{"id":36764,"date":"2025-12-08T17:34:57","date_gmt":"2025-12-08T15:34:57","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/?p=36764"},"modified":"2025-12-08T18:05:51","modified_gmt":"2025-12-08T16:05:51","slug":"transformer-perp-en-per","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/transformer-perp-en-per\/","title":{"rendered":"Faut-il transformer son PERP en PER ? Avantages et modalit\u00e9s"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Vous poss\u00e9dez un PERP et&nbsp;vous vous demandez s'il faut le transformer en PER ? Autoris\u00e9 depuis la loi Pacte, ce transfert peut vous offrir plus de souplesse pour votre \u00e9pargne retraite, mais n\u00e9cessite une analyse personnalis\u00e9e de votre situation.&nbsp;Entre souplesse de sortie, nouvelles possibilit\u00e9s de d\u00e9blocage et fiscalit\u00e9 adapt\u00e9e, le transfert m\u00e9rite r\u00e9flexion. Voici tout ce qu'il faut savoir pour prendre une d\u00e9cision \u00e9clair\u00e9e.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qu'est-ce qu'un PERP exactement ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/perp-plan-epargne-retraite-populaire\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Plan d'\u00c9pargne Retraite Populaire<\/strong><\/a><a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/perp-plan-epargne-retraite-populaire\/\" target=\"_blank\" rel=\"noreferrer noopener\"> (PERP) <\/a>est un <strong>produit d'\u00e9pargne \u00e0 long terme <\/strong>qui n'est plus commercialis\u00e9 depuis&nbsp;octobre 2020, remplac\u00e9 par le nouveau PER (loi Pacte).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous y effectuez des&nbsp;<strong>versements volontaires<\/strong> durant votre vie active, ces sommes sont investies sur diff\u00e9rents supports financiers (fonds euros, unit\u00e9s de compte), puis transform\u00e9es en <strong>rente viag\u00e8re<\/strong> \u00e0 votre d\u00e9part en retraite.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ces versements sont d\u00e9ductibles de votre&nbsp;<strong>revenu imposable<\/strong>, dans la limite d'un <strong>plafond annuel<\/strong>. Plus votre <strong>tranche marginale d'imposition<\/strong> est \u00e9lev\u00e9e, plus l'\u00e9conomie d'imp\u00f4t est significative. Les <strong>d\u00e9tenteurs d'un PERP<\/strong> peuvent continuer \u00e0 l'alimenter ou opter pour un transfert vers un PER individuel.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment fonctionne le PER ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez ouvrir votre <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/per-individuel-perin\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>PER individuel<\/strong><\/a> aupr\u00e8s d'une <strong>compagnie d'assurance<\/strong> ou d'un \u00e9tablissement bancaire proposant ce service. Deux <strong>modes de gestion<\/strong> s'offrent \u00e0 vous : la <strong>gestion pilot\u00e9e<\/strong> o\u00f9 vos investissements s'adaptent automatiquement \u00e0 votre \u00e2ge, et la <strong>gestion libre<\/strong> qui vous laisse choisir vos supports.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les <strong>versements volontaires<\/strong> sont d\u00e9ductibles de votre <strong>imp\u00f4t sur le revenu<\/strong>. Selon le contrat, le gestionnaire et votre profil, vos fonds peuvent se r\u00e9partir entre supports garantis (fonds euros) et <strong>unit\u00e9s de compte<\/strong> plus dynamiques.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 la retraite, vous choisissez librement entre <strong>sortie en capital<\/strong>, <strong>rente viag\u00e8re<\/strong> ou r\u00e9partition entre ces deux options.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">PERP ou PER : quelle diff\u00e9rence ? Pourquoi transformer un PERP en PER ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">LE PER offre les avantages suivantes :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>une possible sortie \u00e0 100% en capital tandis que le PERP limite g\u00e9n\u00e9ralement cette option \u00e0 20% de l'\u00e9pargne, le reste \u00e9tant vers\u00e9 en rente,<\/li><li>un <strong>d\u00e9blocage anticip\u00e9<\/strong> suppl\u00e9mentaire pour financer l'achat de votre <strong>r\u00e9sidence principale<\/strong>, m\u00eame si vous \u00eates d\u00e9j\u00e0 propri\u00e9taire,<\/li><li>la possible d\u00e9signation de b\u00e9n\u00e9ficiaires,<\/li><li>la centralisation de\u00a0tous vos contrats retraite (PERP, Madelin, PERCO) en un seul produit.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">Attention : Le transfert vers un PER pourrait vous faire perdre des avantages inclus dans votre contrat PERP actuel. C'est pourquoi, il est recommand\u00e9 de vous rapprocher de votre conseiller. Il vous aidera \u00e0 appr\u00e9cier l'opportunit\u00e9 d'un transf\u00e9rer votre PERP vers un PER.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dans quels cas conserver son PERP ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Certaines situations rendent le maintien de votre <strong>PERP<\/strong> plus avantageux qu'un transfert.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Si votre contrat pr\u00e9sente un\u00a0<strong>encours<\/strong> <strong>modeste <\/strong>(g\u00e9n\u00e9ralement moins de 15 000 \u20ac), votre assureur peut vous proposer une sortie en rente unique avec une fiscalit\u00e9 privil\u00e9gi\u00e9e : taux forfaitaire de 7,5% apr\u00e8s abattement de 10%, bien plus favorable que la fiscalit\u00e9 du PER.<\/li><li>Les PERP anciens b\u00e9n\u00e9ficient parfois de <strong>conditions avantageuses<\/strong> (ex: tables de mortalit\u00e9)\u00a0ou de taux techniques \u00e9lev\u00e9s qui dispara\u00eetraient lors d'un transfert.<\/li><li>Si vous approchez de la retraite avec un\u00a0<strong>bon choix<\/strong> de supports performants, votre PERP m\u00e9rite d'\u00eatre pr\u00e9serv\u00e9.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les erreurs \u00e0 \u00e9viter lors du transfert de PERP<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Ne n\u00e9gligez pas les&nbsp;<strong>frais de transfert <\/strong>et autres frais d'entr\u00e9e ou de versementdans votre r\u00e9flexion. Ils&nbsp;peuvent atteindre 5% de la valeur de votre contrat les dix premi\u00e8res ann\u00e9es. Pr\u00e8s du 10e anniversaire, attendez la gratuit\u00e9 totale du transfert pour optimiser l'op\u00e9ration. Demandez un devis d\u00e9taill\u00e9 avant de vous engager.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prenez garde au <strong>timing<\/strong> : si votre PERP approche des 10 ans, patientez quelques mois pour b\u00e9n\u00e9ficier de la <strong>gratuit\u00e9 totale<\/strong>. V\u00e9rifiez \u00e9galement que vos <strong>versements programm\u00e9s<\/strong> soient bien arr\u00eat\u00e9s sur l'ancien contrat pour \u00e9viter les doublons. Consultez votre <strong>conseiller<\/strong> pour une analyse personnalis\u00e9e de votre situation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment transformer un PERP en PER ?<\/h3>\n\n\n\n<ol class=\"wp-block-list\"><li><strong>Ouvrez votre nouveau PER<\/strong> aupr\u00e8s de l'\u00e9tablissement de votre choix avant d'initier la demande de transfert.<\/li><li>Adressez une <strong>demande \u00e9crite<\/strong> \u00e0 votre organisme gestionnaire actuel. Indiquez vos coordonn\u00e9es compl\u00e8tes, joignez une copie de&nbsp;votre pi\u00e8ce d'identit\u00e9 en cours de validit\u00e9, de votre contrat PERP&nbsp;avec son num\u00e9ro de r\u00e9f\u00e9rence et l'identit\u00e9 du nouvel organisme destinataire.&nbsp;Votre relev\u00e9 de compte le plus r\u00e9cent permettra de conna\u00eetre la valeur exacte de votre \u00e9pargne.<\/li><li>Votre gestionnaire vous informe des conditions de transfert. Sans opposition de votre part, il proc\u00e8de au <strong>transfert des fonds<\/strong>. L'op\u00e9ration compl\u00e8te s'\u00e9tale g\u00e9n\u00e9ralement sur 3 \u00e0 4 mois selon les \u00e9tablissements.<\/li><\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">A noter : Le&nbsp;transfert s'effectue sur la totalit\u00e9 de&nbsp;votre \u00e9pargne PERP.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quels sont les frais de transfert vers un autre \u00e9tablissement ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les <strong>frais de transfert<\/strong> d'un PERP vers un autre \u00e9tablissement sont encadr\u00e9s par la r\u00e9glementation. Votre assureur actuel peut vous facturer jusqu'\u00e0 5% de la valeur de votre contrat si celui-ci a moins de 10 ans d'anciennet\u00e9. Cette facturation devient <strong>totalement gratuite<\/strong> apr\u00e8s 10 ann\u00e9es de d\u00e9tention de votre PERP. Vous avez donc int\u00e9r\u00eat \u00e0 attendre cette \u00e9ch\u00e9ance pour optimiser votre op\u00e9ration de transfert.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour un <strong>transfert vers un PER<\/strong>, les r\u00e8gles diff\u00e8rent l\u00e9g\u00e8rement : les frais restent plafonn\u00e9s \u00e0 <strong>1% de l'encours<\/strong> si votre nouveau contrat PER a moins de 5 ans, puis deviennent nuls au-del\u00e0. V\u00e9rifiez \u00e9galement si votre <strong>nouvel \u00e9tablissement<\/strong> applique des frais d'entr\u00e9e lors de la r\u00e9ception des fonds.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Transfert de PERP vers PER : quelle fiscalit\u00e9 ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le transfert d\u2019un PERP vers un PER n\u2019entra\u00eene <strong>aucune nouvelle r\u00e9duction d\u2019imp\u00f4t<\/strong> : les versements d\u00e9j\u00e0 d\u00e9duits sur votre PERP conservent ce r\u00e9gime fiscal dans le PER, mais sans ouvrir droit \u00e0 une seconde d\u00e9duction.<br>\u00c0 la sortie, la fiscalit\u00e9 appliqu\u00e9e d\u00e9pend des modalit\u00e9s choisies :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Sortie en capital \u00e0 la retraite<\/strong> : la part des versements est impos\u00e9e au bar\u00e8me progressif de l\u2019imp\u00f4t sur le revenu ; les <strong>gains<\/strong> sont tax\u00e9s au <strong>PFU (30 %)<\/strong>.<\/li><li><strong>Sortie anticip\u00e9e pour l\u2019achat de la r\u00e9sidence principale<\/strong> : la part des versements d\u00e9ductibles est <strong>exon\u00e9r\u00e9e d\u2019imp\u00f4t<\/strong>, seuls les <strong>gains<\/strong> \u00e9tant soumis au PFU.<br>En cas de sortie en rente viag\u00e8re, la rente est fiscalis\u00e9e comme une pension (abattement de 10 %) et supporte les pr\u00e9l\u00e8vements sociaux sur son montant.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Questions fr\u00e9quentes sur la transformation d'un PERP, PERCO, etc. en PER<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Le transfert de mon PERP vers un PER est-il obligatoire ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Les d\u00e9tenteurs de PERP ont la possibilit\u00e9 de transf\u00e9rer leur \u00e9pargne vers un PER, mais cela reste une option et non une obligation.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Peut-on transf\u00e9rer un PERCO vers un PER ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Oui, vous pouvez transf\u00e9rer votre PERCO vers un PER individuel ou collectif , \u00e0 tout moment si vous quittez votre entreprise ou tous les 3 ans si vous restez&nbsp;salari\u00e9. Votre PERCO int\u00e8gre alors le compartiment \"\u00e9pargne salariale\" de votre nouveau PER. Renseignez-vous aupr\u00e8s de votre gestionnaire pour conna\u00eetre les conditions tarifaires.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Peut-on transf\u00e9rer un Madelin vers un PER ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Le transfert d'un contrat Madelin vers un PER est autoris\u00e9 sans limite dans le temps. Cette op\u00e9ration permet aux travailleurs non-salari\u00e9s de b\u00e9n\u00e9ficier de la souplesse du nouveau dispositif. Contrairement au Madelin qui impose une sortie en rente viag\u00e8re, le PER vous offre le choix entre capital, rente ou formule mixte. Les frais de transfert sont plafonn\u00e9s \u00e0 5% de l'encours pour les contrats de moins de 10 ans, gratuits au-del\u00e0. Le transfert pr\u00e9serve la d\u00e9ductibilit\u00e9 acquise sur les versements ant\u00e9rieurs sans g\u00e9n\u00e9rer d'avantage fiscal suppl\u00e9mentaire.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Y a -t-il une date limite pour transf\u00e9rer son PERP vers un PER ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Aucune date limite ou limite d'\u00e2ge n'est impos\u00e9e pour transf\u00e9rer votre PERP vers un PER. Vous conservez cette possibilit\u00e9 tout au long de la vie de votre contrat. La seule restriction concerne les contrats d\u00e9j\u00e0 liquid\u00e9s : une fois la sortie en rente viag\u00e8re demand\u00e9e, le transfert devient impossible. Tant que votre contrat reste en phase d'\u00e9pargne, vous gardez la libert\u00e9 de le transf\u00e9rer quand vous le souhaitez, notamment en fonction de l'anciennet\u00e9 et des frais applicables.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Faut-il transformer son PERP en PER ? Avantages et modalit\u00e9s\" :<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.service-public.gouv.fr\/particuliers\/vosdroits\/F10259\" target=\"_blank\" rel=\"noreferrer noopener\">le transfert de PERP sur service public.fr<\/a>&nbsp;<\/li><\/ul>\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 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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/retraite-viser-long-terme-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/retraite-viser-long-terme-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/retraite-viser-long-terme-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/retraite-viser-long-terme-_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\u00e9voyance<\/p>\n                                    <\/div>\n            <\/div>\n     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projets<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Le PER ou plan \u00e9pargne retraite individuel (PERIN)<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:786,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/lassurance-dependance\/&quot;,&quot;title&quot;:&quot;En quoi consiste une assurance d\u00e9pendance ?&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/dependance-150x150.jpg&quot;,&quot;likes&quot;:4}\"\n     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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/separation-csq-compte-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/separation-csq-compte-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/separation-csq-compte-_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\">J&#039;ai des difficult\u00e9s<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Je me s\u00e9pare<\/span>\n                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srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/03\/achat-immo-1-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/03\/achat-immo-1-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/03\/achat-immo-1-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/03\/achat-immo-1.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\">Mon bien immobilier<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">J&#039;ach\u00e8te un bien immobilier<\/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>\n\n","protected":false},"excerpt":{"rendered":"<p>Vous poss\u00e9dez un PERP et&nbsp;vous vous demandez s'il faut le transformer en PER ? Autoris\u00e9 depuis la loi Pacte, ce transfert peut vous offrir plus de souplesse pour votre \u00e9pargne retraite, mais n\u00e9cessite une analyse personnalis\u00e9e de votre situation.&nbsp;Entre souplesse de sortie, nouvelles possibilit\u00e9s de d\u00e9blocage et fiscalit\u00e9 adapt\u00e9e, le transfert m\u00e9rite r\u00e9flexion. Voici tout [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":36767,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":1,"views":4183,"viewed_at":"1778493500","newsletter":"1","_yoast_wpseo_primary_category":358,"footnotes":""},"categories":[353,358,270,276],"tags":[],"class_list":["post-36764","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jai-des-projets","category-ma-retraite","category-mes-moments-de-vie","category-mon-epargne"],"yoast_head":"<title>Faut-il transformer son PERP en PER ? 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