{"id":11043,"date":"2022-02-01T11:30:59","date_gmt":"2022-02-01T09:30:59","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/?p=11043"},"modified":"2025-12-08T17:06:35","modified_gmt":"2025-12-08T15:06:35","slug":"per-individuel-perin","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/per-individuel-perin\/","title":{"rendered":"Le PER ou plan \u00e9pargne retraite individuel (PERIN)"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\"><strong>Ce produit succ\u00e8de au PERP et au contrat Madelin qui ont cess\u00e9 d'\u00eatre commercialis\u00e9s depuis le 1er octobre 2020. <strong>Vou<\/strong>s pouvez transf\u00e9rer votre \u00e9pargne accumul\u00e9e sur le PERP et le Madelin sur le PER individuel. Ouvert \u00e0 tous, le PER individuel peut \u00eatre souscrit aupr\u00e8s de l'\u00e9tablissement financier ou de l'organisme d'assurance de votre choix.  Les sommes vers\u00e9es y sont en principe bloqu\u00e9es jusqu'au d\u00e9part \u00e0 la retraite, sauf cas de d\u00e9blocage anticip\u00e9. Vous mettez ainsi de l'argent de c\u00f4t\u00e9 pendant toute votre vie active (\u00e9pargne de long terme) et vous obtenez un capital ou une rente \u00e0 l'\u00e2ge de la retraite.<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Comment ouvrir un PER individuel ? <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>PER<\/strong> est ouvert \u00e0 tous, sans condition li\u00e9e \u00e0 la situation professionnelle (demandeur d'emploi, salari\u00e9, travailleur non salari\u00e9) ou \u00e0 l'\u00e2ge. Pour souscrire :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>soit vous ouvrez un <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-compte-titres\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>compte titres<\/strong><\/a> (aupr\u00e8s d'un \u00e9tablissement de cr\u00e9dit, entreprise d'investissement, conseiller en investissement financier) ; en cas de d\u00e9c\u00e8s il rentrera dans la succession<\/li><li>soit vous adh\u00e9rez \u00e0 un contrat d'assurance de groupe sur la vie (aupr\u00e8s d'une entreprises d'assurance, une mutuelle ou une institution de pr\u00e9voyance), en cas de d\u00e9c\u00e8s, les sommes seront revers\u00e9es au(x) b\u00e9n\u00e9ficiaire(s).<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A l'ouverture du PER, vous recevez une information sur les caract\u00e9ristiques du plan, son mode de gestion et sa fiscalit\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment r\u00e9aliser des versements sur un PER individuel ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez alimenter votre <strong>PER individuel<\/strong> avec :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>des <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/epargne-salariale-pourquoi-faire-des-versements-volontaires\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>versements volontaires<\/strong><\/a>,<\/li><li>le transfert, depuis votre <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-per-dentreprise-collectif\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>PER d'entreprise<\/strong><\/a> si vous en avez un, de :<ul><li>tout ou partie des primes d'<a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/linteressement\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>int\u00e9ressement<\/strong><\/a> vers\u00e9es par votre entreprise,<\/li><li>tout ou partie des sommes issues de la <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/la-participation\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>participation<\/strong><\/a>,<\/li><li>des droits inscrits sur votre <strong>compte \u00e9pargne temps (CET)<\/strong>,<\/li><li>en l'absence de CET, les sommes correspondant \u00e0 des jours de repos non pris, dans la limite de 10 jours par an.<\/li><\/ul><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Un fonctionnement en gestion pilot\u00e9e<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sauf si vous sp\u00e9cifiez autre chose, la gestion des sommes vers\u00e9es sur le <strong>PER individuel<\/strong> suit le principe de la gestion pilot\u00e9e.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>tant que le d\u00e9part en retraite est lointain, l'\u00e9pargne peut \u00eatre investie sur des actifs risqu\u00e9s et plus r\u00e9mun\u00e9rateurs,<\/li><li>\u00e0 mesure que se l'approche de l'\u00e2ge de la retraite, les sommes sont progressivement revers\u00e9es sur des supports moins risqu\u00e9s.<\/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<h3 class=\"wp-block-heading\">Une information r\u00e9guli\u00e8re<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Chaque ann\u00e9e, le gestionnaire vous informe :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>de l'\u00e9volution de l'\u00e9pargne,<\/li><li>de la performance financi\u00e8re des investissements,<\/li><li>du montant des frais pr\u00e9lev\u00e9s,<\/li><li>et des conditions de transfert du plan.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">5 ans avant l'\u00e2ge de votre d\u00e9part \u00e0 la retraite, vous pourrez interroger le gestionnaire du PER sur les possibilit\u00e9s de sortie en fonction de votre situation.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\">A noter : un tableau standard regroupant les frais par cat\u00e9gorie (frais annuels de gestion, frais ponctuels d'op\u00e9ration) est en ligne, \u00e0 compter du 1<sup>er<\/sup>&nbsp;juin, sur le site de chaque producteur de PER ou d\u2019<strong>assurance vie<\/strong>. Le total des frais support\u00e9 par chaque unit\u00e9 de compte ou chaque actif sera d\u00e9sormais affich\u00e9, d\u00e8s le 1<sup>er<\/sup>&nbsp;juillet 2022 en mati\u00e8re d\u2019information pr\u00e9contractuelle et \u00e0 partir de 2023 pour l\u2019information annuelle (engagement du 2 f\u00e9vrier 2022 des professionnels \u00e0 renforcer la transparence des frais du PER et de l\u2019assurance vie).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment d\u00e9bloquer son \u00e9pargne sur un PER individuel ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>A l'\u00e2ge de la retraite<\/strong> et si vous n'avez pas opt\u00e9 au pr\u00e9alable pour la rente viag\u00e8re, vous pouvez demander que l'\u00e9pargne de votre <strong>PER individuel<\/strong> soit vers\u00e9e au choix :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>en capital (\u00e9ventuellement vers\u00e9 en plusieurs fois)<\/li><li>en rente, avec une option de r\u00e9version de cette rente au profit d'un b\u00e9n\u00e9ficiaire en cas de d\u00e9c\u00e8s<\/li><li>partiellement en capital et en rente<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Avant l'\u00e2ge de la retraite,<\/strong> il existe plusieurs cas o\u00f9 il est possible de r\u00e9cup\u00e9rer votre \u00e9pargne, notamment :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>votre invalidit\u00e9, ou celle de vos enfants, de votre \u00e9poux(se) ou partenaire de Pacs<\/li><li>d\u00e9c\u00e8s de votre \u00e9poux(se) ou partenaire de Pacs<\/li><li>expiration de vos droits \u00e0 l'assurance ch\u00f4mage<\/li><li>surendettement (et c'est la commission de surendettement qui \u00e9crira \u00e0 l'organisme gestionnaire du PER pour demander le d\u00e9blocage)<\/li><li>cessation d'activit\u00e9 non salari\u00e9e \u00e0 la suite d'un jugement de liquidation judiciaire<\/li><li>acquisition de votre r\u00e9sidence principale (sauf les droits issus de versements obligatoires transf\u00e9r\u00e9s sur le plan)<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pour <strong>demander le d\u00e9blocage anticip\u00e9 de votre PER<\/strong>, adressez un courrier, de pr\u00e9f\u00e9rence en recommand\u00e9, \u00e0 l'organisme gestionnaire, avec&nbsp;:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>un justificatif d'identit\u00e9<\/li><li>votre relev\u00e9 d'identit\u00e9 bancaire (compte sur lequel vous souhaitez obtenir le versement)<\/li><li>un justificatif de la situation de d\u00e9blocage anticip\u00e9 que vous invoquez<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelle fiscalit\u00e9 pour les sommes vers\u00e9es ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pourrez d\u00e9duire de votre revenu imposable de l'ann\u00e9e les versements effectu\u00e9s cette ann\u00e9e-l\u00e0 sur votre <strong>PER individuel<\/strong>, dans la limite d'un plafond de :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>10 % des revenus professionnels de 2021, nets de cotisations sociale et de frais professionnels, avec une d\u00e9duction maximale de 32 909 euros,<\/li><li>ou 4 114 euros, si ce montant est plus \u00e9lev\u00e9.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous \u00eates travailleur ind\u00e9pendant, ces plafonds se r\u00e9f\u00e9rent \u00e0 vos b\u00e9n\u00e9fices imposables et sont augment\u00e9s de 15% du b\u00e9n\u00e9fice imposable, compris entre&nbsp;41&nbsp;136&nbsp;\u20ac&nbsp;et&nbsp;329&nbsp;088&nbsp;\u20ac <\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\">A noter : Si vous ne d\u00e9duisez pas vos versements r\u00e9guliers, c'est \u00e0 la sortie que vous b\u00e9n\u00e9ficierez d'un r\u00e9gime fiscal int\u00e9ressant : seules les plus-values seront impos\u00e9es.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quelle fiscalit\u00e9 pour les sommes r\u00e9cup\u00e9r\u00e9es ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La fiscalit\u00e9 est diff\u00e9rente selon que les sommes sont r\u00e9cup\u00e9r\u00e9es en rente ou en capital.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La rente sera soumise \u00e0 :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li> l'imp\u00f4t sur les revenus et aux pr\u00e9l\u00e8vements sociaux au taux de&nbsp;17,2&nbsp;% si vous avez d\u00e9duit les versements annuels sur votre PER de votre revenu imposable :<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>aux pr\u00e9l\u00e8vements sociaux au taux de&nbsp;17,2&nbsp;%&nbsp;apr\u00e8s un abattement calcul\u00e9 selon votre \u00e2ge, pour la part des versements annuels sur votre PER que vous n'avez pas d\u00e9duite de votre revenu imposable.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pour une sortie en capital,<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>la partie correspondant aux versements volontaires est uniquement impos\u00e9e au&nbsp;bar\u00e8me progressif de l'imp\u00f4t sur le revenu, sauf si vous n'aviez pas d\u00e9duit ces versements annuels de votre revenu imposable, dans ce cas ils sont exon\u00e9r\u00e9s.<\/li><li>les int\u00e9r\u00eats g\u00e9n\u00e9r\u00e9s par le contrat subissent un pr\u00e9l\u00e8vement forfaitaire de&nbsp;30&nbsp;% (= 12,8&nbsp;%&nbsp;pour l'imp\u00f4t sur le revenu + 17,2&nbsp;%&nbsp;pour les pr\u00e9l\u00e8vements sociaux). Si c'est plus avantageux pour vous, vous pouvez opter pour l'application du bar\u00e8me progressif de l'imp\u00f4t sur le revenu.&nbsp;<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Que faire de ces anciens contrats ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez transf\u00e9rer sur un PER individuel tous les anciens contrats de retraite du type PERCO, PERP, contrat Madelin, Pr\u00e9fon et article 83\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si les sommes proviennent d'un Perp, les taux des pr\u00e9l\u00e8vements sociaux en vigueur au moment des d\u00e9p\u00f4ts sont conserv\u00e9s.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A savoir <\/strong>: jusqu'au 1er janvier 2023, si vous transf\u00e9rez un contrat d'assurance de plus de 8 ans vers un PER, vous aurez droit \u00e0 un abattement double (li\u00e9 \u00e0 la dur\u00e9e de d\u00e9tention de plus de 8 ans).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour aller plus loin : <a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/section_lc\/LEGITEXT000006072026\/LEGISCTA000038507457\/#LEGISCTA000038507559\" target=\"_blank\" rel=\"noreferrer noopener\">L\u00e9gifrance Art L224-28 \u00e0 224-39 et s. 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                                <p class=\"card__category\">Les livrets, comptes et plans...<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Le PERP Plan Epargne Retraite Populaire<\/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\" 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Vous pouvez transf\u00e9rer votre \u00e9pargne accumul\u00e9e sur le PERP et le Madelin sur le PER individuel. Ouvert \u00e0 tous, le PER individuel peut \u00eatre souscrit aupr\u00e8s de l'\u00e9tablissement financier ou de l'organisme d'assurance de votre choix. [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":11065,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":9,"views":6125,"viewed_at":"1778466912","newsletter":"1","_yoast_wpseo_primary_category":353,"footnotes":""},"categories":[353,39,37,358,270,276],"tags":[],"class_list":["post-11043","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jai-des-projets","category-les-livrets-comptes-et-plans-depargne","category-les-produits-depargne","category-ma-retraite","category-mes-moments-de-vie","category-mon-epargne"],"yoast_head":"<title>Le PER ou plan \u00e9pargne retraite individuel (PERIN) - J&#039;ai des projets - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Le PER individuel est un produit d&#039;\u00e9pargne long terme. 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