{"id":7447,"date":"2022-10-28T16:39:33","date_gmt":"2022-10-28T14:39:33","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/entreprise\/?p=7447"},"modified":"2023-01-30T17:22:56","modified_gmt":"2023-01-30T15:22:56","slug":"le-plan-epargne-retraite-per","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/entreprise\/le-plan-epargne-retraite-per\/","title":{"rendered":"Le Plan Epargne Retraite (PER)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Mis en place par la loi Pacte, le Plan d\u2019Epargne Retraite (PER) est commercialis\u00e9 depuis octobre 2019. Il remplace progressivement les plans d\u2019\u00e9pargne retraite (PERCO, Contrat Madelin, Contrat article 83) qui ne sont plus distribu\u00e9s depuis octobre 2020.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pourquoi mettre en place un plan \u00e9pargne retraite dans votre entreprise ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le PER permet aux membres d\u2019une entreprise, salari\u00e9s et dirigeants non-salari\u00e9s, de se constituer une \u00e9pargne en vue de leur retraite. Les versements effectu\u00e9s dans le PER b\u00e9n\u00e9ficient d\u2019avantages fiscaux et sociaux.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En entreprise, le PER se d\u00e9cline sous trois formes :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>deux PER pour les entreprises avec au moins un salari\u00e9 : le PER collectif (succ\u00e8de au PERCO), et le PER d'entreprise obligatoire (succ\u00e8de au contrat article 83).<\/li><li>un PER individuel pour les non-salari\u00e9s qui remplace les contrats Madelin. <\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sur ces PER, il est possible de transf\u00e9rer l'\u00e9pargne accumul\u00e9e sur les anciens plans d\u00e9j\u00e0 ouverts. Un PER interentreprises peut \u00eatre aussi mis en place.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quels sont les avantages du PER ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par rapport aux anciens et nombreux produits d\u2019\u00e9pargne retraite, le PER pr\u00e9sente de multiples avantages pour vos salari\u00e9s. Il permet de :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>transf\u00e9rer facilement leurs droits d'un produit \u00e0 l'autre,<\/li><li>retirer \u00e0 tout moment l'\u00e9pargne volontaire et salariale pour l'achat d'une r\u00e9sidence principale,<\/li><li>liquider l'\u00e9pargne volontaire au d\u00e9part \u00e0 la retraite (en rente, en capital, ou partiellement en capital et en rente),<\/li><li>b\u00e9n\u00e9ficier d'un r\u00e9gime fiscal plus avantageux et harmonis\u00e9 entre les diff\u00e9rents types de PER.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comment transformer vos plans actuels en PER ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous avez mis en place un PERCO au sein de votre entreprise, vous devrez :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>consulter le Conseil social et \u00e9conomique (CSE) de votre entreprise pour proc\u00e9der \u00e0 la transformation, si le PERCO est d\u00e9j\u00e0 compatible avec certaines conditions pr\u00e9vues dans la loi Pacte (fonds solidaire, prise en charge des frais de tenue compte de l\u2019entreprise\u2026)<\/li><li>dans le cas contraire, vous devrez \u00e9tablir un avenant au r\u00e8glement du plan. <\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si votre entreprise dispose d\u2019un contrat article 83, vous pouvez d\u00e9cider, en accord avec les partenaires sociaux, de proc\u00e9der \u00e0 un transfert collectif du contrat. L\u2019article 83 est alors transform\u00e9 en PER obligatoire. Tous vos salari\u00e9s ou ex-salari\u00e9s b\u00e9n\u00e9ficient du transfert.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour aller plus loin : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Site internet Economie.gouv : <a rel=\"noreferrer noopener\" href=\"https:\/\/www.economie.gouv.fr\/PER-epargne-retraite\" target=\"_blank\">Le nouveau Plan Epargne Retraite<\/a> et <a rel=\"noreferrer noopener\" href=\"https:\/\/www.economie.gouv.fr\/faq\/PER-epargne-retraite-entreprises\" target=\"_blank\">sa FAQ<\/a><\/li><li>Pour informer vos salari\u00e9s : <a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-per-dentreprise-collectif\/\" target=\"_blank\">Le PER d'entreprise collectif<\/a><\/li><\/ul>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h2 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h2>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div class=\"carousel\" data-wp-interactive=\"fbf\/carousel\" data-wp-context=\"{&quot;perView&quot;:4,&quot;perViewTablet&quot;:2,&quot;perViewMobile&quot;:1,&quot;scroll&quot;:1,&quot;loop&quot;:true}\" data-wp-init=\"callbacks.init\"><div class=\"carousel__cards cards\" data-carousel-track><div class=\"carousel__item\"><article class=\"card card--white\" 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class=\"card__title_span\">Le Plan Epargne Retraite individuel ou PERin<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Mis en place par la loi Pacte, le Plan d\u2019Epargne Retraite (PER) est commercialis\u00e9 depuis octobre 2019. Il remplace progressivement les plans d\u2019\u00e9pargne retraite (PERCO, Contrat Madelin, Contrat article 83) qui ne sont plus distribu\u00e9s depuis octobre 2020. Pourquoi mettre en place un plan \u00e9pargne retraite dans votre entreprise ? Le PER permet aux membres [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":9881,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":13,"views":3668,"viewed_at":"1778478355","newsletter":"1","_yoast_wpseo_primary_category":103,"footnotes":""},"categories":[219,102,103],"tags":[],"class_list":["post-7447","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actus","category-gestion-de-tresorerie","category-lepargne-retraite"],"yoast_head":"<title>Le Plan Epargne Retraite (PER) - L&#039;\u00e9pargne retraite - Les cl\u00e9s de la banque - Entreprise<\/title>\n<meta name=\"description\" content=\"Le Plan d\u2019Epargne Retraite (PER) commercialis\u00e9 depuis octobre 2019 remplace progressivement les autres plans d\u2019\u00e9pargne retraite.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/le-plan-epargne-retraite-per\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le Plan Epargne Retraite (PER) - 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