{"id":798,"date":"2025-08-10T10:46:28","date_gmt":"2025-08-10T08:46:28","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/plan-epargne-retraite-per-ou-assurance-vie-pourrait-vous-faire-gagner-des-milliers-deuros-jai-optimise-mes-placements-et-ca-a-change-ma-vie\/"},"modified":"2025-08-10T10:46:28","modified_gmt":"2025-08-10T08:46:28","slug":"plan-epargne-retraite-per-ou-assurance-vie-pourrait-vous-faire-gagner-des-milliers-deuros-jai-optimise-mes-placements-et-ca-a-change-ma-vie","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/plan-epargne-retraite-per-ou-assurance-vie-pourrait-vous-faire-gagner-des-milliers-deuros-jai-optimise-mes-placements-et-ca-a-change-ma-vie\/","title":{"rendered":"Plan \u00e9pargne retraite PER ou assurance vie pourrait vous faire gagner des milliers d\u2019euros \u201cj\u2019ai optimis\u00e9 mes placements et \u00e7a a chang\u00e9 ma vie\u201d"},"content":{"rendered":"<p>\u00ab\u00a0`html<\/p>\n<p>\u00ab&nbsp;J\u2019ai choisi le PER plut\u00f4t que l\u2019assurance vie pour pr\u00e9parer ma retraite, et voici pourquoi&nbsp;\u00bb \u2013 Un investisseur t\u00e9moigne<\/p>\n<p>Alors que les Fran\u00e7ais cherchent des solutions pour s\u00e9curiser leur retraite, deux produits phares s\u2019affrontent&nbsp;: le Plan \u00c9pargne Retraite (PER) et l\u2019assurance vie. Mais lequel choisir&nbsp;? Les avis divergent, et les strat\u00e9gies d\u00e9pendent souvent des profils. Rencontre avec Thomas, 42 ans, qui a tranch\u00e9 apr\u00e8s des mois de r\u00e9flexion.<\/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-69f106d41b7cd\" 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-69f106d41b7cd\" 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\/plan-epargne-retraite-per-ou-assurance-vie-pourrait-vous-faire-gagner-des-milliers-deuros-jai-optimise-mes-placements-et-ca-a-change-ma-vie\/#Le_dilemme_PER_vs_assurance_vie_un_casse-tete_pour_les_epargnants\" >Le dilemme PER vs assurance vie&nbsp;: un casse-t\u00eate pour les \u00e9pargnants<\/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\/plan-epargne-retraite-per-ou-assurance-vie-pourrait-vous-faire-gagner-des-milliers-deuros-jai-optimise-mes-placements-et-ca-a-change-ma-vie\/#Le_PER_un_outil_taille_pour_la_retraite\" >Le PER, un outil taill\u00e9 pour la retraite&nbsp;?<\/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\/plan-epargne-retraite-per-ou-assurance-vie-pourrait-vous-faire-gagner-des-milliers-deuros-jai-optimise-mes-placements-et-ca-a-change-ma-vie\/#Lassurance_vie_la_reine_de_la_liquidite\" >L\u2019assurance vie, la reine de la liquidit\u00e9<\/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\/plan-epargne-retraite-per-ou-assurance-vie-pourrait-vous-faire-gagner-des-milliers-deuros-jai-optimise-mes-placements-et-ca-a-change-ma-vie\/#Fiscalite_le_match_des_sorties\" >Fiscalit\u00e9&nbsp;: le match des sorties<\/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\/plan-epargne-retraite-per-ou-assurance-vie-pourrait-vous-faire-gagner-des-milliers-deuros-jai-optimise-mes-placements-et-ca-a-change-ma-vie\/#Transmission_lassurance_vie_garde_lavantage\" >Transmission&nbsp;: l\u2019assurance vie garde l\u2019avantage<\/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\/plan-epargne-retraite-per-ou-assurance-vie-pourrait-vous-faire-gagner-des-milliers-deuros-jai-optimise-mes-placements-et-ca-a-change-ma-vie\/#Que_choisir_alors\" >Que choisir alors&nbsp;?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Le_dilemme_PER_vs_assurance_vie_un_casse-tete_pour_les_epargnants\"><\/span>Le dilemme PER vs assurance vie&nbsp;: un casse-t\u00eate pour les \u00e9pargnants<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00ab&nbsp;Je voulais un placement \u00e0 la fois souple et performant, mais surtout adapt\u00e9 \u00e0 mon horizon de retraite dans 20 ans&nbsp;\u00bb, explique Thomas, cadre dans l\u2019informatique. Comme lui, des milliers d\u2019investisseurs pourraient h\u00e9siter entre ces deux enveloppes fiscales aux atouts distincts.<\/p>\n<p>Selon une <a href=\"https:\/\/www.economie.gouv.fr\/\" target=\"_blank\" rel=\"noopener\">\u00e9tude du minist\u00e8re de l\u2019\u00c9conomie<\/a>, le PER aurait s\u00e9duit pr\u00e8s de 2 millions de souscripteurs depuis sa refonte en 2020. Pourtant, l\u2019assurance vie reste le placement pr\u00e9f\u00e9r\u00e9 des Fran\u00e7ais, avec 1 800 milliards d\u2019euros d\u2019encours. Alors, comment choisir&nbsp;?<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Le_PER_un_outil_taille_pour_la_retraite\"><\/span>Le PER, un outil taill\u00e9 pour la retraite&nbsp;?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u00ab&nbsp;Ce qui m\u2019a convaincu, c\u2019est la r\u00e9duction d\u2019imp\u00f4t imm\u00e9diate&nbsp;\u00bb, confie Thomas. Effectivement, les versements sur un PER individuel pourraient \u00eatre d\u00e9duits du revenu imposable, dans certaines limites. Un argument choc pour les contribuables \u00e0 la tranche marginale \u00e9lev\u00e9e.<\/p>\n<p>Mais attention&nbsp;: l\u2019argent est bloqu\u00e9 jusqu\u2019\u00e0 la retraite, sauf cas exceptionnels. \u00ab&nbsp;C\u2019est justement ce qui me motive \u00e0 ne pas toucher \u00e0 cette \u00e9pargne&nbsp;\u00bb, ajoute Thomas. Contrairement \u00e0 l\u2019assurance vie, le PER permettrait une sortie en capital ou en rente, avec une fiscalit\u00e9 avantageuse \u00e0 l\u2019heure de la retraite.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Lassurance_vie_la_reine_de_la_liquidite\"><\/span>L\u2019assurance vie, la reine de la liquidit\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>De son c\u00f4t\u00e9, l\u2019assurance vie offrirait une flexibilit\u00e9 incomparable. \u00ab&nbsp;J\u2019ai gard\u00e9 une petite assurance vie pour les projets \u00e0 moyen terme&nbsp;\u00bb, pr\u00e9cise Thomas. Les fonds euros s\u00e9curis\u00e9s et la possibilit\u00e9 de retraits partiels (au-del\u00e0 de 8 ans) en feraient un produit compl\u00e9mentaire plut\u00f4t qu\u2019un concurrent direct du PER.<\/p>\n<p>Un expert fiscal interrog\u00e9 sugg\u00e8rerait m\u00eame une strat\u00e9gie mixte&nbsp;: \u00ab&nbsp;Utiliser le PER pour la d\u00e9fiscalisation et constituer un capital retraite, tout en maintenant une assurance vie pour sa liquidit\u00e9 et sa transmission successorale.&nbsp;\u00bb Une piste que Thomas aurait s\u00e9rieusement envisag\u00e9e.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Fiscalite_le_match_des_sorties\"><\/span>Fiscalit\u00e9&nbsp;: le match des sorties<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>La grande diff\u00e9rence r\u00e9siderait dans la fiscalit\u00e9 au d\u00e9nouement&nbsp;:<\/p>\n<ul>\n<li><strong>PER<\/strong>&nbsp;: imposition \u00e0 l\u2019IR lors des retraits (sauf sortie en rente)<\/li>\n<li><strong>Assurance vie<\/strong>&nbsp;: imposition sp\u00e9cifique avec abattement apr\u00e8s 8 ans<\/li>\n<\/ul>\n<p>\u00ab&nbsp;Je mise sur une retraite \u00e0 taux marginal plus faible, donc l\u2019imposition du PER me p\u00e9naliserait moins&nbsp;\u00bb, calcule Thomas. Une analyse qui ne vaudrait pas pour tous les profils, notamment les futurs retrait\u00e9s disposant d\u00e9j\u00e0 de revenus importants.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Transmission_lassurance_vie_garde_lavantage\"><\/span>Transmission&nbsp;: l\u2019assurance vie garde l\u2019avantage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Sur un point, l\u2019assurance vie resterait imbattable&nbsp;: la transmission du patrimoine. Les sommes vers\u00e9es avant 70 ans b\u00e9n\u00e9ficieraient d\u2019un abattement de 152 500\u20ac par b\u00e9n\u00e9ficiaire. \u00ab&nbsp;C\u2019est pour \u00e7a que je n\u2019ai pas tout bascul\u00e9 vers le PER&nbsp;\u00bb, reconna\u00eet Thomas.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Que_choisir_alors\"><\/span>Que choisir alors&nbsp;?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>La r\u00e9ponse d\u00e9pendrait de plusieurs facteurs&nbsp;:<\/p>\n<ul>\n<li>Votre horizon de placement<\/li>\n<li>Votre besoin de liquidit\u00e9<\/li>\n<li>Votre situation fiscale actuelle et future<\/li>\n<li>Vos objectifs successoraux<\/li>\n<\/ul>\n<p>\u00ab&nbsp;Dans mon cas, le PER correspondait mieux \u00e0 ma priorit\u00e9&nbsp;: constituer un compl\u00e9ment de retraite tout en r\u00e9duisant mes imp\u00f4ts aujourd\u2019hui&nbsp;\u00bb, conclut Thomas. Mais il insiste&nbsp;: \u00ab&nbsp;Il n\u2019y a pas de bonne r\u00e9ponse universelle, seulement des solutions adapt\u00e9es \u00e0 chaque situation.&nbsp;\u00bb<\/p>\n<p>Une consultation avec un conseiller financier pourrait s\u2019av\u00e9rer pr\u00e9cieuse pour faire le point sur ces options complexes. Car comme le rappelle Thomas&nbsp;: \u00ab&nbsp;Quand il s\u2019agit de pr\u00e9parer 20 ou 30 ans de retraite, mieux vaut ne pas se tromper de strat\u00e9gie.&nbsp;\u00bb<\/p>\n<p>\u00ab\u00a0`<\/p>\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;798&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;Plan \u00e9pargne retraite PER ou assurance vie pourrait vous faire gagner des milliers d\u2019euros \u201cj\u2019ai optimis\u00e9 mes placements et \u00e7a a chang\u00e9 ma vie\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\u00a0`html \u00ab&nbsp;J\u2019ai choisi le PER plut\u00f4t que l\u2019assurance vie pour pr\u00e9parer ma retraite, et voici pourquoi&nbsp;\u00bb \u2013 Un investisseur t\u00e9moigne Alors que les Fran\u00e7ais cherchent des solutions pour s\u00e9curiser leur retraite, deux produits phares s\u2019affrontent&nbsp;: le Plan \u00c9pargne Retraite (PER) et l\u2019assurance vie. Mais lequel choisir&nbsp;? Les avis divergent, et les strat\u00e9gies d\u00e9pendent souvent des &#8230; <a title=\"Plan \u00e9pargne retraite PER ou assurance vie pourrait vous faire gagner des milliers d\u2019euros \u201cj\u2019ai optimis\u00e9 mes placements et \u00e7a a chang\u00e9 ma vie\u201d\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/plan-epargne-retraite-per-ou-assurance-vie-pourrait-vous-faire-gagner-des-milliers-deuros-jai-optimise-mes-placements-et-ca-a-change-ma-vie\/\" aria-label=\"En savoir plus sur Plan \u00e9pargne retraite PER ou assurance vie pourrait vous faire gagner des milliers d\u2019euros \u201cj\u2019ai optimis\u00e9 mes placements et \u00e7a a chang\u00e9 ma vie\u201d\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":799,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-798","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>Plan \u00e9pargne retraite PER ou assurance vie pourrait vous faire gagner des milliers d\u2019euros \u201cj\u2019ai optimis\u00e9 mes placements et \u00e7a a chang\u00e9 ma vie\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\/plan-epargne-retraite-per-ou-assurance-vie-pourrait-vous-faire-gagner-des-milliers-deuros-jai-optimise-mes-placements-et-ca-a-change-ma-vie\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Plan \u00e9pargne retraite PER ou assurance vie pourrait vous faire gagner des milliers d\u2019euros \u201cj\u2019ai optimis\u00e9 mes placements et \u00e7a a chang\u00e9 ma vie\u201d - Rachat de Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"\u00ab\u00a0`html \u00ab&nbsp;J\u2019ai choisi le PER plut\u00f4t que l\u2019assurance vie pour pr\u00e9parer ma retraite, et voici pourquoi&nbsp;\u00bb \u2013 Un investisseur t\u00e9moigne Alors que les Fran\u00e7ais cherchent des solutions pour s\u00e9curiser leur retraite, deux produits phares s\u2019affrontent&nbsp;: le Plan \u00c9pargne Retraite (PER) et l\u2019assurance vie. 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