{"id":3645,"date":"2022-11-07T18:37:02","date_gmt":"2022-11-07T17:37:02","guid":{"rendered":"https:\/\/www.devadeas.fr\/?p=3645"},"modified":"2023-01-03T19:22:10","modified_gmt":"2023-01-03T18:22:10","slug":"plan-depargne-retraite-tout-ce-quil-faut-savoir-avant-de-sengager","status":"publish","type":"post","link":"https:\/\/www.devadeas.fr\/index.php\/revue-de-web\/plan-depargne-retraite-tout-ce-quil-faut-savoir-avant-de-sengager\/","title":{"rendered":"Plan d\u2019\u00e9pargne-retraite\u00a0: tout ce qu\u2019il faut savoir avant de s\u2019engager"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"427\" src=\"https:\/\/www.devadeas.fr\/wp-content\/uploads\/2022\/11\/piggy-bank-2943633_640.jpg\" alt=\"\" class=\"wp-image-3646\" srcset=\"https:\/\/www.devadeas.fr\/wp-content\/uploads\/2022\/11\/piggy-bank-2943633_640.jpg 640w, https:\/\/www.devadeas.fr\/wp-content\/uploads\/2022\/11\/piggy-bank-2943633_640-500x334.jpg 500w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><figcaption class=\"wp-element-caption\"><em>Image <a href=\"https:\/\/pixabay.com\/fr\/users\/jamesqube-6733902\/?utm_source=link-attribution&amp;utm_medium=referral&amp;utm_campaign=image&amp;utm_content=2943633\">Qubes Pictures<\/a> via <a href=\"https:\/\/pixabay.com\/fr\/\/?utm_source=link-attribution&amp;utm_medium=referral&amp;utm_campaign=image&amp;utm_content=2943633\">Pixabay<\/a><\/em><\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Si vous \u00eates abonn\u00e9s du journal Le Monde, vous pourrez <a href=\"https:\/\/www.lemonde.fr\/argent\/article\/2022\/11\/07\/plan-d-epargne-retraite-tout-ce-qu-il-faut-savoir-avant-de-s-engager_6148771_1657007.html\" data-type=\"URL\" data-id=\"https:\/\/www.lemonde.fr\/argent\/article\/2022\/11\/07\/plan-d-epargne-retraite-tout-ce-qu-il-faut-savoir-avant-de-s-engager_6148771_1657007.html\">lire l&rsquo;int\u00e9gralit\u00e9 de cette analyse<\/a>, publi\u00e9e le 7\/11\/2022. On peut en retenir quelques points clefs, utiles pour les personnels d&rsquo;Orange. <\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depuis la Loi Pacte, il existe 3 types de Plan d&rsquo;Epargne Retraite (PER) : <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>PER individuel<\/li>\n\n\n\n<li>PER collectif d&rsquo;entreprise (le nouveau PER COL d&rsquo;Orange en fait partie)<\/li>\n\n\n\n<li>PER obligatoire (chez Orange, concerne les cadres sup\u00e9rieurs) <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Les PER comportent 3 compartiments (comme nous l&rsquo;avions expliqu\u00e9 notamment <a href=\"https:\/\/www.devadeas.fr\/index.php\/en-pratique\/ex-salaries-dequant-pour-garder-le-choix-transferez-des-aujourdhui-votre-article-83-dans-un-perp\/\" data-type=\"URL\" data-id=\"https:\/\/www.devadeas.fr\/index.php\/en-pratique\/ex-salaries-dequant-pour-garder-le-choix-transferez-des-aujourdhui-votre-article-83-dans-un-perp\/\">dans cet article<\/a>) : <\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">Compartiment<\/td><td>Contenu<\/td><td>PER concern\u00e9s<\/td><td>Modalit\u00e9s de sortie<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">1<\/td><td>Versements volontaires pouvant \u00eatre d\u00e9duits de l&rsquo;assiette de l&rsquo;IR (imp\u00f4t sur le revenu) au moment du versement, le capital \u00e9tant dans ce cas impos\u00e9 en sortie (diff\u00e9r\u00e9 d&rsquo;imp\u00f4t), au Pr\u00e9l\u00e8vement Forfaitaire Unique (PFU) de 30% (IR \u00e0 12,8% + pr\u00e9l\u00e8vements sociaux \u00e0 17,2%). Vous pouvez \u00e9galement opter pour l&rsquo;IR au taux progressif, en particulier si votre tranche sup\u00e9rieure d&rsquo;imposition est impos\u00e9e \u00e0 moins de 12,8%.<br \/><br \/>Les plus-values sont syst\u00e9matiquement impos\u00e9es au PFU de 30%.<br \/><\/td><td>PER IN<br \/>PER COL<\/td><td>&#8211; sortie possible en rente ou en capital, au choix, avec panachage possible<br \/>&#8211; si sortie en capital, possibilit\u00e9 de le d\u00e9bloquer en plusieurs fois<br \/>&#8211; <a href=\"https:\/\/www.amundi-ee.com\/epargnant\/Footer\/NOUS-SOMMES-LA-POUR-VOUS\/Les-Cas-de-deblocage\" data-type=\"URL\" data-id=\"https:\/\/www.amundi-ee.com\/epargnant\/Footer\/NOUS-SOMMES-LA-POUR-VOUS\/Les-Cas-de-deblocage\">d\u00e9blocage anticip\u00e9 possible<\/a>, notamment pour l&rsquo;acquisition de la r\u00e9sidence principale<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">2<\/td><td>\u00c9pargne salariale issue de : int\u00e9ressement, participation, abondements employeur associ\u00e9s, jours de cong\u00e9s non pris ou versement de jours de CET (compte \u00e9pargne temps).<br \/><br \/>Les plus-values sont soumises aux pr\u00e9l\u00e8vements sociaux (17,2%) uniquement en sortie. <\/td><td>PER COL<\/td><td>idem compartiment 1<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">3<\/td><td>Cotisations obligatoires de l&#8217;employeur et \u00e9ventuellement du salari\u00e9<br \/>Fiscalit\u00e9 sp\u00e9cifique aux sorties en rente.<\/td><td>PER OB<\/td><td>sortie obligatoire en rente<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">L&rsquo;int\u00e9r\u00eat des nouveaux dispositifs, c&rsquo;est qu&rsquo;ils peuvent \u00eatre transf\u00e9r\u00e9s (par exemple, vous pouvez demander le transfert de votre PER COL vers celui de votre nouvel employeur si vous changez d&rsquo;entreprise). Des frais de transfert sont presque toujours pr\u00e9vus sur les cinq premi\u00e8res ann\u00e9es de vie du contrat. Ils sont plafonn\u00e9s \u00e0 1 % des sommes transf\u00e9r\u00e9es. Au-del\u00e0 de cinq ans, la gratuit\u00e9 s\u2019impose. Cela permet notamment d&rsquo;envisager de regrouper tous ses PER dans un contrat unique aupr\u00e8s de l&rsquo;\u00e9tablissement de son choix, notamment en fin de carri\u00e8re. Attention cependant dans ce cas de bien regarder quels frais vous seront appliqu\u00e9s, notamment pour la tenue de compte : concernant votre PER COL Orange, les frais de gestion sont mutualis\u00e9s et restent \u00ab\u00a0gratuits\u00a0\u00bb m\u00eame apr\u00e8s votre d\u00e9part de l&rsquo;entreprise, d\u00e8s lors que vous conservez par ailleurs au moins une action Orange dans votre PEG. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelques statistiques<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&rsquo;article rappelle \u00e9galement quelques points clefs du dernier rapport de France Strat\u00e9gie sur l&rsquo;\u00e9valuation de la Loi Pacte, dont l&rsquo;int\u00e9gralit\u00e9 est <a href=\"https:\/\/www.strategie.gouv.fr\/publications\/comite-de-suivi-devaluation-de-loi-pacte-troisieme-rapport\" data-type=\"URL\" data-id=\"https:\/\/www.strategie.gouv.fr\/publications\/comite-de-suivi-devaluation-de-loi-pacte-troisieme-rapport\">accessible en ligne<\/a>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On peut en retenir que, si le nombre de d\u00e9tenteurs d&rsquo;un PER, actuellement 6 millions, est au double de l&rsquo;objectif initialement fix\u00e9 pour fin 2022, l&rsquo;essentiel des fonds d\u00e9tenus proviennent de transferts des anciens produits d&rsquo;\u00e9pargne retraite. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Si vous \u00eates abonn\u00e9s du journal Le Monde, vous pourrez lire l&rsquo;int\u00e9gralit\u00e9 de cette analyse, publi\u00e9e le 7\/11\/2022. On peut en retenir quelques points clefs, utiles pour les personnels d&rsquo;Orange. Depuis la Loi Pacte, il existe 3 types de Plan d&rsquo;Epargne Retraite (PER) : Les PER comportent 3 compartiments (comme nous l&rsquo;avions expliqu\u00e9 notamment dans [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[28,8],"tags":[81,82],"class_list":["post-3645","post","type-post","status-publish","format-standard","hentry","category-en-pratique","category-revue-de-web","tag-percol","tag-perin"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Plan d\u2019\u00e9pargne-retraite\u00a0: tout ce qu\u2019il faut savoir avant de s\u2019engager - ADEAS<\/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:\/\/www.devadeas.fr\/index.php\/revue-de-web\/plan-depargne-retraite-tout-ce-quil-faut-savoir-avant-de-sengager\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Plan d\u2019\u00e9pargne-retraite\u00a0: tout ce qu\u2019il faut savoir avant de s\u2019engager - ADEAS\" \/>\n<meta property=\"og:description\" content=\"Si vous \u00eates abonn\u00e9s du journal Le Monde, vous pourrez lire l&rsquo;int\u00e9gralit\u00e9 de cette analyse, publi\u00e9e le 7\/11\/2022. On peut en retenir quelques points clefs, utiles pour les personnels d&rsquo;Orange. Depuis la Loi Pacte, il existe 3 types de Plan d&rsquo;Epargne Retraite (PER) : Les PER comportent 3 compartiments (comme nous l&rsquo;avions expliqu\u00e9 notamment dans [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.devadeas.fr\/index.php\/revue-de-web\/plan-depargne-retraite-tout-ce-quil-faut-savoir-avant-de-sengager\/\" \/>\n<meta property=\"og:site_name\" content=\"ADEAS\" \/>\n<meta property=\"article:published_time\" content=\"2022-11-07T17:37:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-01-03T18:22:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.devadeas.fr\/wp-content\/uploads\/2022\/11\/piggy-bank-2943633_640.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"427\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"H\u00e9l\u00e8ne Marcy\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"H\u00e9l\u00e8ne Marcy\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.devadeas.fr\\\/index.php\\\/revue-de-web\\\/plan-depargne-retraite-tout-ce-quil-faut-savoir-avant-de-sengager\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.devadeas.fr\\\/index.php\\\/revue-de-web\\\/plan-depargne-retraite-tout-ce-quil-faut-savoir-avant-de-sengager\\\/\"},\"author\":{\"name\":\"H\u00e9l\u00e8ne Marcy\",\"@id\":\"https:\\\/\\\/www.devadeas.fr\\\/#\\\/schema\\\/person\\\/b1014e2ef5ff688a8ebe7ebd0ccebf7e\"},\"headline\":\"Plan d\u2019\u00e9pargne-retraite\u00a0: tout ce qu\u2019il faut savoir avant de s\u2019engager\",\"datePublished\":\"2022-11-07T17:37:02+00:00\",\"dateModified\":\"2023-01-03T18:22:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.devadeas.fr\\\/index.php\\\/revue-de-web\\\/plan-depargne-retraite-tout-ce-quil-faut-savoir-avant-de-sengager\\\/\"},\"wordCount\":534,\"commentCount\":2,\"publisher\":{\"@id\":\"https:\\\/\\\/www.devadeas.fr\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.devadeas.fr\\\/index.php\\\/revue-de-web\\\/plan-depargne-retraite-tout-ce-quil-faut-savoir-avant-de-sengager\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.devadeas.fr\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/piggy-bank-2943633_640.jpg\",\"keywords\":[\"PERCOL\",\"PERin\"],\"articleSection\":[\"En pratique\",\"Revue de web\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.devadeas.fr\\\/index.php\\\/revue-de-web\\\/plan-depargne-retraite-tout-ce-quil-faut-savoir-avant-de-sengager\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.devadeas.fr\\\/index.php\\\/revue-de-web\\\/plan-depargne-retraite-tout-ce-quil-faut-savoir-avant-de-sengager\\\/\",\"url\":\"https:\\\/\\\/www.devadeas.fr\\\/index.php\\\/revue-de-web\\\/plan-depargne-retraite-tout-ce-quil-faut-savoir-avant-de-sengager\\\/\",\"name\":\"Plan d\u2019\u00e9pargne-retraite\u00a0: tout ce qu\u2019il faut savoir avant de s\u2019engager - 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On peut en retenir quelques points clefs, utiles pour les personnels d&rsquo;Orange. 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