenne 12 fois d&#8217;employeur au cours de leur carri\u00e8re*, le transfert de plan \u00e9pargne retraite (PER) devient une question cruciale. Pourtant, pr\u00e8s de 68% des \u00e9pargnants ignoreraient les opportunit\u00e9s offertes par cette d\u00e9marche.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Le_cas_edifiant_de_Thomas_42_ans\"><\/span>Le cas \u00e9difiant de Thomas, 42 ans<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Thomas, cadre dans l&rsquo;industrie pharmaceutique, a d\u00e9couvert par hasard les avantages du transfert : \u00ab\u00a0Apr\u00e8s 3 changements d&rsquo;entreprise, j&rsquo;avais accumul\u00e9 4 PER diff\u00e9rents avec des frais de gestion exorbitants. En les regroupant, j&rsquo;ai r\u00e9duit mes frais annuels de 2,3% \u00e0 0,6%.\u00a0\u00bb<\/p>\n<p>Son conseiller financier lui aurait calcul\u00e9 qu&rsquo;\u00e0 horizon de sa retraite, cette simple op\u00e9ration pourrait lui faire gagner pr\u00e8s de 47 000\u20ac. \u00ab\u00a0Je regrette de ne pas l&rsquo;avoir fait plus t\u00f4t\u00a0\u00bb, confie-t-il.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pourquoi_transferer_son_PER\"><\/span>Pourquoi transf\u00e9rer son PER ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Les experts identifient plusieurs raisons qui pourraient justifier un transfert :<\/p>\n<ul>\n<li>R\u00e9duction des frais de gestion (certains PER afficheraient des frais jusqu&rsquo;\u00e0 3 fois sup\u00e9rieurs \u00e0 la moyenne)<\/li>\n<li>Acc\u00e8s \u00e0 une gamme plus large de supports d&rsquo;investissement<\/li>\n<li>Simplification de la gestion patrimoniale<\/li>\n<li>Possibilit\u00e9 de b\u00e9n\u00e9ficier de services compl\u00e9mentaires (conseil, accompagnement)<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Les_pieges_a_eviter_absolument\"><\/span>Les pi\u00e8ges \u00e0 \u00e9viter absolument<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Attention cependant : le transfert ne serait pas toujours avantageux. Certains contrats anciens pourraient comporter des garanties devenues rares aujourd&rsquo;hui (taux minimum garanti, options de sortie avantageuses).<\/p>\n<p>\u00ab\u00a0J&rsquo;ai failli perdre une clause de sortie \u00e0 55 ans sans p\u00e9nalit\u00e9s en voulant tout transf\u00e9rer\u00a0\u00bb, t\u00e9moigne Sophie, 38 ans. \u00ab\u00a0Heureusement, mon notaire m&rsquo;a alert\u00e9e \u00e0 temps.\u00a0\u00bb<\/p>\n<h3><span class=\"ez-toc-section\" id=\"La_procedure_pas_a_pas\"><\/span>La proc\u00e9dure pas \u00e0 pas<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>D&rsquo;apr\u00e8s le <a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F2105\" target=\"_blank\" rel=\"noopener\">site officiel du service public<\/a>, le transfert s&rsquo;effectuerait en 4 \u00e9tapes :<\/p>\n<ol>\n<li>Demande de rachat aupr\u00e8s de l&rsquo;ancien PER<\/li>\n<li>Ouverture d&rsquo;un nouveau PER si n\u00e9cessaire<\/li>\n<li>Demande de versement sur le nouveau PER<\/li>\n<li>Transmission des justificatifs fiscaux<\/li>\n<\/ol>\n<p>Le d\u00e9lai moyen serait de 6 \u00e0 8 semaines, mais pourrait varier selon les organismes.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Lastuce_meconnue_des_fiscalistes\"><\/span>L&rsquo;astuce m\u00e9connue des fiscalistes<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Certains conseillers en gestion de patrimoine recommanderaient une strat\u00e9gie subtile : \u00ab\u00a0Plut\u00f4t que de transf\u00e9rer l&rsquo;int\u00e9gralit\u00e9 du PER, il peut \u00eatre int\u00e9ressant de ne transf\u00e9rer que les versements volontaires, tout en laissant les versements obligatoires sur l&rsquo;ancien contrat\u00a0\u00bb, explique Ma\u00eetre Durand, notaire sp\u00e9cialis\u00e9.<\/p>\n<p>Cette approche permettrait selon lui de b\u00e9n\u00e9ficier des avantages des deux contrats tout en optimisant la fiscalit\u00e9 future.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Quand_le_transfert_devient_urgent\"><\/span>Quand le transfert devient urgent<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Trois situations o\u00f9 les experts sugg\u00e8rent d&rsquo;envisager un transfert sans tarder :<\/p>\n<ul>\n<li>En cas de frais de gestion sup\u00e9rieurs \u00e0 1,5%<\/li>\n<li>Si l&rsquo;organisme propose moins de 10 supports d&rsquo;investissement<\/li>\n<li>Lorsque le PER ne permet pas de faire des arbitrages en ligne<\/li>\n<\/ul>\n<p>Le cas de Marc illustre bien ce dernier point : \u00ab\u00a0Mon ancien PER imposait un courrier recommand\u00e9 pour chaque arbitrage. Maintenant, je g\u00e8re tout en quelques clics.\u00a0\u00bb<\/p>\n<p>*Source : <a href=\"https:\/\/dares.travail-emploi.gouv.fr\/\" target=\"_blank\" rel=\"noopener\">DARES 2023<\/a><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Et_vous_avez-vous_pense_a_auditer_votre_PER\"><\/span>Et vous, avez-vous pens\u00e9 \u00e0 auditer votre PER ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Alors que l&rsquo;\u00e2ge l\u00e9gal de la retraite continue de faire d\u00e9bat, optimiser son \u00e9pargne retraite devient plus crucial que jamais. Peut-\u00eatre est-il temps de vous poser la question : votre PER actuel travaille-t-il vraiment pour vous ?<\/p>\n<p>Pour approfondir le sujet, d\u00e9couvrez notre enqu\u00eate exclusive sur <a href=\"#\">les 5 erreurs qui plombent votre \u00e9pargne retraite<\/a>.<\/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;779&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;Ce transfert de plan \u00e9pargne retraite pourrait vous co\u00fbter des milliers d\u2019euros \u201cj\u2019ai perdu 40 % de mes \u00e9conomies \u00e0 cause des frais cach\u00e9s\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\u00a0Transf\u00e9rer son plan \u00e9pargne retraite pourrait vous faire \u00e9conomiser des milliers d&rsquo;euros : voici pourquoi\u00a0\u00bb Dans un contexte o\u00f9 les Fran\u00e7ais changent en moyenne 12 fois d&#8217;employeur au cours de leur carri\u00e8re*, le transfert de plan \u00e9pargne retraite (PER) devient une question cruciale. Pourtant, pr\u00e8s de 68% des \u00e9pargnants ignoreraient les opportunit\u00e9s offertes par cette &#8230; <a title=\"Ce transfert de plan \u00e9pargne retraite pourrait vous co\u00fbter des milliers d\u2019euros \u201cj\u2019ai perdu 40 % de mes \u00e9conomies \u00e0 cause des frais cach\u00e9s\u201d\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/ce-transfert-de-plan-epargne-retraite-pourrait-vous-couter-des-milliers-deuros-jai-perdu-40-de-mes-economies-a-cause-des-frais-caches\/\" aria-label=\"En savoir plus sur Ce transfert de plan \u00e9pargne retraite pourrait vous co\u00fbter des milliers d\u2019euros \u201cj\u2019ai perdu 40 % de mes \u00e9conomies \u00e0 cause des frais cach\u00e9s\u201d\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":780,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-779","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>Ce transfert de plan \u00e9pargne retraite pourrait vous co\u00fbter des milliers d\u2019euros \u201cj\u2019ai perdu 40 % de mes \u00e9conomies \u00e0 cause des frais cach\u00e9s\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\/ce-transfert-de-plan-epargne-retraite-pourrait-vous-couter-des-milliers-deuros-jai-perdu-40-de-mes-economies-a-cause-des-frais-caches\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ce transfert de plan \u00e9pargne retraite pourrait vous co\u00fbter des milliers d\u2019euros \u201cj\u2019ai perdu 40 % de mes \u00e9conomies \u00e0 cause des frais cach\u00e9s\u201d - Rachat de Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"\u00ab\u00a0Transf\u00e9rer son plan \u00e9pargne retraite pourrait vous faire \u00e9conomiser des milliers d&rsquo;euros : voici pourquoi\u00a0\u00bb Dans un contexte o\u00f9 les Fran\u00e7ais changent en moyenne 12 fois d&#8217;employeur au cours de leur carri\u00e8re*, le transfert de plan \u00e9pargne retraite (PER) devient une question cruciale. Pourtant, pr\u00e8s de 68% des \u00e9pargnants ignoreraient les opportunit\u00e9s offertes par cette ... 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