{"id":1643,"date":"2022-12-01T19:44:53","date_gmt":"2022-12-01T18:44:53","guid":{"rendered":"https:\/\/www.dentatest.com\/?p=1643"},"modified":"2022-12-01T19:44:54","modified_gmt":"2022-12-01T18:44:54","slug":"retraite-le-plan-epargne-retraite-individuel-perin-quest-ce-que-cest","status":"publish","type":"post","link":"https:\/\/www.dentatest.com\/index.php\/2022\/12\/01\/retraite-le-plan-epargne-retraite-individuel-perin-quest-ce-que-cest\/","title":{"rendered":"[Retraite] Le Plan Epargne Retraite Individuel (PERIN), qu&rsquo;est-ce que c&rsquo;est ?"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/www.dentatest.com\/wp-content\/uploads\/2022\/12\/image-300x169.png\" alt=\"\" class=\"wp-image-1645\" srcset=\"https:\/\/www.dentatest.com\/wp-content\/uploads\/2022\/12\/image-300x169.png 300w, https:\/\/www.dentatest.com\/wp-content\/uploads\/2022\/12\/image-768x434.png 768w, https:\/\/www.dentatest.com\/wp-content\/uploads\/2022\/12\/image-106x60.png 106w, https:\/\/www.dentatest.com\/wp-content\/uploads\/2022\/12\/image.png 885w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"presentation\">Pr\u00e9sentation <\/h2>\n\n\n\n<p>Aujourd&rsquo;hui, nous allons parler d&rsquo;une chose totalement diff\u00e9rente sur DentaTest, mais qui vise, comme toujours, \u00e0 \u00e9viter de se faire pigeonner. <\/p>\n\n\n\n<p>Le PERIN, c&rsquo;est le successeur du Plan \u00e9pargne retraite populaire , un dispositif \u00e9tatique qui visait \u00e0 faire un peu de retraite par capitalisation. En r\u00e9alit\u00e9, une usine \u00e0 plumer du pigeon (vous), puisque le dispositif ne permettait de sortir l&rsquo;\u00e9pargne constitu\u00e9 qu&rsquo;en rente viag\u00e8re. Inutile de vous rappeler l&rsquo;esp\u00e9rance de vie d&rsquo;un dentiste?<br><br>Alors, pourquoi parler du PER?<\/p>\n\n\n\n<p>Car les choses ont un peu chang\u00e9 ! Et qu&rsquo;il est possible de transformer son Assurance vie en PER jusqu&rsquo;\u00e0 la fin de l&rsquo;ann\u00e9e ! Et il est possible de transf\u00e9rer son madelin en PER&#8230;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"block-4464129c-999b-4bf3-a67d-b989233a2746\">C&rsquo;est une pub ?<\/h2>\n\n\n\n<p id=\"block-d6900aa2-a34f-40f4-8940-a32409bad094\">Non, rassurez-vous, ce test est objectif. C\u2019est le principe du site \ud83d\ude09 On ne vend pas de PER, mais on va vous conseiller \ud83d\ude09<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"block-8dbba66f-ca12-4d30-981a-0e55f58ddde3\">Alors, cela donne quoi ?<\/h2>\n\n\n\n<p>Commen\u00e7ons par la <strong>base<\/strong> : le PER est un contrat entre vous et un tiers (banque, assurance, organisme&#8230;) pour bloquer de l&rsquo;argent sur un compte qui sera plac\u00e9 sur divers supports (souvent en actions ou en fonds), suppos\u00e9s faire fructifier votre argent jusqu&rsquo;\u00e0 votre retraite.<\/p>\n\n\n\n<p>Cet argent vers\u00e9, l&rsquo;\u00e9tat vous autorise \u00e0 le D\u00c9DUIRE de vos revenus imposables (jusqu&rsquo;\u00e0 4052\u20ac ou 10% de vos revenus professionnels jusqu&rsquo;\u00e0 32419\u20ac). Int\u00e9ressant non? Sachez tout de m\u00eame qu&rsquo;il sera tax\u00e9 \u00e0 la sortie. C&rsquo;est donc plus int\u00e9ressant si vous avez un taux marginal d&rsquo;imposition \u00e9lev\u00e9 pendant que vous travaillez (41 \u00e0 45%), et que vous allez fortement baisser de tranche \u00e0 la retraite.<\/p>\n\n\n\n<p>Par exemple, 1000\u20ac vers\u00e9s pour un dentiste impos\u00e9 \u00e0 45% donnera 450\u20ac d&rsquo;all\u00e9gement sur l&rsquo;imp\u00f4t. Vous suivez ? Ou par exemple, si vous versez 10 000\u20ac alors que vous \u00eates imposable \u00e0 45%, votre effort d&rsquo;\u00e9pargne est de 6500\u20ac. Vous suivez toujours? Bon, et imaginez-vous, toucher 1000\u20ac en capital \u00e0 la sortie. Il sera tax\u00e9 selon votre taux d&rsquo;imposition. Int\u00e9ressant \u00e0 11%, aucun int\u00e9r\u00eat fiscal \u00e0 41%.<\/p>\n\n\n\n<p><strong>Premi\u00e8re le\u00e7on :<\/strong> si on n&rsquo;est pas fortement tax\u00e9, ce n&rsquo;est pas int\u00e9ressant. Si vous \u00eates tax\u00e9s fortement \u00e0 la retraite, ce n&rsquo;est pas int\u00e9ressant.<\/p>\n\n\n\n<p>Mr le Pr\u00e9sident Macron a fortement chang\u00e9 la donne, vous pourrez donc sortir votre argent sous forme de capital en une ou plusieurs fois (compt\u00e9s comme revenu, donc imp\u00f4ts) en capital + rente, ou en rente.<\/p>\n\n\n\n<p>Par ailleurs, il existe <strong>quelques cas de sortie anticip\u00e9e<\/strong> : achat R\u00e9sidence Principal (si vous n&rsquo;\u00e9tiez pas propri\u00e9taire), gros coups durs (divorces, d\u00e9c\u00e8s \u00e9poux, invalidit\u00e9, liquidation judiciaire..)<\/p>\n\n\n\n<p><strong>Deuxi\u00e8me le\u00e7on :<\/strong> l&rsquo;argent n&rsquo;est pas disponible facilement<\/p>\n\n\n\n<p>Les organismes qui vont vous permettre de placer cet argent vont pr\u00e9lever des frais en \u00e9change de placement sur leur \u00ab\u00a0support\u00a0\u00bb. Attention, les organismes sont malins ! Il existe des frais pour tout : de gestion\/an (en %age), de versement (en %age), de transfert (en %age&#8230;) et quelque fois de r\u00e9version (en %age aussi)&#8230; Faites attention, ne c\u00e9dez pas au sourire de votre banqui\u00e8re ! Pr\u00e9voyez un organisme qui permet de placer sur un support int\u00e9ressant !<\/p>\n\n\n\n<p><strong>Troisi\u00e8me le\u00e7on :<\/strong> si on ouvre un PER, on le fait chez un organisme qui ne pr\u00e9l\u00e8ve que peu de frais ET qui propose un placement sur un support qui r\u00e9plique un indice monde ou \u00e9tendu. On peut citer : Boursorama banque MATLA, Linxea PER, Yomoni PER, Placement direct-PER, MIF PER Retraite&#8230;<\/p>\n\n\n\n<p>Vous me direz, quel est donc l&rsquo;int\u00e9r\u00eat de souscrire \u00e0 un produit o\u00f9 l&rsquo;argent est bloqu\u00e9, indisponible avant la retraite, et qui ne d\u00e9fiscalise pas grand chose ?<\/p>\n\n\n\n<p>Eh bien vous avez la r\u00e9ponse: ce produit ne s&rsquo;adresse en r\u00e9alit\u00e9 pas \u00e0 grand monde. Il permet m\u00e9diocrement de se constituer une retraite (pr\u00e9f\u00e9rez la bourse, ou l&rsquo;argent est plus disponible, ou l&rsquo;immobilier o\u00f9 l&rsquo;argent est fig\u00e9 mais l&rsquo;effet boule de neige et levier sont r\u00e9els).<\/p>\n\n\n\n<p><br>Trois petites \u00ab\u00a0niches\u00a0\u00bb fiscales :  <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Il est possible de souscrire un PERIN pour un mineur, mineur qui ach\u00e8tera sa r\u00e9sidence principale un jour&#8230; Vous comprenez le tour ? Si vous \u00eates trop riche ou tr\u00e8s pr\u00e9voyant, voil\u00e0 un int\u00e9r\u00eat majeur. <\/li>\n\n\n\n<li>Il est possible de favoriser un b\u00e9n\u00e9ficiaire au d\u00e9triment des successeurs (comme l&rsquo;assurance vie), avec un abattement si vous mourez avant 70 ans. De quoi r\u00e9ussir sa mort ?<\/li>\n\n\n\n<li>Il est possible de verser beaucoup lorsqu&rsquo;on est proche de la retraite&#8230; Un moyen de gagner (un peu) d&rsquo;imp\u00f4ts?<\/li>\n\n\n\n<li>Vous vous \u00eates fait pigeonner et avez un PER avec bcp de frais? Il est possible de le transf\u00e9rer vers un meilleur. Regardez nos conseils !<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"block-56372f40-51f3-48bc-9405-efe4d9a1fed1\">Conclusion<\/h2>\n\n\n\n<p>Eh bien, nous vous avons donn\u00e9 la r\u00e9ponse: ce produit ne s&rsquo;adresse en r\u00e9alit\u00e9 pas \u00e0 grand monde. Il permet m\u00e9diocrement de se constituer une retraite (pr\u00e9f\u00e9rez la bourse, ou l&rsquo;argent est mieux disponible ou bien l&rsquo;immobilier o\u00f9 l&rsquo;argent est fig\u00e9 mais avec des vrais effets boules de neige et leviers gr\u00e2ce \u00e0 la SCI !). <\/p>\n\n\n\n<p>Nul doute que le PERIN est un pav\u00e9 sur le chemin vers la retraite par capitalisation, les plus optimistes s&rsquo;imaginant un syst\u00e8me \u00e0 l&rsquo;am\u00e9ricaine, les moins optimistes s&rsquo;imaginant un d\u00e9faut de notre syst\u00e8me de retraite par r\u00e9partition.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pr\u00e9sentation Aujourd&rsquo;hui, nous allons parler d&rsquo;une chose totalement diff\u00e9rente sur DentaTest, mais qui vise, comme toujours, \u00e0 \u00e9viter de se faire pigeonner. Le PERIN, c&rsquo;est &hellip; <\/p>\n","protected":false},"author":5,"featured_media":1645,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-1643","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-formation"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>[Retraite] Le Plan Epargne Retraite Individuel (PERIN), qu&#039;est-ce que c&#039;est ?<\/title>\n<meta name=\"description\" content=\"Nous vous donnons notre avis sur le plan d&#039;\u00e9pargne retraite indivuel PERIN. Un bon plan pour les dentistes ? 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