{"id":17232689,"date":"2025-08-27T15:18:11","date_gmt":"2025-08-27T15:18:11","guid":{"rendered":"https:\/\/ambrelia.com\/?p=17232689"},"modified":"2025-10-01T10:26:25","modified_gmt":"2025-10-01T10:26:25","slug":"plan-epargne-retraite-assurance-securiser-collaborateurs-fiscalite","status":"publish","type":"post","link":"https:\/\/ambrelia.com\/fr\/2025\/08\/plan-epargne-retraite-assurance-securiser-collaborateurs-fiscalite\/","title":{"rendered":"Plan \u00c9pargne Retraite Assurance"},"content":{"rendered":"\n<p class=\"has-medium-font-size\">Le contexte \u00e9conomique est actuellement incertain et les r\u00e9gimes de retraite obligatoires montrent leurs limites. Le <strong>Plan \u00c9pargne Retraite Assurance <\/strong>s&rsquo;impose ainsi comme un outil essentiel pour pr\u00e9parer sa retraite tout en b\u00e9n\u00e9ficiant d&rsquo;avantages fiscaux imm\u00e9diats.<\/p>\n\n\n\n<p class=\"has-medium-font-size\">Cr\u00e9\u00e9 par la Loi PACTE (Plan d&rsquo;Action pour la Croissance et la Transformation des Entreprises), le PER vise \u00e0 simplifier et moderniser les dispositifs d&rsquo;\u00e9pargne retraite, en les rendant plus accessibles, plus souples et plus adapt\u00e9s aux besoins actuels des salari\u00e9s, en particulier ceux en mobilit\u00e9 ou travaillant dans un environnement international.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Le PER, qu\u2019est-ce que c\u2019est ?<\/h2>\n\n\n\n<p class=\"has-medium-font-size\">Le <strong>Plan \u00c9pargne Retraite<\/strong> permet \u00e0 vos collaborateurs de constituer progressivement un capital d\u00e9di\u00e9 \u00e0 leur retraite, via des versements libres ou r\u00e9guliers. \u00c0 l&rsquo;\u00e9ch\u00e9ance, cette \u00e9pargne peut \u00eatre r\u00e9cup\u00e9r\u00e9e :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-medium-font-size\">Sous forme de capital (en une seule fois ou de mani\u00e8re fractionn\u00e9e),<\/li>\n\n\n\n<li class=\"has-medium-font-size\">Sous forme de rente viag\u00e8re,<\/li>\n\n\n\n<li class=\"has-medium-font-size\">Ou en combinant capital et rente selon leurs besoins.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-medium-font-size\">Le PER unifie et remplace les anciens dispositifs (PERP, Madelin, PERCO, etc.), offrant ainsi une meilleure lisibilit\u00e9 et davantage de flexibilit\u00e9 \u00e0 l&rsquo;\u00e9pargne retraite, avec un fonctionnement pens\u00e9 pour accompagner les carri\u00e8res internationales.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons has-custom-font-size has-white-background-color has-background has-medium-font-size is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-vivid-green-cyan-background-color has-background wp-element-button\" href=\"http:\/\/ambrelia.neocamino.fr\/12716-offrez-la-meilleure-assurance-a-tous-vos-collaborateurs?neo_campaign=site-diagnostic-gratuit&amp;neo_medium=click_popup&amp;uuid=9d5b2251-48c4-4989-874f-61b3c9552b33\">Je veux en savoir plus sur le PER<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les avantages du plan \u00e9pargne retraite assurance <\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">1. Optimisation fiscale imm\u00e9diate<\/h3>\n\n\n\n<p class=\"has-medium-font-size\">Les versements r\u00e9alis\u00e9s sur le PER sont d\u00e9ductibles du revenu imposable, dans la limite des plafonds l\u00e9gaux. Plus les revenus du collaborateur sont \u00e9lev\u00e9s, plus l\u2019avantage fiscal est int\u00e9ressant.<br><em>\u00c0 noter :<\/em> les personnes faiblement impos\u00e9es peuvent choisir de ne pas b\u00e9n\u00e9ficier de la d\u00e9duction \u00e0 l\u2019entr\u00e9e, afin d\u2019optimiser la fiscalit\u00e9 \u00e0 la sortie.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\">2. Libert\u00e9 de sortie \u00e0 la retraite<\/h3>\n\n\n\n<p class=\"has-medium-font-size\">Vos collaborateurs peuvent r\u00e9cup\u00e9rer leur \u00e9pargne :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"has-medium-font-size\">En capital (total ou partiel),<\/li>\n\n\n\n<li class=\"has-medium-font-size\">En rente viag\u00e8re pour un revenu r\u00e9gulier,<\/li>\n\n\n\n<li class=\"has-medium-font-size\">Ou en combinant les deux.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-medium-font-size\">Le PER pr\u00e9voit aussi des cas de d\u00e9blocage anticip\u00e9 assez nombreux : achat de r\u00e9sidence principale, invalidit\u00e9, d\u00e9c\u00e8s du conjoint, fin des droits au ch\u00f4mage, etc.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Gestion personnalis\u00e9e selon le profil<\/h3>\n\n\n\n<ul class=\"wp-block-list has-medium-font-size\">\n<li>Gestion \u00e0 horizon retraite : s\u00e9curisation progressive des investissements \u00e0 l&rsquo;approche de la retraite,<\/li>\n\n\n\n<li>Gestion pilot\u00e9e : d\u00e9l\u00e9gation de la gestion selon le profil de risque,<\/li>\n\n\n\n<li>Gestion libre : autonomie totale sur le choix des supports d\u2019investissement.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">4. Transfert simplifi\u00e9 des anciens dispositifs<\/h3>\n\n\n\n<p class=\"has-medium-font-size\">Le PER permet de regrouper les anciens contrats (PERP, Madelin, Article 83, PERCO\u2026) sur un seul et m\u00eame support. Cela facilite la gestion, r\u00e9duit les frais et optimise la performance globale.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">En r\u00e9sum\u00e9 : les points cl\u00e9s du plan epargne retraite assurance<\/h2>\n\n\n\n<figure class=\"wp-block-table has-medium-font-size\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Avantages<\/strong><\/td><td><strong>D\u00e9tails<\/strong><\/td><\/tr><tr><td>R\u00e9duction d\u2019imp\u00f4t imm\u00e9diate<\/td><td>D\u00e9ductibilit\u00e9 des versements selon les plafonds l\u00e9gaux<\/td><\/tr><tr><td>Sortie flexible<\/td><td>Capital, rente, ou les deux combin\u00e9s<\/td><\/tr><tr><td>Gestion personnalis\u00e9e<\/td><td>Libre, pilot\u00e9e ou \u00e0 horizon retraite<\/td><\/tr><tr><td>D\u00e9blocage anticip\u00e9<\/td><td>Achat de r\u00e9sidence principale ou \u00e9v\u00e9nements exceptionnels<\/td><\/tr><tr><td>Regroupement simplifi\u00e9<\/td><td>Transfert possible des anciens contrats<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Le PER, un outil cl\u00e9 pour fid\u00e9liser et prot\u00e9ger vos \u00e9quipes<\/h2>\n\n\n\n<p class=\"has-medium-font-size\">Proposer un PER \u00e0 vos collaborateurs, c\u2019est leur offrir bien plus qu&rsquo;une solution d&rsquo;\u00e9pargne : c&rsquo;est renforcer votre attractivit\u00e9 employeur, s\u00e9curiser leur avenir et r\u00e9pondre aux nouveaux enjeux de mobilit\u00e9 internationale.<\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Vous souhaitez mettre en place un PER ou obtenir des conseils personnalis\u00e9s ? Contactez nos \u00e9quipes, nous serons ravis de vous accompagner.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-social-links is-content-justification-center is-layout-flex wp-container-core-social-links-is-layout-16018d1d wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-linkedin  wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/company\/ambrelia\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-instagram  wp-block-social-link\"><a href=\"https:\/\/www.instagram.com\/ambrelia_assurance\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12,4.622c2.403,0,2.688,0.009,3.637,0.052c0.877,0.04,1.354,0.187,1.671,0.31c0.42,0.163,0.72,0.358,1.035,0.673 c0.315,0.315,0.51,0.615,0.673,1.035c0.123,0.317,0.27,0.794,0.31,1.671c0.043,0.949,0.052,1.234,0.052,3.637 s-0.009,2.688-0.052,3.637c-0.04,0.877-0.187,1.354-0.31,1.671c-0.163,0.42-0.358,0.72-0.673,1.035 c-0.315,0.315-0.615,0.51-1.035,0.673c-0.317,0.123-0.794,0.27-1.671,0.31c-0.949,0.043-1.233,0.052-3.637,0.052 s-2.688-0.009-3.637-0.052c-0.877-0.04-1.354-0.187-1.671-0.31c-0.42-0.163-0.72-0.358-1.035-0.673 c-0.315-0.315-0.51-0.615-0.673-1.035c-0.123-0.317-0.27-0.794-0.31-1.671C4.631,14.688,4.622,14.403,4.622,12 s0.009-2.688,0.052-3.637c0.04-0.877,0.187-1.354,0.31-1.671c0.163-0.42,0.358-0.72,0.673-1.035 c0.315-0.315,0.615-0.51,1.035-0.673c0.317-0.123,0.794-0.27,1.671-0.31C9.312,4.631,9.597,4.622,12,4.622 M12,3 C9.556,3,9.249,3.01,8.289,3.054C7.331,3.098,6.677,3.25,6.105,3.472C5.513,3.702,5.011,4.01,4.511,4.511 c-0.5,0.5-0.808,1.002-1.038,1.594C3.25,6.677,3.098,7.331,3.054,8.289C3.01,9.249,3,9.556,3,12c0,2.444,0.01,2.751,0.054,3.711 c0.044,0.958,0.196,1.612,0.418,2.185c0.23,0.592,0.538,1.094,1.038,1.594c0.5,0.5,1.002,0.808,1.594,1.038 c0.572,0.222,1.227,0.375,2.185,0.418C9.249,20.99,9.556,21,12,21s2.751-0.01,3.711-0.054c0.958-0.044,1.612-0.196,2.185-0.418 c0.592-0.23,1.094-0.538,1.594-1.038c0.5-0.5,0.808-1.002,1.038-1.594c0.222-0.572,0.375-1.227,0.418-2.185 C20.99,14.751,21,14.444,21,12s-0.01-2.751-0.054-3.711c-0.044-0.958-0.196-1.612-0.418-2.185c-0.23-0.592-0.538-1.094-1.038-1.594 c-0.5-0.5-1.002-0.808-1.594-1.038c-0.572-0.222-1.227-0.375-2.185-0.418C14.751,3.01,14.444,3,12,3L12,3z M12,7.378 c-2.552,0-4.622,2.069-4.622,4.622S9.448,16.622,12,16.622s4.622-2.069,4.622-4.622S14.552,7.378,12,7.378z M12,15 c-1.657,0-3-1.343-3-3s1.343-3,3-3s3,1.343,3,3S13.657,15,12,15z M16.804,6.116c-0.596,0-1.08,0.484-1.08,1.08 s0.484,1.08,1.08,1.08c0.596,0,1.08-0.484,1.08-1.08S17.401,6.116,16.804,6.116z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Instagram<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-facebook  wp-block-social-link\"><a href=\"https:\/\/www.facebook.com\/AmbreliaExpats\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2C6.5 2 2 6.5 2 12c0 5 3.7 9.1 8.4 9.9v-7H7.9V12h2.5V9.8c0-2.5 1.5-3.9 3.8-3.9 1.1 0 2.2.2 2.2.2v2.5h-1.3c-1.2 0-1.6.8-1.6 1.6V12h2.8l-.4 2.9h-2.3v7C18.3 21.1 22 17 22 12c0-5.5-4.5-10-10-10z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Facebook<\/span><\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Le contexte \u00e9conomique est actuellement incertain et les r\u00e9gimes de retraite obligatoires montrent leurs limites. Le Plan \u00c9pargne Retraite Assurance s&rsquo;impose ainsi comme un outil essentiel pour pr\u00e9parer sa retraite tout en b\u00e9n\u00e9ficiant d&rsquo;avantages fiscaux imm\u00e9diats. Cr\u00e9\u00e9 par la Loi PACTE (Plan d&rsquo;Action pour la Croissance et la Transformation des Entreprises), le PER vise \u00e0 [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":17232690,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"<!-- wp:paragraph {\"fontSize\":\"medium\"} -->\n<p class=\"has-medium-font-size\">Le contexte \u00e9conomique est actuellement incertain et les r\u00e9gimes de retraite obligatoires montrent leurs limites. Le <strong>Plan \u00c9pargne Retraite (PER)<\/strong> s'impose ainsi comme un outil essentiel pour pr\u00e9parer sa retraite tout en b\u00e9n\u00e9ficiant d'avantages fiscaux imm\u00e9diats.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph {\"fontSize\":\"medium\"} -->\n<p class=\"has-medium-font-size\">Cr\u00e9\u00e9 par la Loi PACTE (Plan d'Action pour la Croissance et la Transformation des Entreprises), le PER vise \u00e0 simplifier et moderniser les dispositifs d'\u00e9pargne retraite, en les rendant plus accessibles, plus souples et plus adapt\u00e9s aux besoins actuels des salari\u00e9s, en particulier ceux en mobilit\u00e9 ou travaillant dans un environnement international.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Le PER, qu\u2019est-ce que c\u2019est ?<\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph {\"fontSize\":\"medium\"} -->\n<p class=\"has-medium-font-size\">Le <strong>Plan \u00c9pargne Retraite<\/strong> permet \u00e0 vos collaborateurs de constituer progressivement un capital d\u00e9di\u00e9 \u00e0 leur retraite, via des versements libres ou r\u00e9guliers. \u00c0 l'\u00e9ch\u00e9ance, cette \u00e9pargne peut \u00eatre r\u00e9cup\u00e9r\u00e9e :<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item {\"fontSize\":\"medium\"} -->\n<li class=\"has-medium-font-size\">Sous forme de capital (en une seule fois ou de mani\u00e8re fractionn\u00e9e),<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item {\"fontSize\":\"medium\"} -->\n<li class=\"has-medium-font-size\">Sous forme de rente viag\u00e8re,<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item {\"fontSize\":\"medium\"} -->\n<li class=\"has-medium-font-size\">Ou en combinant capital et rente selon leurs besoins.<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph {\"fontSize\":\"medium\"} -->\n<p class=\"has-medium-font-size\">Le PER unifie et remplace les anciens dispositifs (PERP, Madelin, PERCO, etc.), offrant ainsi une meilleure lisibilit\u00e9 et davantage de flexibilit\u00e9 \u00e0 l'\u00e9pargne retraite, avec un fonctionnement pens\u00e9 pour accompagner les carri\u00e8res internationales.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:buttons {\"backgroundColor\":\"white\",\"fontSize\":\"medium\",\"layout\":{\"type\":\"flex\",\"justifyContent\":\"center\"}} -->\n<div class=\"wp-block-buttons has-custom-font-size has-white-background-color has-background has-medium-font-size\"><!-- wp:button {\"backgroundColor\":\"vivid-green-cyan\"} -->\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-vivid-green-cyan-background-color has-background wp-element-button\" href=\"http:\/\/ambrelia.neocamino.fr\/12716-offrez-la-meilleure-assurance-a-tous-vos-collaborateurs?neo_campaign=site-diagnostic-gratuit&amp;neo_medium=click_popup&amp;uuid=9d5b2251-48c4-4989-874f-61b3c9552b33\">Je veux en savoir plus sur le PER<\/a><\/div>\n<!-- \/wp:button --><\/div>\n<!-- \/wp:buttons -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Les avantages du plan \u00e9pargne retraite<\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:heading {\"level\":3,\"fontSize\":\"medium\"} -->\n<h3 class=\"wp-block-heading has-medium-font-size\">1. Optimisation fiscale imm\u00e9diate<\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph {\"fontSize\":\"medium\"} -->\n<p class=\"has-medium-font-size\">Les versements r\u00e9alis\u00e9s sur le PER sont d\u00e9ductibles du revenu imposable, dans la limite des plafonds l\u00e9gaux. Plus les revenus du collaborateur sont \u00e9lev\u00e9s, plus l\u2019avantage fiscal est int\u00e9ressant.<br><em>\u00c0 noter :<\/em> les personnes faiblement impos\u00e9es peuvent choisir de ne pas b\u00e9n\u00e9ficier de la d\u00e9duction \u00e0 l\u2019entr\u00e9e, afin d\u2019optimiser la fiscalit\u00e9 \u00e0 la sortie.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"level\":3,\"fontSize\":\"medium\"} -->\n<h3 class=\"wp-block-heading has-medium-font-size\">2. Libert\u00e9 de sortie \u00e0 la retraite<\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph {\"fontSize\":\"medium\"} -->\n<p class=\"has-medium-font-size\">Vos collaborateurs peuvent r\u00e9cup\u00e9rer leur \u00e9pargne :<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:list -->\n<ul class=\"wp-block-list\"><!-- wp:list-item {\"fontSize\":\"medium\"} -->\n<li class=\"has-medium-font-size\">En capital (total ou partiel),<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item {\"fontSize\":\"medium\"} -->\n<li class=\"has-medium-font-size\">En rente viag\u00e8re pour un revenu r\u00e9gulier,<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item {\"fontSize\":\"medium\"} -->\n<li class=\"has-medium-font-size\">Ou en combinant les deux.<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:paragraph {\"fontSize\":\"medium\"} -->\n<p class=\"has-medium-font-size\">Le PER pr\u00e9voit aussi des cas de d\u00e9blocage anticip\u00e9 assez nombreux : achat de r\u00e9sidence principale, invalidit\u00e9, d\u00e9c\u00e8s du conjoint, fin des droits au ch\u00f4mage, etc.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">3. Gestion personnalis\u00e9e selon le profil<\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:list {\"fontSize\":\"medium\"} -->\n<ul class=\"wp-block-list has-medium-font-size\"><!-- wp:list-item -->\n<li>Gestion \u00e0 horizon retraite : s\u00e9curisation progressive des investissements \u00e0 l'approche de la retraite,<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Gestion pilot\u00e9e : d\u00e9l\u00e9gation de la gestion selon le profil de risque,<\/li>\n<!-- \/wp:list-item -->\n\n<!-- wp:list-item -->\n<li>Gestion libre : autonomie totale sur le choix des supports d\u2019investissement.<\/li>\n<!-- \/wp:list-item --><\/ul>\n<!-- \/wp:list -->\n\n<!-- wp:heading {\"level\":3} -->\n<h3 class=\"wp-block-heading\">4. Transfert simplifi\u00e9 des anciens dispositifs<\/h3>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph {\"fontSize\":\"medium\"} -->\n<p class=\"has-medium-font-size\">Le PER permet de regrouper les anciens contrats (PERP, Madelin, Article 83, PERCO\u2026) sur un seul et m\u00eame support. Cela facilite la gestion, r\u00e9duit les frais et optimise la performance globale.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">En r\u00e9sum\u00e9 : les points cl\u00e9s du PER<\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:table {\"fontSize\":\"medium\"} -->\n<figure class=\"wp-block-table has-medium-font-size\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Avantages<\/strong><\/td><td><strong>D\u00e9tails<\/strong><\/td><\/tr><tr><td>R\u00e9duction d\u2019imp\u00f4t imm\u00e9diate<\/td><td>D\u00e9ductibilit\u00e9 des versements selon les plafonds l\u00e9gaux<\/td><\/tr><tr><td>Sortie flexible<\/td><td>Capital, rente, ou les deux combin\u00e9s<\/td><\/tr><tr><td>Gestion personnalis\u00e9e<\/td><td>Libre, pilot\u00e9e ou \u00e0 horizon retraite<\/td><\/tr><tr><td>D\u00e9blocage anticip\u00e9<\/td><td>Achat de r\u00e9sidence principale ou \u00e9v\u00e9nements exceptionnels<\/td><\/tr><tr><td>Regroupement simplifi\u00e9<\/td><td>Transfert possible des anciens contrats<\/td><\/tr><\/tbody><\/table><\/figure>\n<!-- \/wp:table -->\n\n<!-- wp:heading -->\n<h2 class=\"wp-block-heading\">Le PER, un outil cl\u00e9 pour fid\u00e9liser et prot\u00e9ger vos \u00e9quipes<\/h2>\n<!-- \/wp:heading -->\n\n<!-- wp:paragraph {\"fontSize\":\"medium\"} -->\n<p class=\"has-medium-font-size\">Proposer un PER \u00e0 vos collaborateurs, c\u2019est leur offrir bien plus qu'une solution d'\u00e9pargne : c'est renforcer votre attractivit\u00e9 employeur, s\u00e9curiser leur avenir et r\u00e9pondre aux nouveaux enjeux de mobilit\u00e9 internationale.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph {\"fontSize\":\"medium\"} -->\n<p class=\"has-medium-font-size\"><strong>Vous souhaitez mettre en place un PER ou obtenir des conseils personnalis\u00e9s ? Contactez nos \u00e9quipes, nous serons ravis de vous accompagner.<\/strong><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:social-links {\"layout\":{\"type\":\"flex\",\"justifyContent\":\"center\"}} -->\n<ul class=\"wp-block-social-links\"><!-- wp:social-link {\"url\":\"https:\/\/www.linkedin.com\/company\/ambrelia\/\",\"service\":\"linkedin\"} \/-->\n\n<!-- wp:social-link {\"url\":\"https:\/\/www.instagram.com\/ambrelia_assurance\/\",\"service\":\"instagram\"} \/-->\n\n<!-- wp:social-link {\"url\":\"https:\/\/www.facebook.com\/AmbreliaExpats\",\"service\":\"facebook\"} \/--><\/ul>\n<!-- \/wp:social-links -->","_et_gb_content_width":"","footnotes":""},"categories":[9],"tags":[],"dipi_cpt_category":[],"class_list":["post-17232689","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classifiee"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Plan \u00c9pargne Retraite Assurance - Ambrelia<\/title>\n<meta name=\"description\" content=\"Le contexte \u00e9conomique est actuellement incertain et les r\u00e9gimes de retraite obligatoires montrent leurs limites. 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