{"id":25165,"date":"2024-12-05T09:03:11","date_gmt":"2024-12-05T07:03:11","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/?p=25165"},"modified":"2024-12-13T16:48:57","modified_gmt":"2024-12-13T14:48:57","slug":"plan-epargne-avenir-climat-peac","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/plan-epargne-avenir-climat-peac\/","title":{"rendered":"Nouveau placement pour les jeunes : le Plan d'Epargne Avenir Climat (PEAC)"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Objectif : permettre aux jeunes de&nbsp;se constituer une \u00e9pargne de long terme, en soutenant le&nbsp;financement de la transition \u00e9cologique. B\u00e9n\u00e9ficiant d'une fiscalit\u00e9 avantageuse, ce plan d\u2019\u00e9pargne existe depuis le 1<sup>er<\/sup>&nbsp;juillet 2024. Il peut \u00eatre ouvert d\u00e8s la naissance et jusqu'\u00e0 21 ans, aupr\u00e8s des \u00e9tablissements qui le proposent. <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelles sont les principales caract\u00e9ristiques du Plan d'Epargne Avenir Climat (PEAC) ?<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Plafond des versements :<\/strong> 22 950 euros<\/li><li><strong>Ouverture :<\/strong> d\u00e8s la naissance et jusqu'\u00e0 21 ans<\/li><li><strong>Epargne bloqu\u00e9e <\/strong>: jusqu'\u00e0 la majorit\u00e9 du titulaire, avec une dur\u00e9e minimum de 5 ans <\/li><li><strong>Cl\u00f4ture automatique :<\/strong> aux 30 ans du titulaire<\/li><li><strong>Formes juridiques :<\/strong> compte-titres ordinaire<strong> <\/strong>(n\u00e9cessitant un compte esp\u00e8ces associ\u00e9) ou contrat de capitalisation<\/li><li>1 seul PEAC par personne<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le PEAC est accessible depuis juillet 2024, aupr\u00e8s des \u00e9tablissements qui le commercialisent (banques, assureurs, entreprises d'investissement, mutuelles ou institutions de pr\u00e9voyance). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chaque ann\u00e9e, le titulaire recevra une <strong>actualisation des informations pour les actifs auxquels son \u00e9pargne est affect\u00e9e<\/strong>. Un tableau expliquera ainsi l'<strong>impact des diff\u00e9rents frais <\/strong>sur la performance de son \u00e9pargne. Les actifs seront class\u00e9s par cat\u00e9gories : \"fonds actions\", \"fonds obligations\", \"fonds mixtes\", \"fonds immobiliers\", etc. Par la vari\u00e9t\u00e9 des supports d'investissement propos\u00e9s, le PEAC se rapproche d\u2019un plan \u00e9pargne en actions (<a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-pea-plan-epargne-en-actions\/\" target=\"_blank\">PEA<\/a>) ou d\u2019un plan \u00e9pargne retraite (<a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/le-per-ou-perin\/\" target=\"_blank\">PER<\/a>).<\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">A noter : <strong>la r\u00e9mun\u00e9ration de ce plan d\u2019\u00e9pargne n'est pas fix\u00e9e r\u00e9glementairement. <\/strong>Elle d\u00e9pend du rendement des investissements choisis, soumis aux fluctuations des march\u00e9s financiers. Ainsi, <strong>le capital du PEAC n\u2019est pas garanti<\/strong>. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment fonctionne un PEAC ? <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le principe du PEAC : les <strong>fonds sont bloqu\u00e9s pendant 5 ans et jusqu\u2019\u00e0 la majorit\u00e9 du titulaire<\/strong> (sauf exception), permettant ainsi de financer des projets de long terme. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici quelques exemples : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>PEAC ouvert avant 13 ans : d\u00e9blocage \u00e0 18 ans<\/li><li>PEAC ouvert \u00e0 16 ans : d\u00e9blocage \u00e0 21 ans...<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avant les 5&nbsp;ans de blocage impos\u00e9, <strong>un retrait est possible en cas de d\u00e9c\u00e8s d'un des parents ou si le jeune devenait invalide<\/strong>. Apr\u00e8s les 5 ans de blocage et jusqu\u2019\u00e0 la cl\u00f4ture automatique du plan aux 30 ans du titulaire, <strong>des retraits partiels sont possibles. <\/strong>En revanche, dans ce cas, il ne sera plus possible d\u2019effectuer de nouveaux versements&nbsp;sur le <strong>PEAC<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le titulaire peut <strong>retirer tout son argent \u00e0 tout moment, entrainant la cl\u00f4ture du plan<\/strong>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il est aussi possible de <strong>transf\u00e9rer un PEAC<\/strong>. Les frais encourus ne pourront pas exc\u00e9der 1 % des droits acquis. Ils seront nuls si le plan a plus de cinq ans et si son titulaire a atteint l'\u00e2ge de 18 ans.<\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">A noter : aucune fiscalit\u00e9 au moment du d\u00e9blocage des fonds. De plus,<strong> les gains et les plus-values ne seront<\/strong> <strong>pas soumis \u00e0 l\u2019imp\u00f4t sur le revenu, ni aux pr\u00e9l\u00e8vements sociaux<\/strong>. Il faut cependant les signaler dans la d\u00e9claration de revenus.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Le PEAC : un produit orient\u00e9 \"jeunes\" et \"\u00e9cologie\"<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour optimiser son potentiel de performance et limiter les risques, le PEAC b\u00e9n\u00e9ficie d'une <strong>gestion pilot\u00e9e<\/strong> (sauf choix d'une gestion libre). L\u2019allocation \u00e9voluera ainsi pour&nbsp;<strong>s\u00e9curiser au maximum le capital <\/strong>\u00e0 l\u2019approche de la date de liquidation choisie par le titulaire. En effet, dans les 2 ans pr\u00e9c\u00e9dant cette date, la part des actifs pr\u00e9sentant un profil d'investissement \u00e0 faible risque devra \u00eatre au minimum \u00e9gale \u00e0 70 % de l'encours du plan :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>soit par l\u2019interm\u00e9diaire de supports d\u2019\u00e9pargne financi\u00e8re avec un indicateur synth\u00e9tique de risque inf\u00e9rieur ou \u00e9gal \u00e0 2<\/li><li>soit dans le cadre des contrats de capitalisation via un fonds g\u00e9n\u00e9ral en euro, pour lequel il n\u2019existe aucun risque de perte en capital.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les titulaires du PEAC b\u00e9n\u00e9ficieront d\u2019une information r\u00e9guli\u00e8re<strong> <\/strong>et p\u00e9dagogique pour \u00eatre facilement compr\u00e9hensible par les plus jeunes. Elle comprendra notamment <strong>la performance du plan, le niveau des frais ou encore l\u2019impact environnemental<\/strong> de leur plan d\u2019\u00e9pargne.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les fonds du PEAC seront destin\u00e9s \u00e0&nbsp;<strong>financer la transition \u00e9cologique.<\/strong> Le <strong>Plan d'\u00e9pargne avenir climat<\/strong> devrait proposer essentiellement des fonds disposant du&nbsp;<a rel=\"noreferrer noopener\" href=\"https:\/\/www.ecologie.gouv.fr\/politiques-publiques\/label-greenfin\" target=\"_blank\">label France finance verte<\/a> (<strong>greenfin<\/strong>) ou du label&nbsp;<strong><a href=\"https:\/\/www.quechoisir.org\/billet-de-la-presidente-refonte-du-label-isr-des-avancees-contre-le-greenwashing-n113026\/\" target=\"_blank\" rel=\"noreferrer noopener\">ISR<\/a>&nbsp;<\/strong>(Investissement Socialement Responsable). D\u2019autres titres contribuant au financement de la transition \u00e9cologique pourront aussi \u00eatre propos\u00e9s (comme les obligations dites \u00ab&nbsp;vertes&nbsp;\u00bb). <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Nouveau placement pour les jeunes : le Plan d'Epargne Avenir Climat\"<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.economie.gouv.fr\/particuliers\/plan-epargne-avenir-climat-peac-comment-ca-fonctionne\" target=\"_blank\">Plan \u00e9pargne avenir climat (PEAC) : comment \u00e7a fonctionne ? sur economie.gouv.fr<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.service-public.fr\/particuliers\/actualites\/A17454\" target=\"_blank\">Plan d'\u00e9pargne avenir climat\u00a0: un nouveau placement financier destin\u00e9 aux plus jeunes sur service-public.fr<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.economie.gouv.fr\/que-contient-la-loi-industrie-verte\" target=\"_blank\">Loi d'octobre 2023 relative \u00e0 l\u2019industrie verte, article 34<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000049723819\" target=\"_blank\">Arr\u00eat\u00e9 du 15 juin 2024<\/a> et <a rel=\"noreferrer noopener\" href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000049723707\" target=\"_blank\">D\u00e9cret du 15 juin 2024 relatif \u00e0 la mise en \u0153uvre du plan d'\u00e9pargne avenir climat sur L\u00e9gifrance<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000049723594\" target=\"_blank\">D\u00e9cret du 15 juin 2024 relatif \u00e0 la mise en \u0153uvre du plan d'\u00e9pargne avenir climat et au contr\u00f4le de la d\u00e9tention des produits d'\u00e9pargne r\u00e9glement\u00e9e sur L\u00e9gifrance<\/a><\/li><li><a href=\"https:\/\/www.legifrance.gouv.fr\/jorf\/id\/JORFTEXT000050730739\" target=\"_blank\" rel=\"noreferrer noopener\">D\u00e9cret du 4 d\u00e9cembre sur les obligations d\u00e9claratives des titulaires de PEAC<\/a><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div style=\"height:36px\" 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                <h4 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h4>\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 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class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/epargne-et-placements-miser-sur-la-securite\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/miser-securite-2-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/miser-securite-2-_BD-906x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/miser-securite-2-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/miser-securite-2-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">L&#039;\u00e9pargne de pr\u00e9caution<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Epargne et placements : Miser sur la s\u00e9curit\u00e9<\/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 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B\u00e9n\u00e9ficiant d'une fiscalit\u00e9 avantageuse, ce plan d\u2019\u00e9pargne existe depuis le 1er&nbsp;juillet 2024. Il peut \u00eatre ouvert d\u00e8s la naissance et jusqu'\u00e0 21 ans, aupr\u00e8s des \u00e9tablissements qui le proposent. Quelles sont les principales caract\u00e9ristiques du Plan [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":29596,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":8,"views":4981,"viewed_at":"1778443773","newsletter":"1","_yoast_wpseo_primary_category":37,"footnotes":""},"categories":[140,191,59,141,30,98,39,37,270,276],"tags":[],"class_list":["post-25165","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-enfant-mineur","category-epargner-ou-emprunter","category-jai-des-enfants","category-lapprentissage-de-largent","category-le-choix","category-les-contraintes-et-criteres-a-prendre-en-compte","category-les-livrets-comptes-et-plans-depargne","category-les-produits-depargne","category-mes-moments-de-vie","category-mon-epargne"],"yoast_head":"<title>Nouveau placement pour les jeunes : le Plan d&#039;Epargne Avenir Climat (PEAC) - Les produits d&#039;\u00e9pargne - 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