Epargne retraite : nos conseils pour bien préparer sa retraite

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src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAHgAAAAUCAYAAABGUvnzAAAAGXRFWHRTb2Z0d2FyZQBBZG9iZSBJbWFnZVJlYWR5ccllPAAAAyJpVFh0WE1MOmNvbS5hZG9iZS54bXAAAAAAADw/eHBhY2tldCBiZWdpbj0i77u/IiBpZD0iVzVNME1wQ2VoaUh6cmVTek5UY3prYzlkIj8+IDx4OnhtcG1ldGEgeG1sbnM6eD0iYWRvYmU6bnM6bWV0YS8iIHg6eG1wdGs9IkFkb2JlIFhNUCBDb3JlIDUuMy1jMDExIDY2LjE0NTY2MSwgMjAxMi8wMi8wNi0xNDo1NjoyNyAgICAgICAgIj4gPHJkZjpSREYgeG1sbnM6cmRmPSJodHRwOi8vd3d3LnczLm9yZy8xOTk5LzAyLzIyLXJkZi1zeW50YXgtbnMjIj4gPHJkZjpEZXNjcmlwdGlvbiByZGY6YWJvdXQ9IiIgeG1sbnM6eG1wPSJodHRwOi8vbnMuYWRvYmUuY29tL3hhcC8xLjAvIiB4bWxuczp4bXBNTT0iaHR0cDovL25zLmFkb2JlLmNvbS94YXAvMS4wL21tLyIgeG1sbnM6c3RSZWY9Imh0dHA6Ly9ucy5hZG9iZS5jb20veGFwLzEuMC9zVHlwZS9SZXNvdXJjZVJlZiMiIHhtcDpDcmVhdG9yVG9vbD0iQWRvYmUgUGhvdG9zaG9wIENTNiAoV2luZG93cykiIHhtcE1NOkluc3RhbmNlSUQ9InhtcC5paWQ6NzNBOEVENzI2QTE1MTFFQjhFQjRERjBDNDcyQUZCMzUiIHhtcE1NOkRvY3VtZW50SUQ9InhtcC5kaWQ6NzNBOEVENzM2QTE1MTFFQjhFQjRERjBDNDcyQUZCMzUiPiA8eG1wTU06RGVyaXZlZEZyb20gc3RSZWY6aW5zdGFuY2VJRD0ieG1wLmlpZDo3M0E4RUQ3MDZBMTUxMUVCOEVCNERGMEM0NzJBRkIzNSIgc3RSZWY6ZG9jdW1lbnRJRD0ieG1wLmRpZDo3M0E4RUQ3MTZBMTUxMUVCOEVCNERGMEM0NzJBRkIzNSIvPiA8L3JkZjpEZXNjcmlwdGlvbj4gPC9yZGY6UkRGPiA8L3g6eG1wbWV0YT4gPD94cGFja2V0IGVuZD0iciI/Pg4IAJgAAApNSURBVHja7FkJcFXVGT73vpu8vJf9JRI2g6hgFe1iCViZQms7Sjdra0e0WGsXhboMWtvaBVurbWdqoVRFwe6WulTbsWWpUNpawYQKBYEAAQIJISGBBEJC3st7edvt99/33Xi4cwM60xlpxpP5Jrn33LP9y/f//4lh/7LKTqbyn8oviN7YES1XSxtrVHO0TIWtlHoL2hPAQeCH6gxvlmWpZDKp/rNxg0okEs7zGdb+Bcyw2mOlD4wu7dp9BMq9b9uH1JGBsKoO96qMbb4VmxoHtKn/k2bbtoMztD0ErLXu3/H+711SfkQd6IuYPan8cVBuM5R7LTqnAh3AIg64DNgJ9PlMNhHIAvv4/AlgGt+9AGzyGfNl4B3Ar4FdfNcKTAc+BqwCTH4j8yb5zfnAXKAZeMwzZxVwD3AM+LHPmu8ErhMH5J7+pPWFeA7Zi05fFwAxGt7ZQIl4hqxvGMaLpuk4wnuBAo4L8Nz7gaOcowK4kO/FIgztvK38+yyeVfbWBJQCEX67kXuQFgYm873IpBeo9OxZWgOwxkzb5s6XDo8Pdw6EA1UFsceg3GXouIEH/gjwMgd8DnjUR2jFwAqgHMgD1gFf50bkYE8Di7XvZWO/Ar7Cb9YDs9kX5yGn8Fk2LvsZyecrSD0ybhawGshn37uAV7gPMZJaru+2BcCfOZeMvwN4lYKUNgF4jkLVmxj4Lfx7MYU9JZ1OP1hSUrKoPFJhJOLx1VD2K5yvDvg3lfQLjqvmOWvZX0s0AitpFGdTdv8E5gFzgJf4vEDbz9eoE5HD7TT2lzmvDll/h5VvZlIjCmJiVSkodyYX+YA24Vbg81TadgrwuNY/j1YoHrEciAIf1foreZCDpI3LAVlnDPufpDG5VrxY874gkAAyfP4p8DjwIz7P1tZ5hAK5lc+z6DHS7gZupKcd0sYsJ8OI4QzQS7ycG9fYQ4xhCYUcymbt6alUOmgGzIwPVReTpYQRnhmCRoNkq58x/xhkf57nNj5fT4eQdpP2neQq15yCpqOmtnlFGprv+Wg5PaJfLAL4jqf/0xSgeFCZR7mKNDWBrBCmojPaRl+lNbqtSPs766Ee8Z5P0mikPaXtv477dA3nDzTEUip7kke50q6mkKcxHKV8FJzWDKwHqM9ms6q0tDTe2Xl4TUd7qxkOF7r9R7i3KTQMaZ8Fxmvz/Y3e+kE6g2LYeLe2thj6HoZERbleQkc4j+8OkIbHanPP5TnfRyf9gp76mfS0ds8B8zQh/wT4DfBNHnwWLb+elDeWFl7mUVKcNDWOm/oSsBC4mbS4VKNvv+zOjVm30+OFkraQVQ6z71s0jr/Ta+ZzrVHACO496Jm/lzH9IlLm6ZqMLQ4Gg6qjo13trN+uDMO0Qc82PTjD+K8bRdLjRP1aIunKtY/G47ZCLSQs0YzxmPbNzzWm0On7FlK+yOxhyyNEY4hDuVRXy43MYYJzm0Y/lfTOOi6gzzvADTXz3VomPEL9PwBqqPShajNDE4h4xHvIGpvIGPXsv5PKupuh5gp6VZRrBn3mfZ7znEMPynq+yXrlEgwWqLbWg+poV6eKVFQikx4cIvH9hEfoSygXt13jwxL30SgNbU2XoRYxgbvLI9elGp0rLQHV2/mWz4FPVx89qiU4IW2hNlLisjeRyj9JNFEox97guNdI8bLW/cBntIPuohV30mtnUsHPnGbOagoy6SOTkwxDKFq8WKApd9DDNQr9LfB7GuRgXPSEoYe5t+k+e+ojw92khSXF7P+4j4LnMpkrYfLZag7htadqy2ilkjU+qwnkd/Serw4x5nn+/UdSs5+HDrWXDgpglQ+7HCINr/PeRWiC3O2J826TeL6XucEeKvlizzfTWPKcan+Glm9MZs4h+L4PjYqcrtKeZ/B3t898ylOB6E7m1+4kUy6icS+0SE2uos/Ryg69tizz8aAbPIsn6dn/YEKwlkK+ns9u8rWBZdJoZt8PcUwfE7V9nvg/nonSLgp/DT2jht4pAu1iefMaSwoxtDsQF68KhQpUwAzMjfX3rycVP8G1pqF/diAQuDcvz+pHRqxSqZRks39lPD/BEHKYCZu0MXCXcoxRgYDpXnKYPIsbpjaf7FiOrnSZXspc4jktufqLpxQarSXU2LPRrCVq7bkcZLCcHqONm6R8rPwbVE6WiUmHj/d5Y9cLpAgvnW1lHBDLvZbJhgj941pcWch3d/EyRcqeBzXL1EuwbsanLN+fy/FuCXS5FtcvZjy/jrHqw0VFhRva2tpVf388OXHCeVMz2cz8RGJgJpRjW5bVDUXV4Lmpu7tH5efnqeKiogfwriWZSl6dTmfsvLy8rZYV+HYGDcmUMk1DypIDNig6kUiq3CWHDRkYKBXtUYz3oHkjYTPSGVAEsAfq+C5DwA7u92bKy8rJ18A89j2s3Tcbjom4aZEtFP0pPix/nbycuRfbubo7djIB2LLWIWPOrV9Uw62JZxUWFqrOzi5VW7dRQWFq0oUXqOrqsShvSlS8P67iiYSKxxNq3/5m1dvbh3iaryKRMlVZEVEVFRVKPD8Wi6mOw0eUGICMi5SXqaPHulVvzwl1IhoFM0DpyPtMJMwi6qyjK0NTjIGfjIOT9gf7Mxz7zPKbXG5nM/k1nPkCnE9UmcypjEqV3zb6DPiPQb+Rd7l5cjtxn4edgnPKDavjPb1q3bo6eFkgAu8MRaOxQyUlxWrEiErVg74ElJtMpQYTpkwm6/zzwDBUqLi4KF6ATBm0rqJQsogcpZB4sHw3Gr/bJZM28IwFBwUK5ZRDxAnDKQttTzjVcyGjJBcCXJp15wgMfms7q7olk03vNKrIEp4bz8Hauev1JDxnDNZwU65QrcTT+vpdjvJCodAovJ8KpR1CjM1vampZDXq+CDRdAwp+EYqTeBcEFZuWFRLK7wZtr4/F4hPxrquosPAyjH+W8bWaJc9kJ/zYDg0ehGIQcmy8s680crRbyEsKJHf2BJaWl/I+ADHTrmQugrzBFh30Yg4kifZU3lmvgve5ucdYzoW17WaGotE5LdrbtGvcToY8fGci/7Flnr5hpWDxMitgqYbdjaqr66gqKioSpUscn4TfkxFfG8LhUIC3SBHGwQTzhh5m22EYwJWW5bjAdIwbYFx368xNzM7PZab8OOOvzNnC69M0k7SdjJ0jWUZ20zjqmCRWMbFdgTlMZuyS0d/L/KaQ+c4MGofBubIcO4U3gRX8p0h1bg17Hi9aNg8rBYcKCpyYuWdvowqHw/pd8tM8fCMVmmZ5tZ1Z6HaWS8d5AeMmoCso6LOo3C1UEmnSSR63sTyqZbm2gDd226iIlawGengX/ghv1tpIqTM5b5oXQi3M3N058lmSbuUZNrEKKNOqjA4yi3uXUELjaxhWCpakZ2BgwKFmKWVYxpxg6bKfAnHLvCgFWE4jSLBvCwNcRLu7PsjLmAFeNbptJd+luMZIftei3UVvc7dHhTdRue4/MdZowXQLlb6XRtdLZWWZJTdoazPeOueLadWHwf2LkdjGGfwP67fb/6CZb4tgeLf/CjAAl4qe1efeUNgAAAAASUVORK5CYII="/></a></li><li 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src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAHgAAAAUCAYAAABGUvnzAAAAGXRFWHRTb2Z0d2FyZQBBZG9iZSBJbWFnZVJlYWR5ccllPAAAAyJpVFh0WE1MOmNvbS5hZG9iZS54bXAAAAAAADw/eHBhY2tldCBiZWdpbj0i77u/IiBpZD0iVzVNME1wQ2VoaUh6cmVTek5UY3prYzlkIj8+IDx4OnhtcG1ldGEgeG1sbnM6eD0iYWRvYmU6bnM6bWV0YS8iIHg6eG1wdGs9IkFkb2JlIFhNUCBDb3JlIDUuMy1jMDExIDY2LjE0NTY2MSwgMjAxMi8wMi8wNi0xNDo1NjoyNyAgICAgICAgIj4gPHJkZjpSREYgeG1sbnM6cmRmPSJodHRwOi8vd3d3LnczLm9yZy8xOTk5LzAyLzIyLXJkZi1zeW50YXgtbnMjIj4gPHJkZjpEZXNjcmlwdGlvbiByZGY6YWJvdXQ9IiIgeG1sbnM6eG1wPSJodHRwOi8vbnMuYWRvYmUuY29tL3hhcC8xLjAvIiB4bWxuczp4bXBNTT0iaHR0cDovL25zLmFkb2JlLmNvbS94YXAvMS4wL21tLyIgeG1sbnM6c3RSZWY9Imh0dHA6Ly9ucy5hZG9iZS5jb20veGFwLzEuMC9zVHlwZS9SZXNvdXJjZVJlZiMiIHhtcDpDcmVhdG9yVG9vbD0iQWRvYmUgUGhvdG9zaG9wIENTNiAoV2luZG93cykiIHhtcE1NOkluc3RhbmNlSUQ9InhtcC5paWQ6NzNBOEVENzI2QTE1MTFFQjhFQjRERjBDNDcyQUZCMzUiIHhtcE1NOkRvY3VtZW50SUQ9InhtcC5kaWQ6NzNBOEVENzM2QTE1MTFFQjhFQjRERjBDNDcyQUZCMzUiPiA8eG1wTU06RGVyaXZlZEZyb20gc3RSZWY6aW5zdGFuY2VJRD0ieG1wLmlpZDo3M0E4RUQ3MDZBMTUxMUVCOEVCNERGMEM0NzJBRkIzNSIgc3RSZWY6ZG9jdW1lbnRJRD0ieG1wLmRpZDo3M0E4RUQ3MTZBMTUxMUVCOEVCNERGMEM0NzJBRkIzNSIvPiA8L3JkZjpEZXNjcmlwdGlvbj4gPC9yZGY6UkRGPiA8L3g6eG1wbWV0YT4gPD94cGFja2V0IGVuZD0iciI/Pg4IAJgAAApNSURBVHja7FkJcFXVGT73vpu8vJf9JRI2g6hgFe1iCViZQms7Sjdra0e0WGsXhboMWtvaBVurbWdqoVRFwe6WulTbsWWpUNpawYQKBYEAAQIJISGBBEJC3st7edvt99/33Xi4cwM60xlpxpP5Jrn33LP9y/f//4lh/7LKTqbyn8oviN7YES1XSxtrVHO0TIWtlHoL2hPAQeCH6gxvlmWpZDKp/rNxg0okEs7zGdb+Bcyw2mOlD4wu7dp9BMq9b9uH1JGBsKoO96qMbb4VmxoHtKn/k2bbtoMztD0ErLXu3/H+711SfkQd6IuYPan8cVBuM5R7LTqnAh3AIg64DNgJ9PlMNhHIAvv4/AlgGt+9AGzyGfNl4B3Ar4FdfNcKTAc+BqwCTH4j8yb5zfnAXKAZeMwzZxVwD3AM+LHPmu8ErhMH5J7+pPWFeA7Zi05fFwAxGt7ZQIl4hqxvGMaLpuk4wnuBAo4L8Nz7gaOcowK4kO/FIgztvK38+yyeVfbWBJQCEX67kXuQFgYm873IpBeo9OxZWgOwxkzb5s6XDo8Pdw6EA1UFsceg3GXouIEH/gjwMgd8DnjUR2jFwAqgHMgD1gFf50bkYE8Di7XvZWO/Ar7Cb9YDs9kX5yGn8Fk2LvsZyecrSD0ybhawGshn37uAV7gPMZJaru+2BcCfOZeMvwN4lYKUNgF4jkLVmxj4Lfx7MYU9JZ1OP1hSUrKoPFJhJOLx1VD2K5yvDvg3lfQLjqvmOWvZX0s0AitpFGdTdv8E5gFzgJf4vEDbz9eoE5HD7TT2lzmvDll/h5VvZlIjCmJiVSkodyYX+YA24Vbg81TadgrwuNY/j1YoHrEciAIf1foreZCDpI3LAVlnDPufpDG5VrxY874gkAAyfP4p8DjwIz7P1tZ5hAK5lc+z6DHS7gZupKcd0sYsJ8OI4QzQS7ycG9fYQ4xhCYUcymbt6alUOmgGzIwPVReTpYQRnhmCRoNkq58x/xhkf57nNj5fT4eQdpP2neQq15yCpqOmtnlFGprv+Wg5PaJfLAL4jqf/0xSgeFCZR7mKNDWBrBCmojPaRl+lNbqtSPs766Ee8Z5P0mikPaXtv477dA3nDzTEUip7kke50q6mkKcxHKV8FJzWDKwHqM9ms6q0tDTe2Xl4TUd7qxkOF7r9R7i3KTQMaZ8Fxmvz/Y3e+kE6g2LYeLe2thj6HoZERbleQkc4j+8OkIbHanPP5TnfRyf9gp76mfS0ds8B8zQh/wT4DfBNHnwWLb+elDeWFl7mUVKcNDWOm/oSsBC4mbS4VKNvv+zOjVm30+OFkraQVQ6z71s0jr/Ta+ZzrVHACO496Jm/lzH9IlLm6ZqMLQ4Gg6qjo13trN+uDMO0Qc82PTjD+K8bRdLjRP1aIunKtY/G47ZCLSQs0YzxmPbNzzWm0On7FlK+yOxhyyNEY4hDuVRXy43MYYJzm0Y/lfTOOi6gzzvADTXz3VomPEL9PwBqqPShajNDE4h4xHvIGpvIGPXsv5PKupuh5gp6VZRrBn3mfZ7znEMPynq+yXrlEgwWqLbWg+poV6eKVFQikx4cIvH9hEfoSygXt13jwxL30SgNbU2XoRYxgbvLI9elGp0rLQHV2/mWz4FPVx89qiU4IW2hNlLisjeRyj9JNFEox97guNdI8bLW/cBntIPuohV30mtnUsHPnGbOagoy6SOTkwxDKFq8WKApd9DDNQr9LfB7GuRgXPSEoYe5t+k+e+ojw92khSXF7P+4j4LnMpkrYfLZag7htadqy2ilkjU+qwnkd/Serw4x5nn+/UdSs5+HDrWXDgpglQ+7HCINr/PeRWiC3O2J826TeL6XucEeKvlizzfTWPKcan+Glm9MZs4h+L4PjYqcrtKeZ/B3t898ylOB6E7m1+4kUy6icS+0SE2uos/Ryg69tizz8aAbPIsn6dn/YEKwlkK+ns9u8rWBZdJoZt8PcUwfE7V9nvg/nonSLgp/DT2jht4pAu1iefMaSwoxtDsQF68KhQpUwAzMjfX3rycVP8G1pqF/diAQuDcvz+pHRqxSqZRks39lPD/BEHKYCZu0MXCXcoxRgYDpXnKYPIsbpjaf7FiOrnSZXspc4jktufqLpxQarSXU2LPRrCVq7bkcZLCcHqONm6R8rPwbVE6WiUmHj/d5Y9cLpAgvnW1lHBDLvZbJhgj941pcWch3d/EyRcqeBzXL1EuwbsanLN+fy/FuCXS5FtcvZjy/jrHqw0VFhRva2tpVf388OXHCeVMz2cz8RGJgJpRjW5bVDUXV4Lmpu7tH5efnqeKiogfwriWZSl6dTmfsvLy8rZYV+HYGDcmUMk1DypIDNig6kUiq3CWHDRkYKBXtUYz3oHkjYTPSGVAEsAfq+C5DwA7u92bKy8rJ18A89j2s3Tcbjom4aZEtFP0pPix/nbycuRfbubo7djIB2LLWIWPOrV9Uw62JZxUWFqrOzi5VW7dRQWFq0oUXqOrqsShvSlS8P67iiYSKxxNq3/5m1dvbh3iaryKRMlVZEVEVFRVKPD8Wi6mOw0eUGICMi5SXqaPHulVvzwl1IhoFM0DpyPtMJMwi6qyjK0NTjIGfjIOT9gf7Mxz7zPKbXG5nM/k1nPkCnE9UmcypjEqV3zb6DPiPQb+Rd7l5cjtxn4edgnPKDavjPb1q3bo6eFkgAu8MRaOxQyUlxWrEiErVg74ElJtMpQYTpkwm6/zzwDBUqLi4KF6ATBm0rqJQsogcpZB4sHw3Gr/bJZM28IwFBwUK5ZRDxAnDKQttTzjVcyGjJBcCXJp15wgMfms7q7olk03vNKrIEp4bz8Hauev1JDxnDNZwU65QrcTT+vpdjvJCodAovJ8KpR1CjM1vampZDXq+CDRdAwp+EYqTeBcEFZuWFRLK7wZtr4/F4hPxrquosPAyjH+W8bWaJc9kJ/zYDg0ehGIQcmy8s680crRbyEsKJHf2BJaWl/I+ADHTrmQugrzBFh30Yg4kifZU3lmvgve5ucdYzoW17WaGotE5LdrbtGvcToY8fGci/7Flnr5hpWDxMitgqYbdjaqr66gqKioSpUscn4TfkxFfG8LhUIC3SBHGwQTzhh5m22EYwJWW5bjAdIwbYFx368xNzM7PZab8OOOvzNnC69M0k7SdjJ0jWUZ20zjqmCRWMbFdgTlMZuyS0d/L/KaQ+c4MGofBubIcO4U3gRX8p0h1bg17Hi9aNg8rBYcKCpyYuWdvowqHw/pd8tM8fCMVmmZ5tZ1Z6HaWS8d5AeMmoCso6LOo3C1UEmnSSR63sTyqZbm2gDd226iIlawGengX/ghv1tpIqTM5b5oXQi3M3N058lmSbuUZNrEKKNOqjA4yi3uXUELjaxhWCpakZ2BgwKFmKWVYxpxg6bKfAnHLvCgFWE4jSLBvCwNcRLu7PsjLmAFeNbptJd+luMZIftei3UVvc7dHhTdRue4/MdZowXQLlb6XRtdLZWWZJTdoazPeOueLadWHwf2LkdjGGfwP67fb/6CZb4tgeLf/CjAAl4qe1efeUNgAAAAASUVORK5CYII="/></a></li><li 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src="data:image/png;base64,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"/></a></li><li 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src="data:image/png;base64,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"/></a></li><li 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class="fh-sub-rubrics__list" id="menu181418" aria-labelledby="parent181418"><li class="fh-sub-rubrics__item"><a href="https://bourse.lefigaro.fr/" class="fh-sub-rubrics__lk">Bourse</a><ul class="fh-ssub-rubrics__list"><li><a href="https://bourse.lefigaro.fr/" class="fh-ssub-rubrics__lk">Actualité Bourse</a></li><li><a href="https://data-bourse.lefigaro.fr/indices/CAC-40/PX1-FR" class="fh-ssub-rubrics__lk">CAC 40</a></li><li><a href="https://bourse.lefigaro.fr/expertise" class="fh-ssub-rubrics__lk">Conseils actions</a></li><li><a href="https://bourse.lefigaro.fr/indices" class="fh-ssub-rubrics__lk">Indices et palmarès</a></li><li><a href="https://data-bourse.lefigaro.fr/portefeuille" class="fh-ssub-rubrics__lk">Portefeuille actions de la rédaction</a></li></ul></li><li class="fh-sub-rubrics__item"><span>Partenaires</span><ul class="fh-ssub-rubrics__list"><li class="fh-partner"><a class="fh-partner__lk" href="https://entreprise-innovation.lefigaro.fr/"><span class="fh-partner__title">Les 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src="data:image/png;base64,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"/></a></li><li class="fh-partner"><a class="fh-partner__lk" href="https://bourse.lefigaro.fr/expertise/dossier/comment-diversifier-vos-placements"><span class="fh-partner__title">Optimisez et diversifiez vos investissements</span><img class="fh-partner__logo" alt="Optimisez et diversifiez vos investissements" 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class="fh-partner"><a class="fh-partner__lk" href="https://partenaire.leparticulier.fr/jcms/p1_1651427/portail-lcl"><span class="fh-partner__title">LCL Banque Privée</span><img class="fh-partner__logo" alt="LCL Banque Privée" 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class="fh-partner"><a class="fh-partner__lk" href="https://leparticulier.lefigaro.fr/dossier/videos-en-plateau-avec"><span class="fh-partner__title">Conférences en ligne</span><img class="fh-partner__logo" alt="Conférences en ligne" src="data:image/png;base64,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href="https://leparticulier.lefigaro.fr/jcms/c_113077/argent" class="fig-breadcrumb__link"><span class="fig-breadcrumb__text">Placements et patrimoine</span></a></li></ol> </nav> <h1 class="fig-main-title fig-main-title--section fig-pagination__hidden">Epargne retraite</h1> </div> <div class="fig-main-wrapper fig-layout fig-layout--wrapped" data-layout-container> <div class="fig-main-col"> <div class="fig-main"> <div class="fig-list-articles" > <p class="fig-list-articles__title">Epargne retraite</p> <article class="fig-ranking-profile-container fig-ranking-profile-highlight fig-ranking-profile--premium" data-content-name="article" data-module="fig-ranking-profile-container" > <a href="https://leparticulier.lefigaro.fr/jcms/c_119428/impot-sur-le-revenu/apres-75-ans-puis-je-encore-deduire-de-mon-revenu-imposable-les-sommes-versees-sur-mon-plan-d-epargne-retraite-20241229" class="fig-ranking-profile-link" aria-label="Après 75 ans, puis-je encore déduire de mon revenu imposable les sommes versées sur mon plan d’épargne retraite ? (article Premium)" title="Après 75 ans, puis-je encore déduire de mon revenu imposable les sommes versées sur mon plan d’épargne retraite ? (article Premium)" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline fig-premium-mark fig-ranking-profile-headline-highlight" >Après 75 ans, puis-je encore déduire de mon revenu imposable les sommes versées sur mon plan d’épargne retraite ?</h2> </a> <figure class="fig-ranking-profile-media-highlight" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9"> <img srcset="https://i.f1g.fr/media/cms/376x212_crop/2024/12/23/3db3a49542039c16b10e2273e418ac555a7304bb29a07727809bc5375ba34f09.jpg 376w, https://i.f1g.fr/media/cms/616x347_crop/2024/12/23/3db3a49542039c16b10e2273e418ac555a7304bb29a07727809bc5375ba34f09.jpg 616w, https://i.f1g.fr/media/cms/704x396_crop/2024/12/23/3db3a49542039c16b10e2273e418ac555a7304bb29a07727809bc5375ba34f09.jpg 704w" sizes="(min-width: 80em) 616px, (min-width: 64em) 376px, (min-width: 48em) 704px, calc(100vw - 32px)" class="fig-img fig-ranking-profile-media-highlight__photo" alt="Après 75 ans, puis-je encore déduire de mon revenu imposable les sommes versées sur mon plan d’épargne retraite ?" height="1340" width="2237" fetchpriority="high" onerror="this.classList.add('fig-img--error');" onload="if(this.complete){this.classList.add('fig-img--complete');if(this.closest('.fig-placeholder')){this.closest('.fig-placeholder').classList.add('fig-placeholder--transparent')}}"/></div></figure> <p class="fig-ranking-profile-standfirst fig-ranking-profile-standfirst-highlight"> Les rédactions du Particulier vous apportent leur expertise sur les questions réglementaires, fiscales ou financières pour vous aider dans vos démarches. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture fig-ranking-profile--premium " data-content-name="article" data-module="fig-ranking-profile-container" > <a href="https://leparticulier.lefigaro.fr/placements-bancaires/3-solutions-pour-investir-dans-les-entreprises-a-fort-potentiel-sans-passer-par-la-bourse-20241211" class="fig-ranking-profile-link" aria-label="3 solutions pour investir dans les entreprises à fort potentiel, sans passer par la Bourse (article Premium)" title="3 solutions pour investir dans les entreprises à fort potentiel, sans passer par la Bourse (article Premium)" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline fig-premium-mark " >3 solutions pour investir dans les entreprises à fort potentiel, sans passer par la Bourse</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9"><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/12/02/1dd4062128853b410343a492104e189dab33a4ed9d9da75f5ecffcdbdcb081ab.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/12/02/1dd4062128853b410343a492104e189dab33a4ed9d9da75f5ecffcdbdcb081ab.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/12/02/1dd4062128853b410343a492104e189dab33a4ed9d9da75f5ecffcdbdcb081ab.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="3 solutions pour investir dans les entreprises à fort potentiel, sans passer par la Bourse" height="2003" width="3000" onerror="this.classList.add('fig-img--error');" onload="if(this.complete){this.classList.add('fig-img--complete');if(this.closest('.fig-placeholder')){this.closest('.fig-placeholder').classList.add('fig-placeholder--transparent')}}"/></div></figure> <p class="fig-ranking-profile-standfirst"> BIEN INVESTIR EN 2025. Désormais obligatoires dans la gestion des plans d’épargne retraite et de l’assurance vie, les fonds d’investissement dans le non coté offrent des performances alléchantes, en contrepartie d’un risque élevé et d’une épargne bloquée peu liquide. Pour les particuliers, plusieurs véhicules permettent d’y accéder facilement. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture fig-ranking-profile--premium " data-content-name="article" data-module="fig-ranking-profile-container" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/choisir-les-supports-et-le-mode-de-gestion-de-son-plan-d-epargne-retraite-pour-faire-fructifier-son-capital-20241205" class="fig-ranking-profile-link" aria-label="Choisir les supports et le mode de gestion de son plan d’épargne retraite pour faire fructifier son capital (article Premium)" title="Choisir les supports et le mode de gestion de son plan d’épargne retraite pour faire fructifier son capital (article Premium)" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline fig-premium-mark " >Choisir les supports et le mode de gestion de son plan d’épargne retraite pour faire fructifier son capital</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9"><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/11/29/03aedd325020f79a211b08b20d2df82b39008563484cbae9a0903fc6756cb72f.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/11/29/03aedd325020f79a211b08b20d2df82b39008563484cbae9a0903fc6756cb72f.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/11/29/03aedd325020f79a211b08b20d2df82b39008563484cbae9a0903fc6756cb72f.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Choisir les supports et le mode de gestion de son plan d’épargne retraite pour faire fructifier son capital" height="1500" width="3000" onerror="this.classList.add('fig-img--error');" onload="if(this.complete){this.classList.add('fig-img--complete');if(this.closest('.fig-placeholder')){this.closest('.fig-placeholder').classList.add('fig-placeholder--transparent')}}"/></div></figure> <p class="fig-ranking-profile-standfirst"> Le plan d’épargne retraite (PER) propose une variété de supports d’investissement et deux modes de gestion : pilotée ou libre. Découvrez comment choisir les supports et la gestion adaptés à votre profil et vos objectifs financiers. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture fig-ranking-profile--premium " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/de-la-souscription-a-la-liquidation-comment-evaluer-le-poids-des-frais-dans-les-plans-d-epargne-retraite-20241204" class="fig-ranking-profile-link" aria-label="De la souscription à la liquidation : comment évaluer le poids des frais dans les plans d’épargne retraite (article Premium)" title="De la souscription à la liquidation : comment évaluer le poids des frais dans les plans d’épargne retraite (article Premium)" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline fig-premium-mark " >De la souscription à la liquidation : comment évaluer le poids des frais dans les plans d’épargne retraite</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/11/29/b0205c44e5be6bf66ce101ed86b4d327a769f48bee3fa653e70e910e5ee8dc85.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/11/29/b0205c44e5be6bf66ce101ed86b4d327a769f48bee3fa653e70e910e5ee8dc85.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/11/29/b0205c44e5be6bf66ce101ed86b4d327a769f48bee3fa653e70e910e5ee8dc85.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="De la souscription à la liquidation : comment évaluer le poids des frais dans les plans d’épargne retraite" height="2001" width="3000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/11/29/b0205c44e5be6bf66ce101ed86b4d327a769f48bee3fa653e70e910e5ee8dc85.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/11/29/b0205c44e5be6bf66ce101ed86b4d327a769f48bee3fa653e70e910e5ee8dc85.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/11/29/b0205c44e5be6bf66ce101ed86b4d327a769f48bee3fa653e70e910e5ee8dc85.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="De la souscription à la liquidation : comment évaluer le poids des frais dans les plans d’épargne retraite" height="2001" width="3000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Pour bénéficier pleinement des avantages du plan d’épargne retraite (PER), il est essentiel de bien comprendre les frais associés. De la souscription à la liquidation, l’ensemble des frais, souvent élevés, impacte le rendement de votre épargne à long terme. Voici quelques repères pour vous aider à comparer les offres et optimiser vos placements. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture fig-ranking-profile--premium " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/placements-bancaires/en-rente-en-capital-ou-mixte-bien-choisir-les-modalites-de-liquidation-de-son-plan-d-epargne-retraite-20241203" class="fig-ranking-profile-link" aria-label="En rente, en capital ou mixte : bien choisir les modalités de liquidation de son plan d’épargne retraite (article Premium)" title="En rente, en capital ou mixte : bien choisir les modalités de liquidation de son plan d’épargne retraite (article Premium)" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline fig-premium-mark " >En rente, en capital ou mixte : bien choisir les modalités de liquidation de son plan d’épargne retraite</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/11/29/64b854d786716d425477eef737f910414bbfd4a3738a4368e8b6be8e929435a8.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/11/29/64b854d786716d425477eef737f910414bbfd4a3738a4368e8b6be8e929435a8.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/11/29/64b854d786716d425477eef737f910414bbfd4a3738a4368e8b6be8e929435a8.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="En rente, en capital ou mixte : bien choisir les modalités de liquidation de son plan d’épargne retraite" height="2000" width="3000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/11/29/64b854d786716d425477eef737f910414bbfd4a3738a4368e8b6be8e929435a8.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/11/29/64b854d786716d425477eef737f910414bbfd4a3738a4368e8b6be8e929435a8.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/11/29/64b854d786716d425477eef737f910414bbfd4a3738a4368e8b6be8e929435a8.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="En rente, en capital ou mixte : bien choisir les modalités de liquidation de son plan d’épargne retraite" height="2000" width="3000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Le plan d’épargne retraite (PER) offre plusieurs options de sortie : en rente viagère, en capital, ou une combinaison des deux. Cependant, certaines situations permettent un déblocage anticipé. Découvrez les conditions et avantages fiscaux liés à chaque mode de sortie pour optimiser votre retraite. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture fig-ranking-profile--premium " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/l-epargne-retraite-doit-aussi-etre-partagee-en-cas-de-divorce-20241128" class="fig-ranking-profile-link" aria-label="L’épargne retraite doit aussi être partagée en cas de divorce (article Premium)" title="L’épargne retraite doit aussi être partagée en cas de divorce (article Premium)" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline fig-premium-mark " >L’épargne retraite doit aussi être partagée en cas de divorce</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/11/26/739603bdb76e6ee725c295b06257e75066520fb6436cce0792451cf84c496f23.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/11/26/739603bdb76e6ee725c295b06257e75066520fb6436cce0792451cf84c496f23.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/11/26/739603bdb76e6ee725c295b06257e75066520fb6436cce0792451cf84c496f23.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="L’épargne retraite doit aussi être partagée en cas de divorce" height="1551" width="3000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/11/26/739603bdb76e6ee725c295b06257e75066520fb6436cce0792451cf84c496f23.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/11/26/739603bdb76e6ee725c295b06257e75066520fb6436cce0792451cf84c496f23.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/11/26/739603bdb76e6ee725c295b06257e75066520fb6436cce0792451cf84c496f23.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="L’épargne retraite doit aussi être partagée en cas de divorce" height="1551" width="3000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> L’époux qui a alimenté avec ses revenus un compte épargne retraite doit indemniser la communauté lors d’un divorce. </p> </article> </div> <div class="fig-list-articles" > <p class="fig-list-articles__title">Epargne retraite</p> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture fig-ranking-profile--premium " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/les-meilleurs-plans-d-epargne-retraite-proposes-avec-des-frais-d-entree-a-0-20241031" class="fig-ranking-profile-link" aria-label="Les meilleurs plans d’épargne retraite proposés avec des frais d’entrée à 0% (article Premium)" title="Les meilleurs plans d’épargne retraite proposés avec des frais d’entrée à 0% (article Premium)" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline fig-premium-mark " >Les meilleurs plans d’épargne retraite proposés avec des frais d’entrée à 0%</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/10/30/39228ec87f1a694610949a9ef9c9126ddf261a0c0059127e44f28d68778d66cb.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/10/30/39228ec87f1a694610949a9ef9c9126ddf261a0c0059127e44f28d68778d66cb.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/10/30/39228ec87f1a694610949a9ef9c9126ddf261a0c0059127e44f28d68778d66cb.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Les meilleurs plans d’épargne retraite proposés avec des frais d’entrée à 0%" height="1080" width="1920"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/10/30/39228ec87f1a694610949a9ef9c9126ddf261a0c0059127e44f28d68778d66cb.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/10/30/39228ec87f1a694610949a9ef9c9126ddf261a0c0059127e44f28d68778d66cb.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/10/30/39228ec87f1a694610949a9ef9c9126ddf261a0c0059127e44f28d68778d66cb.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Les meilleurs plans d’épargne retraite proposés avec des frais d’entrée à 0%" height="1080" width="1920"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Pour la 5<sup>e </sup>édition de notre palmarès des plans d'épargne retraite (PER), nous avons distingué les meilleurs produits proposés sur Internet à 0 % de frais d’entrée. L'occasion de trouver le PER le plus adapté à vos besoins, parmi les 15 contrats de la catégorie. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture fig-ranking-profile--premium " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/les-meilleurs-plans-d-epargne-retraite-reperes-parmi-75-contrats-palmares-per-20241031" class="fig-ranking-profile-link" aria-label="Les meilleurs plans d’épargne retraite repérés parmi 75 contrats décortiqués (article Premium)" title="Les meilleurs plans d’épargne retraite repérés parmi 75 contrats décortiqués (article Premium)" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline fig-premium-mark " >Les meilleurs plans d’épargne retraite repérés parmi 75 contrats décortiqués</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/10/30/f02706264108ddc593cc1691a9664a20c9d8953d5b5eb990ed8eb491af302cd7.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/10/30/f02706264108ddc593cc1691a9664a20c9d8953d5b5eb990ed8eb491af302cd7.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/10/30/f02706264108ddc593cc1691a9664a20c9d8953d5b5eb990ed8eb491af302cd7.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Les meilleurs plans d’épargne retraite repérés parmi 75 contrats décortiqués" height="1080" width="1920"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/10/30/f02706264108ddc593cc1691a9664a20c9d8953d5b5eb990ed8eb491af302cd7.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/10/30/f02706264108ddc593cc1691a9664a20c9d8953d5b5eb990ed8eb491af302cd7.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/10/30/f02706264108ddc593cc1691a9664a20c9d8953d5b5eb990ed8eb491af302cd7.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Les meilleurs plans d’épargne retraite repérés parmi 75 contrats décortiqués" height="1080" width="1920"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Pour la 5<sup>e</sup> édition de notre palmarès des plans d'épargne retraite (PER), nous avons analysé 75 contrats. L'occasion de trouver le produit le mieux adapté à vos besoins. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture fig-ranking-profile--premium " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/plan-d-epargne-retraite-nos-conseils-pour-gagner-plus-en-reduisant-votre-impot-sur-le-revenu-20241030" class="fig-ranking-profile-link" aria-label="Plan d’épargne retraite : nos conseils pour gagner plus en réduisant votre impôt sur le revenu (article Premium)" title="Plan d’épargne retraite : nos conseils pour gagner plus en réduisant votre impôt sur le revenu (article Premium)" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline fig-premium-mark " >Plan d’épargne retraite : nos conseils pour gagner plus en réduisant votre impôt sur le revenu</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/10/25/7df95d5ccdfdbe15c5f48bafab21d6417824ff5d136977d212da3e6752d4bbd0.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/10/25/7df95d5ccdfdbe15c5f48bafab21d6417824ff5d136977d212da3e6752d4bbd0.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/10/25/7df95d5ccdfdbe15c5f48bafab21d6417824ff5d136977d212da3e6752d4bbd0.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Plan d’épargne retraite : nos conseils pour gagner plus en réduisant votre impôt sur le revenu" height="2003" width="3000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/10/25/7df95d5ccdfdbe15c5f48bafab21d6417824ff5d136977d212da3e6752d4bbd0.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/10/25/7df95d5ccdfdbe15c5f48bafab21d6417824ff5d136977d212da3e6752d4bbd0.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/10/25/7df95d5ccdfdbe15c5f48bafab21d6417824ff5d136977d212da3e6752d4bbd0.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Plan d’épargne retraite : nos conseils pour gagner plus en réduisant votre impôt sur le revenu" height="2003" width="3000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Bloqué jusqu’à la retraite, l’argent investi dans un plan d’épargne retraite (PER) permet de réduire son impôt sur le revenu. Et si vous disposez de temps, vous pouvez investir sur des supports risqués et ainsi espérer plus de rendement. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture fig-ranking-profile--premium " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/compte-titres-collectif-ou-a-points-ces-plans-d-epargne-retraite-meconnus-a-decouvrir-20241028" class="fig-ranking-profile-link" aria-label="Compte-titres, collectif ou à points : ces plans d’épargne retraite méconnus à découvrir (article Premium)" title="Compte-titres, collectif ou à points : ces plans d’épargne retraite méconnus à découvrir (article Premium)" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline fig-premium-mark " >Compte-titres, collectif ou à points : ces plans d’épargne retraite méconnus à découvrir</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/10/24/1ba6c087c413256462b55d6f3228265d1fa592cef7e1fddec9e8fa611f465e38.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/10/24/1ba6c087c413256462b55d6f3228265d1fa592cef7e1fddec9e8fa611f465e38.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/10/24/1ba6c087c413256462b55d6f3228265d1fa592cef7e1fddec9e8fa611f465e38.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Compte-titres, collectif ou à points : ces plans d’épargne retraite méconnus à découvrir" height="2057" width="3000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/10/24/1ba6c087c413256462b55d6f3228265d1fa592cef7e1fddec9e8fa611f465e38.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/10/24/1ba6c087c413256462b55d6f3228265d1fa592cef7e1fddec9e8fa611f465e38.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/10/24/1ba6c087c413256462b55d6f3228265d1fa592cef7e1fddec9e8fa611f465e38.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Compte-titres, collectif ou à points : ces plans d’épargne retraite méconnus à découvrir" height="2057" width="3000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> La plupart des plans d'épargne retraite (PER) sont des contrats d'assurance individuels. Mais il en existe d’autres. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/ces-trois-atouts-du-plan-d-epargne-retraite-a-l-origine-de-son-succes-20241026" class="fig-ranking-profile-link" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline " >Ces 3 atouts du plan d’épargne retraite à l’origine de son succès</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/10/25/555787333bbff5d397e6fc179ec77179f154a8807e58768c24a7fedd0f9954f8.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/10/25/555787333bbff5d397e6fc179ec77179f154a8807e58768c24a7fedd0f9954f8.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/10/25/555787333bbff5d397e6fc179ec77179f154a8807e58768c24a7fedd0f9954f8.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Ces 3 atouts du plan d’épargne retraite à l’origine de son succès" height="2001" width="3000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/10/25/555787333bbff5d397e6fc179ec77179f154a8807e58768c24a7fedd0f9954f8.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/10/25/555787333bbff5d397e6fc179ec77179f154a8807e58768c24a7fedd0f9954f8.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/10/25/555787333bbff5d397e6fc179ec77179f154a8807e58768c24a7fedd0f9954f8.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Ces 3 atouts du plan d’épargne retraite à l’origine de son succès" height="2001" width="3000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Depuis son lancement en 2019, le plan d’épargne retraite (PER) connaît un véritable engouement. Parmi ses atouts, il permet notamment de regrouper dans un seul produit tous ses anciens contrats d’épargne retraite. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_113078/placements-immobiliers/epargne-et-placements-financiers-les-changements-cles-de-la-rentree-2024-20240909" class="fig-ranking-profile-link" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline " >Epargne et placements financiers : les changements clés de la rentrée 2024</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/09/06/649e8f00822ec5f81c9d6e9e8d6ab0c8637cdb0fc07fb2c8cfb3652233420d2d.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/09/06/649e8f00822ec5f81c9d6e9e8d6ab0c8637cdb0fc07fb2c8cfb3652233420d2d.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/09/06/649e8f00822ec5f81c9d6e9e8d6ab0c8637cdb0fc07fb2c8cfb3652233420d2d.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Epargne et placements financiers : les changements clés de la rentrée 2024" height="1768" width="3000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/09/06/649e8f00822ec5f81c9d6e9e8d6ab0c8637cdb0fc07fb2c8cfb3652233420d2d.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/09/06/649e8f00822ec5f81c9d6e9e8d6ab0c8637cdb0fc07fb2c8cfb3652233420d2d.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/09/06/649e8f00822ec5f81c9d6e9e8d6ab0c8637cdb0fc07fb2c8cfb3652233420d2d.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Epargne et placements financiers : les changements clés de la rentrée 2024" height="1768" width="3000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Des nouvelles mesures annoncées cet été ou entrant en vigueur dans les prochaines semaines peuvent concerner vos investissements. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture fig-ranking-profile--premium " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/des-evolutions-majeures-si-vous-ouvrez-un-nouveau-plan-d-epargne-retraite-a-la-rentree-2024-20240720" class="fig-ranking-profile-link" aria-label="Le non coté va s’inviter de manière obligatoire dans les plans d'épargne retraite ouverts dès la rentrée 2024 (article Premium)" title="Le non coté va s’inviter de manière obligatoire dans les plans d'épargne retraite ouverts dès la rentrée 2024 (article Premium)" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline fig-premium-mark " >Le non coté va s’inviter de manière obligatoire dans les plans d'épargne retraite ouverts dès la rentrée 2024</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/07/19/496ca0456bac75c45d2acf18631db6782bbf337343383fce583ba0c1ce0b6002.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/07/19/496ca0456bac75c45d2acf18631db6782bbf337343383fce583ba0c1ce0b6002.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/07/19/496ca0456bac75c45d2acf18631db6782bbf337343383fce583ba0c1ce0b6002.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Le non coté va s’inviter de manière obligatoire dans les plans d'épargne retraite ouverts dès la rentrée 2024" height="2000" width="3000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/07/19/496ca0456bac75c45d2acf18631db6782bbf337343383fce583ba0c1ce0b6002.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/07/19/496ca0456bac75c45d2acf18631db6782bbf337343383fce583ba0c1ce0b6002.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/07/19/496ca0456bac75c45d2acf18631db6782bbf337343383fce583ba0c1ce0b6002.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Le non coté va s’inviter de manière obligatoire dans les plans d'épargne retraite ouverts dès la rentrée 2024" height="2000" width="3000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> À partir du 24 octobre prochain, les épargnants qui ouvriront un plan d’épargne retraite (PER) devront investir une partie de leurs versements sur des fonds non cotés, s’ils choisissent la gestion pilotée. Une réforme majeure destinée à doper le rendement du PER mais qui pose de nombreuses questions. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture fig-ranking-profile--premium " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/plan-d-epargne-retraite-prives-de-nouveaux-versements-les-mineurs-peuvent-recuperer-leur-argent-avant-leur-majorite-20240218" class="fig-ranking-profile-link" aria-label="Plan d’épargne retraite : privés de nouveaux versements, les mineurs peuvent récupérer leur argent avant leur majorité (article Premium)" title="Plan d’épargne retraite : privés de nouveaux versements, les mineurs peuvent récupérer leur argent avant leur majorité (article Premium)" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline fig-premium-mark " >Plan d’épargne retraite : privés de nouveaux versements, les mineurs peuvent récupérer leur argent avant leur majorité</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/02/16/9356ecc1705652c32dbd1ffd579d9fa161b6746f8dd282b1d1df4a32c9cfd07b.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/02/16/9356ecc1705652c32dbd1ffd579d9fa161b6746f8dd282b1d1df4a32c9cfd07b.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/02/16/9356ecc1705652c32dbd1ffd579d9fa161b6746f8dd282b1d1df4a32c9cfd07b.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Plan d’épargne retraite : privés de nouveaux versements, les mineurs peuvent récupérer leur argent avant leur majorité" height="1333" width="2000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2024/02/16/9356ecc1705652c32dbd1ffd579d9fa161b6746f8dd282b1d1df4a32c9cfd07b.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2024/02/16/9356ecc1705652c32dbd1ffd579d9fa161b6746f8dd282b1d1df4a32c9cfd07b.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2024/02/16/9356ecc1705652c32dbd1ffd579d9fa161b6746f8dd282b1d1df4a32c9cfd07b.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Plan d’épargne retraite : privés de nouveaux versements, les mineurs peuvent récupérer leur argent avant leur majorité" height="1333" width="2000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Depuis le 1<sup>er</sup> janvier, le Plan d’épargne retraite (PER) n’est plus accessible aux mineurs. Et s’ils ne veulent pas voir leur argent bloqué jusqu’à la retraite, ils ont la possibilité de le récupérer avant l’échéance des 18 ans. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture fig-ranking-profile--premium " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/depart-a-la-retraite-gare-aux-conditions-du-deblocage-de-l-epargne-salariale-placee-sur-un-pee-20231108" class="fig-ranking-profile-link" aria-label="Départ à la retraite : gare aux conditions de déblocage du PEE (article Premium)" title="Départ à la retraite : gare aux conditions de déblocage du PEE (article Premium)" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline fig-premium-mark " >Départ à la retraite : gare aux conditions de déblocage du PEE</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/11/07/869a7efd08658f644b84154c901e2bdacd54eafe6769fecb7fd35ce317f90fd3.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/11/07/869a7efd08658f644b84154c901e2bdacd54eafe6769fecb7fd35ce317f90fd3.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/11/07/869a7efd08658f644b84154c901e2bdacd54eafe6769fecb7fd35ce317f90fd3.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Départ à la retraite : gare aux conditions de déblocage du PEE" height="2143" width="3000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/11/07/869a7efd08658f644b84154c901e2bdacd54eafe6769fecb7fd35ce317f90fd3.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/11/07/869a7efd08658f644b84154c901e2bdacd54eafe6769fecb7fd35ce317f90fd3.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/11/07/869a7efd08658f644b84154c901e2bdacd54eafe6769fecb7fd35ce317f90fd3.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Départ à la retraite : gare aux conditions de déblocage du PEE" height="2143" width="3000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> En cas de départ en retraite, un salarié peut demander le déblocage anticipé de son plan d'épargne entreprise (PEE) pour la cessation de son contrat de travail. Attention, certaines conditions à respecter pour récupérer l’intégralité des sommes placées sur son PEE, au moment souhaité. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture fig-ranking-profile--premium " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/le-per-un-placement-efficace-pour-mettre-de-l-argent-de-cote-tout-en-reduisant-ses-impots-20231031" class="fig-ranking-profile-link" aria-label="Le PER, un placement efficace pour mettre de l’argent de côté tout en réduisant ses impôts (article Premium)" title="Le PER, un placement efficace pour mettre de l’argent de côté tout en réduisant ses impôts (article Premium)" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline fig-premium-mark " >Le PER, un placement efficace pour mettre de l’argent de côté tout en réduisant ses impôts</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/10/26/84f57926dd7a5028270afd60bd606d280998a8296c62144738a735b9a84d2388.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/10/26/84f57926dd7a5028270afd60bd606d280998a8296c62144738a735b9a84d2388.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/10/26/84f57926dd7a5028270afd60bd606d280998a8296c62144738a735b9a84d2388.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Le PER, un placement efficace pour mettre de l’argent de côté tout en réduisant ses impôts" height="720" width="1280"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/10/26/84f57926dd7a5028270afd60bd606d280998a8296c62144738a735b9a84d2388.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/10/26/84f57926dd7a5028270afd60bd606d280998a8296c62144738a735b9a84d2388.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/10/26/84f57926dd7a5028270afd60bd606d280998a8296c62144738a735b9a84d2388.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Le PER, un placement efficace pour mettre de l’argent de côté tout en réduisant ses impôts" height="720" width="1280"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Le Plan d'épargne retraite (PER) permet de se constituer un complément de revenus en vue de la retraite, sous forme de rente ou en capital. Comment y souscrire ? Quels sont les avantages fiscaux ? Les réponses dans le webinaire du Particulier animé par le journaliste fiscaliste Arnaud Saugeras. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture fig-ranking-profile--premium " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/le-palmares-des-meilleurs-per-parmi-70-contrats-20231021" class="fig-ranking-profile-link" aria-label="Le palmarès des meilleurs PER parmi 70 contrats (article Premium)" title="Le palmarès des meilleurs PER parmi 70 contrats (article Premium)" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline fig-premium-mark " >Le palmarès des meilleurs PER parmi 70 contrats</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/10/20/4cfefe401ed255ff848cf4a8211a7ad24010dc34fefa4f4e7da01ab2be71031a.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/10/20/4cfefe401ed255ff848cf4a8211a7ad24010dc34fefa4f4e7da01ab2be71031a.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/10/20/4cfefe401ed255ff848cf4a8211a7ad24010dc34fefa4f4e7da01ab2be71031a.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Le palmarès des meilleurs PER parmi 70 contrats" height="1333" width="2000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/10/20/4cfefe401ed255ff848cf4a8211a7ad24010dc34fefa4f4e7da01ab2be71031a.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/10/20/4cfefe401ed255ff848cf4a8211a7ad24010dc34fefa4f4e7da01ab2be71031a.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/10/20/4cfefe401ed255ff848cf4a8211a7ad24010dc34fefa4f4e7da01ab2be71031a.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Le palmarès des meilleurs PER parmi 70 contrats" height="1333" width="2000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Pour notre 4e édition de notre palmarès des plans d’épargne retraite (PER), nous avons analysé près de 70 contrats. L’occasion de trouver le produit le plus adapté à vos besoins. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/epargne-retraite-hausse-du-montant-de-la-rente-exigee-pour-pouvoir-sortir-en-capital-20230727" class="fig-ranking-profile-link" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline " >Épargne retraite : hausse du montant de la rente exigée pour pouvoir sortir en capital</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/07/27/55bea628ced5dfa4ca79495d576f9da8047b5ddd6ebf7ee40c45c2f0301e25c6.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/07/27/55bea628ced5dfa4ca79495d576f9da8047b5ddd6ebf7ee40c45c2f0301e25c6.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/07/27/55bea628ced5dfa4ca79495d576f9da8047b5ddd6ebf7ee40c45c2f0301e25c6.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Épargne retraite : hausse du montant de la rente exigée pour pouvoir sortir en capital" height="2000" width="3000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/07/27/55bea628ced5dfa4ca79495d576f9da8047b5ddd6ebf7ee40c45c2f0301e25c6.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/07/27/55bea628ced5dfa4ca79495d576f9da8047b5ddd6ebf7ee40c45c2f0301e25c6.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/07/27/55bea628ced5dfa4ca79495d576f9da8047b5ddd6ebf7ee40c45c2f0301e25c6.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Épargne retraite : hausse du montant de la rente exigée pour pouvoir sortir en capital" height="2000" width="3000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Plan d'épargne retraite populaire (Perp), contrat Madelin ou encore article 83... Les épargnants peuvent désormais liquider leurs contrats d'épargne retraite en un versement unique, mais uniquement si la rente promise est inférieure à un certain plafond. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture fig-ranking-profile--premium " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/plan-d-epargne-retraite-un-bon-outil-patrimonial-pour-transmettre-et-proteger-son-conjoint-20230717" class="fig-ranking-profile-link" aria-label="Plan d'épargne retraite : un bon outil patrimonial pour transmettre et protéger son conjoint (article Premium)" title="Plan d'épargne retraite : un bon outil patrimonial pour transmettre et protéger son conjoint (article Premium)" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline fig-premium-mark " >Plan d'épargne retraite : un bon outil patrimonial pour transmettre et protéger son conjoint</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/06/30/221deaad6b6c67d7f738321cfdbd68cca27bc40e3adf3cead6922e525cb25711.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/06/30/221deaad6b6c67d7f738321cfdbd68cca27bc40e3adf3cead6922e525cb25711.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/06/30/221deaad6b6c67d7f738321cfdbd68cca27bc40e3adf3cead6922e525cb25711.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Plan d'épargne retraite : un bon outil patrimonial pour transmettre et protéger son conjoint" height="1385" width="2000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/06/30/221deaad6b6c67d7f738321cfdbd68cca27bc40e3adf3cead6922e525cb25711.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/06/30/221deaad6b6c67d7f738321cfdbd68cca27bc40e3adf3cead6922e525cb25711.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/06/30/221deaad6b6c67d7f738321cfdbd68cca27bc40e3adf3cead6922e525cb25711.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Plan d'épargne retraite : un bon outil patrimonial pour transmettre et protéger son conjoint" height="1385" width="2000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Destiné à se constituer un complément de revenu pour sa pension, le plan d'épargne retraite est également un moyen très efficace de transmettre son patrimoine à ses héritiers. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/debat-partenaire-preparer-votre-retraite-comment-choisir-vos-placements-20230517" class="fig-ranking-profile-link" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline " >[Débat partenaire] Deux familles de placements pour investir pour la retraite</h2> </a> <div class="fig-ranking-profile-main-media-video"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" height="24" width="24" class="fig-ranking-profile-main-media-video__svg" aria-hidden="true" focusable="false" > <use href="#fig-svg__video"/> </svg> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/05/17/c29eebbaa93028107d6c99a8b62694accfd3730f304fff9df4a54f086e52c88b.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/05/17/c29eebbaa93028107d6c99a8b62694accfd3730f304fff9df4a54f086e52c88b.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/05/17/c29eebbaa93028107d6c99a8b62694accfd3730f304fff9df4a54f086e52c88b.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="[Débat partenaire] Deux familles de placements pour investir pour la retraite" height="1080" width="1920"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/05/17/c29eebbaa93028107d6c99a8b62694accfd3730f304fff9df4a54f086e52c88b.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/05/17/c29eebbaa93028107d6c99a8b62694accfd3730f304fff9df4a54f086e52c88b.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/05/17/c29eebbaa93028107d6c99a8b62694accfd3730f304fff9df4a54f086e52c88b.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="[Débat partenaire] Deux familles de placements pour investir pour la retraite" height="1080" width="1920"/></noscript></div></figure> </div> <p class="fig-ranking-profile-standfirst"> Le PER (Plan Épargne Retraite) et l'assurance-vie sont deux placements souvent recommandés pour préparer votre retraite. Trois invités ont exploré vos opportunités d'investissement avec ces deux placements lors de notre émission « En Plateau Avec » du 16 mai. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture fig-ranking-profile--premium " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/avez-vous-interet-a-convertir-un-capital-en-rente-viagere-20230426" class="fig-ranking-profile-link" aria-label="Avez-vous intérêt à convertir un capital en rente viagère ? (article Premium)" title="Avez-vous intérêt à convertir un capital en rente viagère ? (article Premium)" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline fig-premium-mark " >Avez-vous intérêt à convertir un capital en rente viagère ?</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/04/24/d6405f06dbd0279bbb62e4909a2faf72b78d32dc84958a299d6402888a765ea7.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/04/24/d6405f06dbd0279bbb62e4909a2faf72b78d32dc84958a299d6402888a765ea7.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/04/24/d6405f06dbd0279bbb62e4909a2faf72b78d32dc84958a299d6402888a765ea7.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Avez-vous intérêt à convertir un capital en rente viagère ?" height="1333" width="2000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/04/24/d6405f06dbd0279bbb62e4909a2faf72b78d32dc84958a299d6402888a765ea7.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/04/24/d6405f06dbd0279bbb62e4909a2faf72b78d32dc84958a299d6402888a765ea7.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/04/24/d6405f06dbd0279bbb62e4909a2faf72b78d32dc84958a299d6402888a765ea7.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Avez-vous intérêt à convertir un capital en rente viagère ?" height="1333" width="2000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Abandonner son épargne pour toucher de modestes revenus mensuels, voilà la promesse décevante de la rente viagère. Pourtant, elle peut faire gagner de l'argent à ceux qui vivent longtemps. À condition d'être prêt à prendre le pari. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/debat-partenaire-preparer-votre-retraite-comment-choisir-vos-placements-20230424" class="fig-ranking-profile-link" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline " >[Débat partenaire] Préparer votre retraite : comment choisir vos placements ?</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/04/18/b4f0bdfe0eb445e74d28b4484b4113571a3c40d704762766449dc76d3949cb09.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/04/18/b4f0bdfe0eb445e74d28b4484b4113571a3c40d704762766449dc76d3949cb09.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/04/18/b4f0bdfe0eb445e74d28b4484b4113571a3c40d704762766449dc76d3949cb09.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="[Débat partenaire] Préparer votre retraite : comment choisir vos placements ?" height="1333" width="2000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/04/18/b4f0bdfe0eb445e74d28b4484b4113571a3c40d704762766449dc76d3949cb09.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/04/18/b4f0bdfe0eb445e74d28b4484b4113571a3c40d704762766449dc76d3949cb09.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/04/18/b4f0bdfe0eb445e74d28b4484b4113571a3c40d704762766449dc76d3949cb09.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="[Débat partenaire] Préparer votre retraite : comment choisir vos placements ?" height="1333" width="2000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Le PER (plan épargne retraite) et l'assurance vie sont deux placements souvent recommandés pour préparer votre retraite. Le 16 mai prochain, trois invités explorent vos opportunités d'investissement avec ces deux placements lors de notre prochaine émission « En Plateau Avec ». </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/les-differentes-formules-du-plan-d-epargne-retraite-populaire-et-sa-fiscalite-20230402" class="fig-ranking-profile-link" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline " >Les différentes formules du plan d'épargne retraite populaire et sa fiscalité</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/03/23/d1182312c5b1d29c18a977928f90fbd20abb596e4926ae5ea885b4ed514622eb.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/03/23/d1182312c5b1d29c18a977928f90fbd20abb596e4926ae5ea885b4ed514622eb.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/03/23/d1182312c5b1d29c18a977928f90fbd20abb596e4926ae5ea885b4ed514622eb.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Les différentes formules du plan d'épargne retraite populaire et sa fiscalité" height="1400" width="2000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/03/23/d1182312c5b1d29c18a977928f90fbd20abb596e4926ae5ea885b4ed514622eb.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/03/23/d1182312c5b1d29c18a977928f90fbd20abb596e4926ae5ea885b4ed514622eb.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/03/23/d1182312c5b1d29c18a977928f90fbd20abb596e4926ae5ea885b4ed514622eb.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Les différentes formules du plan d'épargne retraite populaire et sa fiscalité" height="1400" width="2000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> <i>Le Particulier </i>vous propose des fiches pédagogiques pour vous aider à identifier les placements à privilégier en 2023 afin d'héberger votre épargne à court, moyen ou long terme… </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/le-contrat-retraite-madelin-un-plan-d-epargne-long-terme-pour-les-travailleurs-independants-20230401" class="fig-ranking-profile-link" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline " >Le contrat retraite Madelin, un plan d'épargne long terme pour les travailleurs indépendants</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/03/23/0be203f95ef4e5d2342ea35d9a7ef08cabb73ba3ea7f3da1402455dd0a293d56.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/03/23/0be203f95ef4e5d2342ea35d9a7ef08cabb73ba3ea7f3da1402455dd0a293d56.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/03/23/0be203f95ef4e5d2342ea35d9a7ef08cabb73ba3ea7f3da1402455dd0a293d56.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Le contrat retraite Madelin, un plan d'épargne long terme pour les travailleurs indépendants" height="1400" width="2000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/03/23/0be203f95ef4e5d2342ea35d9a7ef08cabb73ba3ea7f3da1402455dd0a293d56.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/03/23/0be203f95ef4e5d2342ea35d9a7ef08cabb73ba3ea7f3da1402455dd0a293d56.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/03/23/0be203f95ef4e5d2342ea35d9a7ef08cabb73ba3ea7f3da1402455dd0a293d56.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Le contrat retraite Madelin, un plan d'épargne long terme pour les travailleurs indépendants" height="1400" width="2000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> <i>Le Particulier </i>vous propose des fiches pédagogiques pour vous aider à identifier les placements à privilégier en 2023 afin d'héberger votre épargne à court, moyen ou long terme… </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/comprendre-le-fonctionnement-du-plan-d-epargne-retraite-pour-bien-le-choisir-20230331" class="fig-ranking-profile-link" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline " >Comprendre le fonctionnement du plan d'épargne retraite pour bien le choisir</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/03/23/5d76dbfddc2878de1bfcb2ec9c1c7935bcfb18c336ad5da98364fde50e6a9fb0.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/03/23/5d76dbfddc2878de1bfcb2ec9c1c7935bcfb18c336ad5da98364fde50e6a9fb0.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/03/23/5d76dbfddc2878de1bfcb2ec9c1c7935bcfb18c336ad5da98364fde50e6a9fb0.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Comprendre le fonctionnement du plan d'épargne retraite pour bien le choisir" height="1400" width="2000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/03/23/5d76dbfddc2878de1bfcb2ec9c1c7935bcfb18c336ad5da98364fde50e6a9fb0.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/03/23/5d76dbfddc2878de1bfcb2ec9c1c7935bcfb18c336ad5da98364fde50e6a9fb0.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/03/23/5d76dbfddc2878de1bfcb2ec9c1c7935bcfb18c336ad5da98364fde50e6a9fb0.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Comprendre le fonctionnement du plan d'épargne retraite pour bien le choisir" height="1400" width="2000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> <i>Le Particulier </i>vous propose des fiches pédagogiques pour vous aider à identifier les placements à privilégier en 2023 afin d'héberger votre épargne à court, moyen ou long terme… </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/le-perco-un-produit-fiscal-pour-se-procurer-des-revenus-a-la-retraite-20230330" class="fig-ranking-profile-link" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline " >Le Perco, un produit fiscal pour se procurer des revenus à la retraite</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/03/23/3766de66269595eb518bcee04e149892394a15fbc4c68691949eb5bf18f3ea26.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/03/23/3766de66269595eb518bcee04e149892394a15fbc4c68691949eb5bf18f3ea26.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/03/23/3766de66269595eb518bcee04e149892394a15fbc4c68691949eb5bf18f3ea26.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Le Perco, un produit fiscal pour se procurer des revenus à la retraite" height="1400" width="2000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/03/23/3766de66269595eb518bcee04e149892394a15fbc4c68691949eb5bf18f3ea26.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/03/23/3766de66269595eb518bcee04e149892394a15fbc4c68691949eb5bf18f3ea26.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/03/23/3766de66269595eb518bcee04e149892394a15fbc4c68691949eb5bf18f3ea26.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Le Perco, un produit fiscal pour se procurer des revenus à la retraite" height="1400" width="2000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> <i>Le Particulier </i>vous propose des fiches pédagogiques pour vous aider à identifier les placements à privilégier en 2023 afin d'héberger votre épargne à court, moyen ou long terme… </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/la-detention-d-un-per-peut-faire-grimper-l-impot-sur-la-fortune-immobiliere-20230220" class="fig-ranking-profile-link" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline " >La détention d'un PER peut faire grimper l'Impôt sur la fortune immobilière</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/02/20/afb10c6c76f02e895dea86d0b3aaca6c9c9664769f4d40061d161886eca7a9e7.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/02/20/afb10c6c76f02e895dea86d0b3aaca6c9c9664769f4d40061d161886eca7a9e7.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/02/20/afb10c6c76f02e895dea86d0b3aaca6c9c9664769f4d40061d161886eca7a9e7.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="La détention d'un PER peut faire grimper l'Impôt sur la fortune immobilière" height="2000" width="3000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/02/20/afb10c6c76f02e895dea86d0b3aaca6c9c9664769f4d40061d161886eca7a9e7.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/02/20/afb10c6c76f02e895dea86d0b3aaca6c9c9664769f4d40061d161886eca7a9e7.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/02/20/afb10c6c76f02e895dea86d0b3aaca6c9c9664769f4d40061d161886eca7a9e7.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="La détention d'un PER peut faire grimper l'Impôt sur la fortune immobilière" height="2000" width="3000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Les actifs immobiliers contenus dans un Plan d'épargne retraite doivent être inclus dans la déclaration d'impôt sur la fortune immobilière. Seuls les contrats non rachetables y échappent. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/plan-d-epargne-retraite-l-outil-ideal-pour-chercher-du-rendement-a-horizon-long-terme-20221122" class="fig-ranking-profile-link" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline " >Plan d'épargne retraite : l'outil idéal pour chercher du rendement à horizon long terme</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2022/11/18/c7ad6db4d96795877fa13a37e16018b95062572e73a60e66aef95b562b712020.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2022/11/18/c7ad6db4d96795877fa13a37e16018b95062572e73a60e66aef95b562b712020.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2022/11/18/c7ad6db4d96795877fa13a37e16018b95062572e73a60e66aef95b562b712020.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Plan d'épargne retraite : l'outil idéal pour chercher du rendement à horizon long terme" height="1688" width="3000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2022/11/18/c7ad6db4d96795877fa13a37e16018b95062572e73a60e66aef95b562b712020.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2022/11/18/c7ad6db4d96795877fa13a37e16018b95062572e73a60e66aef95b562b712020.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2022/11/18/c7ad6db4d96795877fa13a37e16018b95062572e73a60e66aef95b562b712020.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Plan d'épargne retraite : l'outil idéal pour chercher du rendement à horizon long terme" height="1688" width="3000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Le plan d'épargne retraite permet de se constituer une épargne et s'adresse avant tout aux clients imposés au minimum à 30 %, afin d'optimiser le gain fiscal. Avec ses nombreuses options de gestion, tous les profils d'épargnants y trouvent leur compte. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/70-milliards-d-euros-ont-ete-places-sur-des-per-20221019" class="fig-ranking-profile-link" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline " >70 milliards d'euros ont été placés sur des PER</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2022/10/18/819f40fa38251b9e9096aba04794db3be4af912b1d0c216b9cc0ad5e61d46cd6.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2022/10/18/819f40fa38251b9e9096aba04794db3be4af912b1d0c216b9cc0ad5e61d46cd6.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2022/10/18/819f40fa38251b9e9096aba04794db3be4af912b1d0c216b9cc0ad5e61d46cd6.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="70 milliards d'euros ont été placés sur des PER" height="2000" width="3000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2022/10/18/819f40fa38251b9e9096aba04794db3be4af912b1d0c216b9cc0ad5e61d46cd6.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2022/10/18/819f40fa38251b9e9096aba04794db3be4af912b1d0c216b9cc0ad5e61d46cd6.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2022/10/18/819f40fa38251b9e9096aba04794db3be4af912b1d0c216b9cc0ad5e61d46cd6.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="70 milliards d'euros ont été placés sur des PER" height="2000" width="3000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Le PER rencontre le succès auprès des actifs qui souhaitent épargner pour financer leur retraite, tout en bénéficiant d'une défiscalisation immédiate. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture fig-ranking-profile--premium " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/meilleurs-per-2022-le-palmares-des-plans-d-epargne-retraite-proposes-hors-reseaux-bancaires-20221015" class="fig-ranking-profile-link" aria-label="Le classement des meilleurs PER proposés hors réseaux bancaires (article Premium)" title="Le classement des meilleurs PER proposés hors réseaux bancaires (article Premium)" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline fig-premium-mark " >Le classement des meilleurs PER proposés hors réseaux bancaires</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2022/10/14/48b4c89511b1642d5a62f54168124c11a417adffa1cc799e28bed75ecb6ec879.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2022/10/14/48b4c89511b1642d5a62f54168124c11a417adffa1cc799e28bed75ecb6ec879.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2022/10/14/48b4c89511b1642d5a62f54168124c11a417adffa1cc799e28bed75ecb6ec879.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Le classement des meilleurs PER proposés hors réseaux bancaires" height="324" width="577"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2022/10/14/48b4c89511b1642d5a62f54168124c11a417adffa1cc799e28bed75ecb6ec879.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2022/10/14/48b4c89511b1642d5a62f54168124c11a417adffa1cc799e28bed75ecb6ec879.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2022/10/14/48b4c89511b1642d5a62f54168124c11a417adffa1cc799e28bed75ecb6ec879.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Le classement des meilleurs PER proposés hors réseaux bancaires" height="324" width="577"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Trois ans après son lancement, 6,2 millions de Français ont déjà souscrit un plan d'épargne retraite (PER). Notre 3e édition des Victoires des PER permet de distinguer les meilleurs grâce à notre méthodologie exclusive parmi 74 contrats étudiés dans trois catégories récompensées. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/un-contrat-d-epargne-retraite-peut-etre-debloque-apres-une-rupture-conventionnelle-20220915" class="fig-ranking-profile-link" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline " >Un contrat d'épargne retraite peut être débloqué après une rupture conventionnelle</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2022/09/14/5e7c0f85592b3d8e81d92ba707f7bbda98babe7cfb3e6390f0e39c2d6ac9ddaa.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2022/09/14/5e7c0f85592b3d8e81d92ba707f7bbda98babe7cfb3e6390f0e39c2d6ac9ddaa.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2022/09/14/5e7c0f85592b3d8e81d92ba707f7bbda98babe7cfb3e6390f0e39c2d6ac9ddaa.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Un contrat d'épargne retraite peut être débloqué après une rupture conventionnelle" height="2003" width="3000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2022/09/14/5e7c0f85592b3d8e81d92ba707f7bbda98babe7cfb3e6390f0e39c2d6ac9ddaa.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2022/09/14/5e7c0f85592b3d8e81d92ba707f7bbda98babe7cfb3e6390f0e39c2d6ac9ddaa.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2022/09/14/5e7c0f85592b3d8e81d92ba707f7bbda98babe7cfb3e6390f0e39c2d6ac9ddaa.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Un contrat d'épargne retraite peut être débloqué après une rupture conventionnelle" height="2003" width="3000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Le médiateur de l'assurance invite les assureurs à accepter la demande de rachat des salariés, après expiration des droits aux allocations chômage perçues suite à une rupture conventionnelle du contrat de travail. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture fig-ranking-profile--premium " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/article/beatrice-juge-sa-pension-de-retraite-de-1-000-euros-trop-faible-voici-ce-que-nous-lui-conseillons-de-faire-pour-ameliorer-sa-situation" class="fig-ranking-profile-link" aria-label="Béatrice juge sa pension de retraite de 1 000 euros trop faible, voici ce que nous lui conseillons de faire pour améliorer sa situation (article Premium)" title="Béatrice juge sa pension de retraite de 1 000 euros trop faible, voici ce que nous lui conseillons de faire pour améliorer sa situation (article Premium)" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline fig-premium-mark " >Béatrice juge sa pension de retraite de 1 000 euros trop faible, voici ce que nous lui conseillons de faire pour améliorer sa situation</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/eidos/120x68_crop/2022/07/15/XVM92949246-ed7e-11ec-8e5d-d344422990d8.jpg 120w, https://i.f1g.fr/media/eidos/224x126_crop/2022/07/15/XVM92949246-ed7e-11ec-8e5d-d344422990d8.jpg 224w, https://i.f1g.fr/media/eidos/282x159_crop/2022/07/15/XVM92949246-ed7e-11ec-8e5d-d344422990d8.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Béatrice juge sa pension de retraite de 1 000 euros trop faible, voici ce que nous lui conseillons de faire pour améliorer sa situation" height="1127" width="1687"/><noscript><img srcset="https://i.f1g.fr/media/eidos/120x68_crop/2022/07/15/XVM92949246-ed7e-11ec-8e5d-d344422990d8.jpg 120w, https://i.f1g.fr/media/eidos/224x126_crop/2022/07/15/XVM92949246-ed7e-11ec-8e5d-d344422990d8.jpg 224w, https://i.f1g.fr/media/eidos/282x159_crop/2022/07/15/XVM92949246-ed7e-11ec-8e5d-d344422990d8.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Béatrice juge sa pension de retraite de 1 000 euros trop faible, voici ce que nous lui conseillons de faire pour améliorer sa situation" height="1127" width="1687"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Béatrice souhaite quitter la ville pour la campagne. Par la même occasion, elle compte sur son patrimoine immobilier pour compléter ses 1 000 € de retraite. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/un-nouvel-outil-destine-aux-salaries-pour-lutter-contre-l-epargne-retraite-oubliee-20220708" class="fig-ranking-profile-link" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline " >Un nouvel outil en ligne destiné aux salariés pour lutter contre l'épargne retraite oubliée</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2022/10/12/d85756e56a98fd345dc3f345094c835ba2dedb14fd710e90794656e2b59d8d46.png 120w, https://i.f1g.fr/media/cms/224x126_crop/2022/10/12/d85756e56a98fd345dc3f345094c835ba2dedb14fd710e90794656e2b59d8d46.png 224w, https://i.f1g.fr/media/cms/282x159_crop/2022/10/12/d85756e56a98fd345dc3f345094c835ba2dedb14fd710e90794656e2b59d8d46.png 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Un nouvel outil en ligne destiné aux salariés pour lutter contre l'épargne retraite oubliée" height="432" width="838"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2022/10/12/d85756e56a98fd345dc3f345094c835ba2dedb14fd710e90794656e2b59d8d46.png 120w, https://i.f1g.fr/media/cms/224x126_crop/2022/10/12/d85756e56a98fd345dc3f345094c835ba2dedb14fd710e90794656e2b59d8d46.png 224w, https://i.f1g.fr/media/cms/282x159_crop/2022/10/12/d85756e56a98fd345dc3f345094c835ba2dedb14fd710e90794656e2b59d8d46.png 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Un nouvel outil en ligne destiné aux salariés pour lutter contre l'épargne retraite oubliée" height="432" width="838"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Les salariés ont accès, depuis le 5 juillet 2022, à la liste des produits de retraite par capitalisation qu'ils ont souscrits, à titre individuel ou par l'intermédiaire de leur employeur, en consultant le site info-retraite.fr. Aujourd'hui ce service monte en puissance. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture fig-ranking-profile--premium " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/retraite-ce-qu-il-faut-savoir-sur-le-contrat-collectif-perco-20220426" class="fig-ranking-profile-link" aria-label="Retraite : ce qu'il faut savoir sur le contrat collectif Perco (article Premium)" title="Retraite : ce qu'il faut savoir sur le contrat collectif Perco (article Premium)" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline fig-premium-mark " >Retraite : ce qu'il faut savoir sur le contrat collectif Perco</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2022/03/03/35448b5ac7e4f2a0a5003dc31d9bcf5de168af73e44b85621f33dbf1de2e3dff.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2022/03/03/35448b5ac7e4f2a0a5003dc31d9bcf5de168af73e44b85621f33dbf1de2e3dff.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2022/03/03/35448b5ac7e4f2a0a5003dc31d9bcf5de168af73e44b85621f33dbf1de2e3dff.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Retraite : ce qu'il faut savoir sur le contrat collectif Perco" height="1126" width="1687"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2022/03/03/35448b5ac7e4f2a0a5003dc31d9bcf5de168af73e44b85621f33dbf1de2e3dff.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2022/03/03/35448b5ac7e4f2a0a5003dc31d9bcf5de168af73e44b85621f33dbf1de2e3dff.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2022/03/03/35448b5ac7e4f2a0a5003dc31d9bcf5de168af73e44b85621f33dbf1de2e3dff.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Retraite : ce qu'il faut savoir sur le contrat collectif Perco" height="1126" width="1687"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Mis en place dans les entreprises au profit de leurs salariés, le plan d'épargne pour la retraite collectif (Perco) est un dispositif d'épargne collectif facultatif. À la clef, une retraite supplémentaire dans un cadre fiscal très avantageux. Explications. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/retraite-augmentez-vos-revenus-grace-au-plan-d-epargne-retraite-per-20220318" class="fig-ranking-profile-link" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline " >Le PER, un placement approprié pour doper ses revenus à la retraite</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/02/07/81cee12b9b6e80da8f2bdf2eb7f5111481841fc4ad938c4af23c6ec91c389a3e.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/02/07/81cee12b9b6e80da8f2bdf2eb7f5111481841fc4ad938c4af23c6ec91c389a3e.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/02/07/81cee12b9b6e80da8f2bdf2eb7f5111481841fc4ad938c4af23c6ec91c389a3e.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Le PER, un placement approprié pour doper ses revenus à la retraite" height="2000" width="3000"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2023/02/07/81cee12b9b6e80da8f2bdf2eb7f5111481841fc4ad938c4af23c6ec91c389a3e.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2023/02/07/81cee12b9b6e80da8f2bdf2eb7f5111481841fc4ad938c4af23c6ec91c389a3e.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2023/02/07/81cee12b9b6e80da8f2bdf2eb7f5111481841fc4ad938c4af23c6ec91c389a3e.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Le PER, un placement approprié pour doper ses revenus à la retraite" height="2000" width="3000"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Ouvert à tous, le Plan d'Épargne Retraite (PER) permet de se constituer une retraite supplémentaire à titre individuel, sous forme de rente viagère ou en capital en fin de carrière. Ce qu'il faut savoir à ce sujet. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/jcms/c_121234/placements-retraite/vous-avez-ouvert-un-perp-et-tres-peu-epargne-dessus-que-va-t-il-se-passer-a-l-heure-de-la-retraite-20220127" class="fig-ranking-profile-link" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline " >Vous avez ouvert un PERP et très peu épargné dessus, que va-t-il se passer à l'heure de la retraite ?</h2> </a> <div class="fig-ranking-profile-main-media-video"> <svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" height="24" width="24" class="fig-ranking-profile-main-media-video__svg" aria-hidden="true" focusable="false" > <use href="#fig-svg__video"/> </svg> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/cms/120x68_crop/2022/01/18/0e8cf34a16f88ad140c4beef986957cad4bfaf2bf13771430c0774ab1ff7f1e5.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2022/01/18/0e8cf34a16f88ad140c4beef986957cad4bfaf2bf13771430c0774ab1ff7f1e5.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2022/01/18/0e8cf34a16f88ad140c4beef986957cad4bfaf2bf13771430c0774ab1ff7f1e5.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Vous avez ouvert un PERP et très peu épargné dessus, que va-t-il se passer à l'heure de la retraite ?" height="720" width="1280"/><noscript><img srcset="https://i.f1g.fr/media/cms/120x68_crop/2022/01/18/0e8cf34a16f88ad140c4beef986957cad4bfaf2bf13771430c0774ab1ff7f1e5.jpg 120w, https://i.f1g.fr/media/cms/224x126_crop/2022/01/18/0e8cf34a16f88ad140c4beef986957cad4bfaf2bf13771430c0774ab1ff7f1e5.jpg 224w, https://i.f1g.fr/media/cms/282x159_crop/2022/01/18/0e8cf34a16f88ad140c4beef986957cad4bfaf2bf13771430c0774ab1ff7f1e5.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Vous avez ouvert un PERP et très peu épargné dessus, que va-t-il se passer à l'heure de la retraite ?" height="720" width="1280"/></noscript></div></figure> </div> <p class="fig-ranking-profile-standfirst"> Frédéric Durand-Bazin, directeur adjoint de la rédaction du Particulier répond cette semaine au questionnement de Charles qui a ouvert un PERP il y a de nombreuses années sans au final avoir beaucoup placé d'argent sur le produit. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/article/epargne-retraite-la-sortie-en-capital-est-facilitee" class="fig-ranking-profile-link" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline " >Epargne retraite : la sortie en capital est facilitée</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/eidos/120x68_crop/2021/07/12/XVM92a5574e-e301-11eb-932a-c9e77d172b36.jpg 120w, https://i.f1g.fr/media/eidos/224x126_crop/2021/07/12/XVM92a5574e-e301-11eb-932a-c9e77d172b36.jpg 224w, https://i.f1g.fr/media/eidos/282x159_crop/2021/07/12/XVM92a5574e-e301-11eb-932a-c9e77d172b36.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Epargne retraite : la sortie en capital est facilitée" height="1359" width="2040"/><noscript><img srcset="https://i.f1g.fr/media/eidos/120x68_crop/2021/07/12/XVM92a5574e-e301-11eb-932a-c9e77d172b36.jpg 120w, https://i.f1g.fr/media/eidos/224x126_crop/2021/07/12/XVM92a5574e-e301-11eb-932a-c9e77d172b36.jpg 224w, https://i.f1g.fr/media/eidos/282x159_crop/2021/07/12/XVM92a5574e-e301-11eb-932a-c9e77d172b36.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Epargne retraite : la sortie en capital est facilitée" height="1359" width="2040"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Les épargnants peuvent désormais liquider leurs contrats d’épargne retraite en un versement unique si la rente qui leur est promise ne dépasse pas 100 euros par mois. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture fig-ranking-profile--premium " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/article/le-per-c-est-aussi-un-redoutable-outil-de-transmission" class="fig-ranking-profile-link" aria-label="Le plan d’épargne retraite : un excellent outil pour bien transmettre (article Premium)" title="Le plan d’épargne retraite : un excellent outil pour bien transmettre (article Premium)" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline fig-premium-mark " >Le plan d’épargne retraite : un excellent outil pour bien transmettre</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/eidos/120x68_crop/2021/07/08/XVM6f5856da-dfe4-11eb-b85e-3013208446a8.jpg 120w, https://i.f1g.fr/media/eidos/224x126_crop/2021/07/08/XVM6f5856da-dfe4-11eb-b85e-3013208446a8.jpg 224w, https://i.f1g.fr/media/eidos/282x159_crop/2021/07/08/XVM6f5856da-dfe4-11eb-b85e-3013208446a8.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Le plan d’épargne retraite : un excellent outil pour bien transmettre" height="1355" width="2040"/><noscript><img srcset="https://i.f1g.fr/media/eidos/120x68_crop/2021/07/08/XVM6f5856da-dfe4-11eb-b85e-3013208446a8.jpg 120w, https://i.f1g.fr/media/eidos/224x126_crop/2021/07/08/XVM6f5856da-dfe4-11eb-b85e-3013208446a8.jpg 224w, https://i.f1g.fr/media/eidos/282x159_crop/2021/07/08/XVM6f5856da-dfe4-11eb-b85e-3013208446a8.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Le plan d’épargne retraite : un excellent outil pour bien transmettre" height="1355" width="2040"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Avec le Plan d’épargne retraite (PER), vous disposez de l’enveloppe idéale pour préparer votre retraite en diminuant vos impôts. Saviez-vous que, bien utilisé, le PER peut aussi se muer en outil de transmission du patrimoine ? </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/article/la-covid-19-ne-sera-pas-un-cas-de-deblocage-anticipe-de-l-epargne-salariale" class="fig-ranking-profile-link" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline " >Pas de déblocage anticipé de l’épargne salariale pour cause de Covid-19</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/eidos/120x68_crop/2021/05/18/XVM9078a914-b7d0-11eb-9a6f-8b2fa08cdb3c.jpg 120w, https://i.f1g.fr/media/eidos/224x126_crop/2021/05/18/XVM9078a914-b7d0-11eb-9a6f-8b2fa08cdb3c.jpg 224w, https://i.f1g.fr/media/eidos/282x159_crop/2021/05/18/XVM9078a914-b7d0-11eb-9a6f-8b2fa08cdb3c.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Pas de déblocage anticipé de l’épargne salariale pour cause de Covid-19" height="1177" width="2040"/><noscript><img srcset="https://i.f1g.fr/media/eidos/120x68_crop/2021/05/18/XVM9078a914-b7d0-11eb-9a6f-8b2fa08cdb3c.jpg 120w, https://i.f1g.fr/media/eidos/224x126_crop/2021/05/18/XVM9078a914-b7d0-11eb-9a6f-8b2fa08cdb3c.jpg 224w, https://i.f1g.fr/media/eidos/282x159_crop/2021/05/18/XVM9078a914-b7d0-11eb-9a6f-8b2fa08cdb3c.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Pas de déblocage anticipé de l’épargne salariale pour cause de Covid-19" height="1177" width="2040"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Le gouvernement exclu la création d’un nouveau cas de déblocage exceptionnel de l’épargne salariale, pour cause de crise sanitaire. Les français sont invités à piocher dans leurs Livrets A, bien remplis, plutôt que dans leurs Plans d’épargne d’entreprise qui financent l’économie. </p> </article> <article class="fig-ranking-profile-container fig-ranking-profile-small-picture fig-ranking-profile--premium " data-content-name="article" data-module="fig-ranking-profile-container" data-context="was @visible" > <a href="https://leparticulier.lefigaro.fr/article/comment-faire-pour-ouvrir-un-per-pour-son-enfant-mineur" class="fig-ranking-profile-link" aria-label="Comment faire pour ouvrir un PER pour son enfant mineur (article Premium)" title="Comment faire pour ouvrir un PER pour son enfant mineur (article Premium)" data-fig-domain="LEPARTICULIER"> <h2 class="fig-ranking-profile-headline fig-premium-mark " >Comment faire pour ouvrir un PER pour son enfant mineur</h2> </a> <figure class="fig-ranking-profile-media-small-picture" data-fig-link="1"><div class="fig-placeholder fig-placeholder--16-9 fig-lazy"><img data-srcset="https://i.f1g.fr/media/eidos/120x68_crop/2021/05/03/XVM8599c496-9cec-11eb-9e49-b1d6452cf4f9.jpg 120w, https://i.f1g.fr/media/eidos/224x126_crop/2021/05/03/XVM8599c496-9cec-11eb-9e49-b1d6452cf4f9.jpg 224w, https://i.f1g.fr/media/eidos/282x159_crop/2021/05/03/XVM8599c496-9cec-11eb-9e49-b1d6452cf4f9.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img fig-ranking-profile-media-small-picture__photo" alt="Comment faire pour ouvrir un PER pour son enfant mineur" height="1127" width="1687"/><noscript><img srcset="https://i.f1g.fr/media/eidos/120x68_crop/2021/05/03/XVM8599c496-9cec-11eb-9e49-b1d6452cf4f9.jpg 120w, https://i.f1g.fr/media/eidos/224x126_crop/2021/05/03/XVM8599c496-9cec-11eb-9e49-b1d6452cf4f9.jpg 224w, https://i.f1g.fr/media/eidos/282x159_crop/2021/05/03/XVM8599c496-9cec-11eb-9e49-b1d6452cf4f9.jpg 282w" sizes="(min-width: 64em) 224px, (min-width: 48em) 282px, 120px" class="fig-img--complete fig-img fig-ranking-profile-media-small-picture__photo" alt="Comment faire pour ouvrir un PER pour son enfant mineur" height="1127" width="1687"/></noscript></div></figure> <p class="fig-ranking-profile-standfirst"> Constituer un capital pour permettre à son enfant d’acheter sa résidence principale est possible grâce au nouveau plan d’épargne retraite (PER). Mais des précautions s’imposent. </p> </article> </div> <a class="fig-a11y-skip a11y-hidden" href="#fig-a11y-skip-main-pave_atf" > Passer la publicité </a> <div class="fig-ad-content fig-ad-content--pave_atf" data-format="pave_atf" tabindex="-1" aria-hidden="true" ><div class="fig-ad-content__ad-placeholder-content" ><svg xmlns="http://www.w3.org/2000/svg" width="27" height="24" aria-hidden="true" viewBox="0 0 28 24" focusable="false" class="fig-ad-content__ad-placeholder-svg" > <use href="#fig-svg__fplume-placeholder"/> </svg> <span class="fig-ad-content__ad-placeholder-text">Publicité</span> </div><div data-figtag="pave_atf"></div></div> <div id="fig-a11y-skip-main-pave_atf"></div> </div> </div> <aside class="fig-right" data-layout-vitrine data-context="@media (min-width:64em) and was @visible" data-module="fig-ad-content"> <div class="fig-vitrine fig-magazines fig-magazines--le_particulier_selection" > <div class="fig-vitrine__header"> <div class="fig-vitrine__title"> Nos 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