{"id":824,"date":"2025-08-12T08:46:15","date_gmt":"2025-08-12T06:46:15","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/le-succes-du-per-serait-confirme-par-bercy-selon-un-expert-les-chiffres-depassent-toutes-nos-previsions\/"},"modified":"2025-08-12T08:46:15","modified_gmt":"2025-08-12T06:46:15","slug":"le-succes-du-per-serait-confirme-par-bercy-selon-un-expert-les-chiffres-depassent-toutes-nos-previsions","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/le-succes-du-per-serait-confirme-par-bercy-selon-un-expert-les-chiffres-depassent-toutes-nos-previsions\/","title":{"rendered":"Le succ\u00e8s du PER serait confirm\u00e9 par Bercy selon un expert \u201cles chiffres d\u00e9passent toutes nos pr\u00e9visions\u201d"},"content":{"rendered":"<article>\n<p>Le Plan d&rsquo;\u00c9pargne Retraite (PER) serait-il en train de s\u00e9duire massivement les Fran\u00e7ais ? Une r\u00e9cente communication de Bercy semble confirmer cette tendance, r\u00e9v\u00e9lant une adoption bien plus rapide que pr\u00e9vu de ce dispositif fiscalement avantageux.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 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-6a2f9f52a3fce\" 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-6a2f9f52a3fce\" 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\/le-succes-du-per-serait-confirme-par-bercy-selon-un-expert-les-chiffres-depassent-toutes-nos-previsions\/#Un_engouement_qui_depasse_les_previsions\" >Un engouement qui d\u00e9passe les pr\u00e9visions<\/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\/le-succes-du-per-serait-confirme-par-bercy-selon-un-expert-les-chiffres-depassent-toutes-nos-previsions\/#Le_cocktail_gagnant_fiscalite_et_flexibilite\" >Le cocktail gagnant : fiscalit\u00e9 et flexibilit\u00e9<\/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\/le-succes-du-per-serait-confirme-par-bercy-selon-un-expert-les-chiffres-depassent-toutes-nos-previsions\/#Les_temoignages_qui_parlent\" >Les t\u00e9moignages qui parlent<\/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\/le-succes-du-per-serait-confirme-par-bercy-selon-un-expert-les-chiffres-depassent-toutes-nos-previsions\/#Les_points_de_vigilance\" >Les points de vigilance<\/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\/le-succes-du-per-serait-confirme-par-bercy-selon-un-expert-les-chiffres-depassent-toutes-nos-previsions\/#Vers_un_nouveau_pilier_de_lepargne_retraite\" >Vers un nouveau pilier de l&rsquo;\u00e9pargne retraite ?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Un_engouement_qui_depasse_les_previsions\"><\/span>Un engouement qui d\u00e9passe les pr\u00e9visions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Selon des chiffres provisoires du minist\u00e8re de l&rsquo;\u00c9conomie, plus de 2 millions de PER auraient \u00e9t\u00e9 souscrits depuis son lancement en 2019. \u00ab\u00a0Nous observons une acc\u00e9l\u00e9ration notable depuis 2023, avec pr\u00e8s de 500 000 ouvertures sur les six derniers mois\u00a0\u00bb, aurait confi\u00e9 une source proche du cabinet de Bruno Le Maire.<\/p>\n<blockquote><p>\u00ab\u00a0J&rsquo;ai opt\u00e9 pour un PER apr\u00e8s avoir calcul\u00e9 l&rsquo;\u00e9conomie d&rsquo;imp\u00f4t : c&rsquo;est une aubaine pour pr\u00e9parer ma retraite tout en r\u00e9duit mes imp\u00f4ts imm\u00e9diatement\u00a0\u00bb<\/p><\/blockquote>\n<p>Marc, 42 ans, consultant en informatique \u00e0 Lyon, fait partie de ces convertis. Comme lui, de nombreux Fran\u00e7ais semblent s\u00e9duits par ce produit hybride combinant \u00e9pargne long terme et optimisation fiscale.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Le_cocktail_gagnant_fiscalite_et_flexibilite\"><\/span>Le cocktail gagnant : fiscalit\u00e9 et flexibilit\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Plusieurs \u00e9l\u00e9ments expliqueraient ce succ\u00e8s inattendu :<\/p>\n<ul>\n<li>La d\u00e9duction fiscale imm\u00e9diate des versements (plafonn\u00e9e \u00e0 10% des revenus professionnels)<\/li>\n<li>La possibilit\u00e9 de d\u00e9blocage anticip\u00e9 dans 8 cas pr\u00e9cis (achat r\u00e9sidence principale, surendettement&#8230;)<\/li>\n<li>La portabilit\u00e9 entre employeurs<\/li>\n<\/ul>\n<p>D&rsquo;apr\u00e8s une <a href=\"https:\/\/www.economie.gouv.fr\/particuliers\/epargne-retraite-per\" target=\"_blank\" rel=\"noopener\">note du minist\u00e8re<\/a>, les versements moyens s&rsquo;\u00e9l\u00e8veraient \u00e0 3 200\u20ac par an, montant qui permettrait \u00e0 un contribuable impos\u00e9 \u00e0 30% d&rsquo;\u00e9conomiser pr\u00e8s de 1 000\u20ac d&rsquo;imp\u00f4t annuel.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Les_temoignages_qui_parlent\"><\/span>Les t\u00e9moignages qui parlent<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Sophie, 38 ans, entrepreneuse dans le e-commerce, raconte : \u00ab\u00a0Mon expert-comptable m&rsquo;a conseill\u00e9 le PER pour lisser mes revenus variables. J&rsquo;ai vers\u00e9 15 000\u20ac l&rsquo;an dernier lors d&rsquo;une bonne ann\u00e9e, ce qui m&rsquo;a fait \u00e9conomiser 4 500\u20ac d&rsquo;imp\u00f4ts. Cet argent reste disponible si j&rsquo;en ai vraiment besoin.\u00a0\u00bb<\/p>\n<p>Un argument qui fait mouche aupr\u00e8s des travailleurs ind\u00e9pendants, particuli\u00e8rement repr\u00e9sent\u00e9s parmi les souscripteurs selon les donn\u00e9es sectorielles.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Les_points_de_vigilance\"><\/span>Les points de vigilance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Malgr\u00e9 cet engouement, certains experts mettraient en garde contre :<\/p>\n<ul>\n<li>Les frais parfois \u00e9lev\u00e9s selon les contrats<\/li>\n<li>La fiscalit\u00e9 au d\u00e9blocage (progressivit\u00e9 selon l&rsquo;\u00e2ge de retrait)<\/li>\n<li>La performance variable des supports en fonds euros<\/li>\n<\/ul>\n<p>\u00ab\u00a0Il faut comparer les offres et bien comprendre le m\u00e9canisme fiscal\u00a0\u00bb, conseillerait Marie Lambert, conseill\u00e8re en gestion de patrimoine. \u00ab\u00a0Le PER n&rsquo;est pas adapt\u00e9 \u00e0 tous les profils.\u00a0\u00bb<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Vers_un_nouveau_pilier_de_lepargne_retraite\"><\/span>Vers un nouveau pilier de l&rsquo;\u00e9pargne retraite ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Avec ces chiffres encourageants, le PER pourrait s&rsquo;imposer comme le troisi\u00e8me pilier de la retraite en France, apr\u00e8s le syst\u00e8me par r\u00e9partition et l&rsquo;\u00e9pargne collective obligatoire. Bercy envisagerait m\u00eame de nouvelles mesures incitatives pour les moins de 30 ans, selon nos informations.<\/p>\n<p>Une tendance \u00e0 suivre donc, alors que les Fran\u00e7ais semblent prendre conscience de l&rsquo;importance de compl\u00e9ter leur future retraite. Et vous, avez-vous d\u00e9j\u00e0 saut\u00e9 le pas ?<\/p>\n<p><strong>Pour aller plus loin :<\/strong> D\u00e9couvrez <a href=\"#\">notre comparatif des meilleurs PER 2024<\/a> et <a href=\"#\">notre simulateur d&rsquo;\u00e9conomies d&rsquo;imp\u00f4t<\/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;824&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;Le succ\u00e8s du PER serait confirm\u00e9 par Bercy selon un expert \u201cles chiffres d\u00e9passent toutes nos pr\u00e9visions\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>Le Plan d&rsquo;\u00c9pargne Retraite (PER) serait-il en train de s\u00e9duire massivement les Fran\u00e7ais ? Une r\u00e9cente communication de Bercy semble confirmer cette tendance, r\u00e9v\u00e9lant une adoption bien plus rapide que pr\u00e9vu de ce dispositif fiscalement avantageux. Un engouement qui d\u00e9passe les pr\u00e9visions Selon des chiffres provisoires du minist\u00e8re de l&rsquo;\u00c9conomie, plus de 2 millions de &#8230; <a title=\"Le succ\u00e8s du PER serait confirm\u00e9 par Bercy selon un expert \u201cles chiffres d\u00e9passent toutes nos pr\u00e9visions\u201d\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/le-succes-du-per-serait-confirme-par-bercy-selon-un-expert-les-chiffres-depassent-toutes-nos-previsions\/\" aria-label=\"En savoir plus sur Le succ\u00e8s du PER serait confirm\u00e9 par Bercy selon un expert \u201cles chiffres d\u00e9passent toutes nos pr\u00e9visions\u201d\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":825,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-824","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 v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le succ\u00e8s du PER serait confirm\u00e9 par Bercy selon un expert \u201cles chiffres d\u00e9passent toutes nos pr\u00e9visions\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\/le-succes-du-per-serait-confirme-par-bercy-selon-un-expert-les-chiffres-depassent-toutes-nos-previsions\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le succ\u00e8s du PER serait confirm\u00e9 par Bercy selon un expert \u201cles chiffres d\u00e9passent toutes nos pr\u00e9visions\u201d - Rachat de Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Le Plan d&rsquo;\u00c9pargne Retraite (PER) serait-il en train de s\u00e9duire massivement les Fran\u00e7ais ? Une r\u00e9cente communication de Bercy semble confirmer cette tendance, r\u00e9v\u00e9lant une adoption bien plus rapide que pr\u00e9vu de ce dispositif fiscalement avantageux. Un engouement qui d\u00e9passe les pr\u00e9visions Selon des chiffres provisoires du minist\u00e8re de l&rsquo;\u00c9conomie, plus de 2 millions de ... 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