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le PER, nouveau produit d'épargne retraite

Publié le 7 septembre 2020 à 6:00


 

 

Lancé le 1er octobre 2019, le PER, nouveau produit d’épargne retraite qui succède au PERP et au contrat Madelin, rencontre un franc succès auprès des Français avec l’ouverture de plus 84.000 plans d’épargne retraite en l’espace de trois mois.

 

Quelles sont les raisons de cet engouement ?

Le PER peut-il devenir le nouveau placement préféré des Français ?

Le PER et l’assurance-vie sont-ils complémentaires ?


 

 

La crise sanitaire actuelle liée au coronavirus, qui s’accompagne d’une très lourde crise économique, a d’ores et déjà fait une victime collatérale.

 

La réforme des retraites est en effet mise en suspens, reportée, voire purement et simplement annulée.

Pourtant, pour chaque Français, la question de la préparation et du financement de sa retraite reste entière.

 

Comment dès maintenant, est-il possible de se constituer un patrimoine pour compenser la perte de revenus lors du passage à la retraite ?

 

L’assurance-vie ? Malgré la baisse du rendement du fonds en euros, ce contrat demeure toujours en tête de liste des placements préférés des Français.

 

Mais, son principal intérêt est surtout de faciliter la transmission de son patrimoine grâce à une fiscalité avantageuse. A l’inverse, pour ceux qui souhaitent bénéficier de revenus complémentaires pour la retraite, le PER a une réelle carte à jouer en lieu et place de la traditionnelle assurance-vie.

 

Une fiscalité avantageuse :

De fait, ce nouveau placement, qui n’a encore pas fêté sa première année d’existence, bénéficie de nombreux atouts notamment pour les ménages soumis à une tranche marginale d’imposition supérieure à 30 %.

 

L’épargnant a en effet la possibilité de déduire de son revenu imposable les sommes versées sur ce placement pendant l’année, dans la limite de 10 % des revenus professionnels, nets de cotisations, avec une déduction maximale pour 2020 de 32.419 euros.

 

En outre, si à l’année N, ce plafond n’a pas été atteint, il est possible de reporter ce reliquat jusqu’à l’année N+3. Un dispositif qui peut permettre à un épargnant soumis à un taux d’imposition de 45 % de déduire jusqu’à 126.000 euros sur son revenu imposable.

 

Ce placement se révèle aussi très intéressant afin de protéger son conjoint. Grâce à la mutualisation des plafonds de déduction, le conjoint possédant le revenu le plus bas peut bénéficier d’un plafond plus élevé.

 

Le PER constitue donc un outil idéal pour piloter au mieux sa fiscalité, notamment dans les cas d’importants différentiels de revenus au sein d’un couple. Moderne et souple, ce placement possède de nombreux atouts et peut être mis en place dès aujourd’hui pour profiter d’une déduction immédiate grâce au prélèvement à la source.

 

Une sortie en rente favorisée :

A la différence des anciens produits d’épargne retraite, il est possible de récupérer en une seule fois l’intégralité de l’épargne issue des versements volontaires. Cette sortie en capital n’est toutefois qu’une option.

 

L’objectif premier du PER est de faciliter voire de démocratiser la sortie en rente de son produit d’épargne.

Reste que l’investisseur peut finalement opter pour différents schémas de sorties : rente viagère, sortie en capital en plusieurs fois, ou encore sortie en rente et en capital. Mais il est crucial de bien faire attention à la fiscalité en fonction de l’option retenue.

 

Pour profiter au maximum de l’effet de levier offert par ce placement, il est ainsi recommandé de privilégier une sortie en rente.

En effet, si l’épargnant choisi à l’entrée de déduire de son revenu imposable ces versements, ceux-ci seront soumis au barème progressif de l’impôt à la sortie, et cela notamment dans le cas d’une sortie en capital.

 

Même, si dans ce cas de figure, l’épargnant reste toujours gagnant car bien souvent, le taux d’imposition diminue lors du passage à la retraite.

 

Autre atout non négligeable : il est possible en cours de vie du contrat et sous certaines conditions de récupérer le capital investi.

Ainsi, même si, en théorie, l’épargne est bloquée jusqu’au départ en retraite, l’acquisition de sa résidence principale, la perte d’autonomie, le surendettement, le chômage de longue durée, etc. sont autant de motifs de déblocage anticipé du capital.

 

Une souplesse considérable pour l’épargnant qui peut préparer sa retraite en toute sérénité tout en sachant qu’en cas de coup dur, le capital n’est pas immobilisé.

 

Enfin, grâce à de nouvelles règles de transférabilité, il est possible d’y transférer son contrat d’assurance-vie ainsi que l’ensemble des placements d’épargne retraite individuelle et collective déjà acquis vers ce nouveau PER.

 

L’objectif du gouvernement est clair : faire du PER le produit d’épargne retraite qui accompagne les Français tout au long de leur vie.

 

La balle est désormais dans le camp des épargnants pour faire du PER une réelle et totale réussite !

Catégories : RETRAITE

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