{"id":826,"date":"2025-08-12T10:46:16","date_gmt":"2025-08-12T08:46:16","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/les-per-verts-et-responsables-pourraient-revolutionner-lepargne-retraite-cest-lavenir-de-la-finance-durable\/"},"modified":"2025-08-12T10:46:16","modified_gmt":"2025-08-12T08:46:16","slug":"les-per-verts-et-responsables-pourraient-revolutionner-lepargne-retraite-cest-lavenir-de-la-finance-durable","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/les-per-verts-et-responsables-pourraient-revolutionner-lepargne-retraite-cest-lavenir-de-la-finance-durable\/","title":{"rendered":"Les PER verts et responsables pourraient r\u00e9volutionner l\u2019\u00e9pargne retraite \u201cc\u2019est l\u2019avenir de la finance durable\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-69f10519bed3c\" 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-69f10519bed3c\" 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-per-verts-et-responsables-pourraient-revolutionner-lepargne-retraite-cest-lavenir-de-la-finance-durable\/#Les_PER_verts_pourraient-ils_revolutionner_lepargne_retraite_des_Francais\" >Les PER verts pourraient-ils r\u00e9volutionner l&rsquo;\u00e9pargne retraite des Fran\u00e7ais ?<\/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\/les-per-verts-et-responsables-pourraient-revolutionner-lepargne-retraite-cest-lavenir-de-la-finance-durable\/#Une_reponse_aux_attentes_des_epargnants_responsables\" >Une r\u00e9ponse aux attentes des \u00e9pargnants responsables<\/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\/les-per-verts-et-responsables-pourraient-revolutionner-lepargne-retraite-cest-lavenir-de-la-finance-durable\/#Comment_fonctionnent_ces_PER_nouvelle_generation\" >Comment fonctionnent ces PER nouvelle g\u00e9n\u00e9ration ?<\/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\/les-per-verts-et-responsables-pourraient-revolutionner-lepargne-retraite-cest-lavenir-de-la-finance-durable\/#Temoignage_un_retraite_convaincu\" >T\u00e9moignage : un retrait\u00e9 convaincu<\/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\/les-per-verts-et-responsables-pourraient-revolutionner-lepargne-retraite-cest-lavenir-de-la-finance-durable\/#Les_defis_a_relever\" >Les d\u00e9fis \u00e0 relever<\/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\/les-per-verts-et-responsables-pourraient-revolutionner-lepargne-retraite-cest-lavenir-de-la-finance-durable\/#Vers_une_generalisation_des_PER_verts\" >Vers une g\u00e9n\u00e9ralisation des PER verts ?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Les_PER_verts_pourraient-ils_revolutionner_lepargne_retraite_des_Francais\"><\/span>Les PER verts pourraient-ils r\u00e9volutionner l&rsquo;\u00e9pargne retraite des Fran\u00e7ais ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Alors que la finance durable gagne du terrain, les Plans d&rsquo;\u00c9pargne Retraite (PER) \u00ab\u00a0verts\u00a0\u00bb suscitent un engouement croissant. Ces produits d&rsquo;\u00e9pargne int\u00e9grant des crit\u00e8res ESG (Environnementaux, Sociaux et de Gouvernance) repr\u00e9senteraient d\u00e9j\u00e0 15% des souscriptions selon une r\u00e9cente \u00e9tude de l&rsquo;AMF.<\/p>\n<div class=\"testimonial\">\n<blockquote><p>\u00ab\u00a0J&rsquo;ai opt\u00e9 pour un PER vert apr\u00e8s avoir pris conscience de l&rsquo;impact climatique de mon \u00e9pargne. Savoir que mon argent finance des projets utiles me motive \u00e0 \u00e9pargner davantage\u00a0\u00bb<\/p><\/blockquote>\n<p>    <cite>\u00c9lodie, 38 ans, consultante en d\u00e9veloppement durable<\/cite>\n  <\/div>\n<h3><span class=\"ez-toc-section\" id=\"Une_reponse_aux_attentes_des_epargnants_responsables\"><\/span>Une r\u00e9ponse aux attentes des \u00e9pargnants responsables<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Les PER verts r\u00e9pondraient \u00e0 une demande croissante des Fran\u00e7ais souhaitant concilier performance financi\u00e8re et impact positif. Selon une <a href=\"https:\/\/www.ecologie.gouv.fr\" target=\"_blank\" rel=\"noopener\">\u00e9tude du Minist\u00e8re de la Transition \u00c9cologique<\/a>, 62% des \u00e9pargnants se d\u00e9clareraient pr\u00eats \u00e0 choisir un produit financier align\u00e9 sur leurs valeurs \u00e9cologiques.<\/p>\n<p>Ces produits pourraient pr\u00e9senter plusieurs avantages :<\/p>\n<ul>\n<li>Financement de projets durables (\u00e9nergies renouvelables, r\u00e9novation thermique&#8230;)<\/li>\n<li>Transparence accrue sur l&rsquo;utilisation des fonds<\/li>\n<li>Potentiel de performance \u00e0 long terme selon certains experts<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Comment_fonctionnent_ces_PER_nouvelle_generation\"><\/span>Comment fonctionnent ces PER nouvelle g\u00e9n\u00e9ration ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Contrairement aux PER classiques, les versions \u00ab\u00a0vertes\u00a0\u00bb imposeraient des crit\u00e8res stricts de s\u00e9lection des investissements. Les fonds seraient principalement orient\u00e9s vers :<\/p>\n<div class=\"highlight-box\">\n<p>\u2022 Entreprises \u00e0 faible empreinte carbone<br \/>\n    \u2022 Obligations vertes labellis\u00e9es<br \/>\n    \u2022 Fonds immobiliers basse consommation<br \/>\n    \u2022 Projets d&rsquo;\u00e9conomie circulaire<\/p>\n<\/p><\/div>\n<p>N\u00e9anmoins, les performances pass\u00e9es ne pr\u00e9jugeraient pas des r\u00e9sultats futurs, et certains analystes mettraient en garde contre le \u00ab\u00a0greenwashing\u00a0\u00bb.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Temoignage_un_retraite_convaincu\"><\/span>T\u00e9moignage : un retrait\u00e9 convaincu<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"testimonial\">\n<blockquote><p>\u00ab\u00a0Apr\u00e8s 30 ans dans l&rsquo;industrie p\u00e9troli\u00e8re, j&rsquo;ai voulu donner du sens \u00e0 mon \u00e9pargne retraite. Mon PER vert me permet de soutenir la transition \u00e9nerg\u00e9tique tout en pr\u00e9parant sereinement mes vieux jours\u00a0\u00bb<\/p><\/blockquote>\n<p>    <cite>Pierre, 63 ans, ancien ing\u00e9nieur<\/cite>\n  <\/div>\n<h3><span class=\"ez-toc-section\" id=\"Les_defis_a_relever\"><\/span>Les d\u00e9fis \u00e0 relever<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Malgr\u00e9 leur croissance, les PER responsables feraient face \u00e0 plusieurs obstacles :<\/p>\n<ul>\n<li>Manque d&rsquo;harmonisation des labels et certifications<\/li>\n<li>Frais de gestion parfois plus \u00e9lev\u00e9s<\/li>\n<li>Offre encore limit\u00e9e chez certains assureurs<\/li>\n<\/ul>\n<p>Le gouvernement travaillerait actuellement sur un cadre r\u00e9glementaire plus strict pour encadrer ces produits, comme le confirme un <a href=\"https:\/\/www.economie.gouv.fr\" target=\"_blank\" rel=\"noopener\">rapport r\u00e9cent de Bercy<\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Vers_une_generalisation_des_PER_verts\"><\/span>Vers une g\u00e9n\u00e9ralisation des PER verts ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Certains experts pr\u00e9disent que ces produits pourraient repr\u00e9senter 30% du march\u00e9 d&rsquo;ici 2028. Une tendance qui s&rsquo;inscrirait dans la mont\u00e9e en puissance de l&rsquo;<strong>investissement socialement responsable<\/strong> (ISR) en Europe.<\/p>\n<div class=\"call-to-action\">\n<p>Vous souhaitez en savoir plus sur l&rsquo;\u00e9pargne responsable ? D\u00e9couvrez notre guide complet sur <a href=\"#\">les placements durables<\/a> et comment ils pourraient transformer votre approche de l&rsquo;\u00e9pargne long terme.<\/p>\n<\/p><\/div>\n<p>Alors que les questions climatiques prennent une place croissante dans les pr\u00e9occupations des Fran\u00e7ais, les PER verts semblent r\u00e9pondre \u00e0 une attente forte : pr\u00e9parer sa retraite tout en participant \u00e0 la construction d&rsquo;une \u00e9conomie plus durable. Reste \u00e0 voir si cette tendance se confirmera dans les ann\u00e9es \u00e0 venir.<\/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;826&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 PER verts et responsables pourraient r\u00e9volutionner l\u2019\u00e9pargne retraite \u201cc\u2019est l\u2019avenir de la finance durable\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>Les PER verts pourraient-ils r\u00e9volutionner l&rsquo;\u00e9pargne retraite des Fran\u00e7ais ? Alors que la finance durable gagne du terrain, les Plans d&rsquo;\u00c9pargne Retraite (PER) \u00ab\u00a0verts\u00a0\u00bb suscitent un engouement croissant. Ces produits d&rsquo;\u00e9pargne int\u00e9grant des crit\u00e8res ESG (Environnementaux, Sociaux et de Gouvernance) repr\u00e9senteraient d\u00e9j\u00e0 15% des souscriptions selon une r\u00e9cente \u00e9tude de l&rsquo;AMF. \u00ab\u00a0J&rsquo;ai opt\u00e9 pour un &#8230; <a title=\"Les PER verts et responsables pourraient r\u00e9volutionner l\u2019\u00e9pargne retraite \u201cc\u2019est l\u2019avenir de la finance durable\u201d\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/les-per-verts-et-responsables-pourraient-revolutionner-lepargne-retraite-cest-lavenir-de-la-finance-durable\/\" aria-label=\"En savoir plus sur Les PER verts et responsables pourraient r\u00e9volutionner l\u2019\u00e9pargne retraite \u201cc\u2019est l\u2019avenir de la finance durable\u201d\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":827,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-826","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 PER verts et responsables pourraient r\u00e9volutionner l\u2019\u00e9pargne retraite \u201cc\u2019est l\u2019avenir de la finance durable\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-per-verts-et-responsables-pourraient-revolutionner-lepargne-retraite-cest-lavenir-de-la-finance-durable\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les PER verts et responsables pourraient r\u00e9volutionner l\u2019\u00e9pargne retraite \u201cc\u2019est l\u2019avenir de la finance durable\u201d - Rachat de Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"Les PER verts pourraient-ils r\u00e9volutionner l&rsquo;\u00e9pargne retraite des Fran\u00e7ais ? Alors que la finance durable gagne du terrain, les Plans d&rsquo;\u00c9pargne Retraite (PER) \u00ab\u00a0verts\u00a0\u00bb suscitent un engouement croissant. Ces produits d&rsquo;\u00e9pargne int\u00e9grant des crit\u00e8res ESG (Environnementaux, Sociaux et de Gouvernance) repr\u00e9senteraient d\u00e9j\u00e0 15% des souscriptions selon une r\u00e9cente \u00e9tude de l&rsquo;AMF. \u00ab\u00a0J&rsquo;ai opt\u00e9 pour un ... 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