{"id":32898,"date":"2021-04-06T12:09:35","date_gmt":"2021-04-06T10:09:35","guid":{"rendered":"https:\/\/valoxy.org\/blog\/?p=32898"},"modified":"2025-05-28T17:47:01","modified_gmt":"2025-05-28T15:47:01","slug":"le-nouveau-plan-depargne-retraite-per","status":"publish","type":"post","link":"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/","title":{"rendered":"Le nouveau Plan d\u2019\u00c9pargne Retraite (PER)"},"content":{"rendered":"<p>Le nouveau plan d\u2019\u00e9pargne retraite (PER) remplace progressivement les autres plans de retraite. Plus souple, il contient un avantage fiscal tr\u00e8s attractif : les montants investis peuvent se d\u00e9duire des revenus imposables. Ce nouveau PER a \u00e9t\u00e9 mis en place par la loi PACTE du 22 Mai 2019. (Plan pour la croissance et la transformation des entreprises).<\/p>\n<p>Pourquoi un nouveau plan ? Comment s\u2019articulent les anciens plans et le nouveau plan ? Valoxy, cabinet d\u2019expertise comptable dans les Hauts de France, r\u00e9pond ici \u00e0 ces questions.<\/p>\n<h3><strong>Rappel : <\/strong><\/h3>\n<p><strong><div class=\"encadre-style\"> Qu\u2019est-ce qu\u2019un plan d\u2019\u00e9pargne retraite ? <\/strong>Le PER est un produit d&rsquo;\u00e9pargne \u00e0 long terme. Il permet d&rsquo;\u00e9conomiser pendant sa vie active pour obtenir, au moment du d\u00e9part \u00e0 la retraite, le versement d\u2019un capital ou d\u2019une rente. <\/div><\/p>\n<h2><strong>Pourquoi avoir cr\u00e9\u00e9 le nouveau Plan d\u2019\u00c9pargne Retraite (PER) ?<\/strong><\/h2>\n<p>Il existe d\u00e9j\u00e0 des dispositifs d\u2019\u00e9pargne sp\u00e9cialis\u00e9s pour la retraite. Cependant, devant la multitude de produits disponibles, l\u2019\u00e9pargnant, comme le salari\u00e9, (et m\u00eame les entreprises !), pouvaient se sentir perdus. (Perp, Perco, dispositif <a href=\"https:\/\/valoxy.org\/blog\/la-loi-madelin\/\">loi Madelin<\/a>, article 83, Pr\u00e9fon, plans individuels et collectifs, etc.).<\/p>\n<p>De plus, chacun des produits existants poss\u00e8de des r\u00e8gles de fonctionnement propres, une fiscalit\u00e9 diff\u00e9rente, des conditions de sortie rigides (et pas toujours logiques), des rendements peu attractifs, des frais parfois \u00e9lev\u00e9s, etc.<\/p>\n<p>Ces difficult\u00e9s \u201cadministratives\u201d, li\u00e9es \u00e0 une perte de rendements ont amen\u00e9 le l\u00e9gislateur \u00e0 simplifier l\u2019offre existante. Le nouveau Plan d\u2019\u00c9pargne Retraite (PER) apporte simplification, lisibilit\u00e9 et attractivit\u00e9.<\/p>\n<h2><strong>Quels sont les avantages par rapport aux anciens plans ?<\/strong><\/h2>\n<h3><strong>Lisibilit\u00e9 : <\/strong><\/h3>\n<p>Le nouveau plan \u00e9pargne retraite (PER) existe sous 3 formes :<\/p>\n<ul>\n<li>Le PER individuel, qui succ\u00e8de au PERP et au \u201ccontrat Madelin\u201d,<\/li>\n<li>Le PER d\u2019entreprise collectif, qui remplace le PERCO,<\/li>\n<li>Et le PER d\u2019entreprise obligatoire, qui se substitue aux contrats \u201carticle 83\u201d.<\/li>\n<\/ul>\n<h3><strong>Attractivit\u00e9 : <\/strong><\/h3>\n<p>Un avantage fiscal li\u00e9 aux versements faits sur le plan, qui peuvent \u00eatre d\u00e9duits des revenus imposables. Les montants vers\u00e9s sur un PER individuel pendant l\u2019ann\u00e9e sont d\u00e9ductibles des revenus imposables de cette ann\u00e9e. (dans la limite d&rsquo;un plafond global fix\u00e9 pour chaque membre du foyer fiscal). Cette \u201ccarotte fiscale\u201d est d\u2019autant plus avantageuse que la tranche marginale d\u2019imposition du contribuable est \u00e9lev\u00e9e.<\/p>\n<p>Pour les salari\u00e9s, le plafond \u00e9gale le plus \u00e9lev\u00e9 des 2 montants suivants :<\/p>\n<ul>\n<li>10 % des revenus professionnels de 2020, nets de cotisations sociales et de frais professionnels, avec une d\u00e9duction maximale de <strong>32\u00a0909\u00a0\u20ac<\/strong>,<\/li>\n<li>ou <strong>4\u00a0114\u00a0\u20ac <\/strong>si ce montant est sup\u00e9rieur.<\/li>\n<\/ul>\n<p>La non-d\u00e9duction de ces versements du revenu imposable entra\u00eene un avantage fiscal au moment de la sortie du PER individuel.<\/p>\n<p>Pour les ind\u00e9pendants, le plafond correspond \u00e0 :<\/p>\n<ul>\n<li>10 % des b\u00e9n\u00e9fices imposables de 2021, dans la limite de <strong>329\u00a0088\u00a0\u20ac<\/strong> + 15% du b\u00e9n\u00e9fice imposable compris entre 1 et <strong>329 088 \u20ac,<\/strong><\/li>\n<li>ou <strong>4\u00a0114\u00a0\u20ac <\/strong>+ 15% du b\u00e9n\u00e9fice imposable compris entre 1 et <strong>329\u00a0088\u00a0\u20ac<\/strong>, si ce montant est sup\u00e9rieur.<\/li>\n<\/ul>\n<h3><strong>Transfert d\u2019un ancien plan vers le nouveau Plan d&rsquo;Epargne Retraite (PER)<\/strong><\/h3>\n<p>Il est possible de transf\u00e9rer les produits d&rsquo;\u00e9pargne d\u2019anciens plans d\u00e9j\u00e0 ouverts avant le 1er octobre 2019 sur le nouveau PER, qu\u2019il soit individuel ou collectif.<\/p>\n<p>Le transfert est gratuit si le produit a \u00e9t\u00e9 d\u00e9tenu pendant au moins 5 ans. Dans le cas contraire, des frais de transfert sont possibles, dans la limite de 1% de l&rsquo;\u00e9pargne accumul\u00e9e.<\/p>\n<p><strong>Bon \u00e0 savoir :<\/strong> Le transfert de l\u2019encours d&rsquo;un contrat d&rsquo;assurance vie de plus de 8 ans sur un PER individuel fait b\u00e9n\u00e9ficier le contribuable du double de l\u2019abattement pr\u00e9vu dans ce cas.<em>\u00a0<\/em><\/p>\n<h3><strong>Et toujours, pour les plans d\u2019entreprise\u2026<\/strong><\/h3>\n<p>Les plans ouverts en entreprise offrent \u00e9galement la possibilit\u00e9 de l\u2019abondement. L\u2019entreprise verse cette somme \u00ab\u00a0en plus\u00a0\u00bb dans le plan (elle \u00ab\u00a0abonde\u00a0\u00bb). Ce montant majore les montants investis par le salari\u00e9 \u00e9pargnant.<\/p>\n<p>Cet article vous a int\u00e9ress\u00e9 ? Dites-le nous dans les commentaires ci-apr\u00e8s ! Et retrouvez nos autres articles sur les contrats d\u2019\u00e9pargne et la retraite sur le blog de Valoxy :<\/p>\n<ul>\n<li><a style=\"font-size: revert; font-weight: revert; font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\" href=\"https:\/\/valoxy.org\/blog\/labondement-de-lepargne-salariale\/\">L\u2019abondement de l\u2019\u00e9pargne salariale<\/a><\/li>\n<li><a href=\"https:\/\/valoxy.org\/blog\/lepargne-salariale-fonctionnement-et-perspectives-2018-2019\/\">Fonctionnement et perspectives de l\u2019\u00e9pargne salariale<\/a><\/li>\n<li><a href=\"https:\/\/valoxy.org\/blog\/la-retraite-complementaire\/\">La retraite compl\u00e9mentaire: tour d\u2019horizon !<\/a><\/li>\n<li><a class=\"mkd-pt-link\" href=\"https:\/\/valoxy.org\/blog\/epargne-solidaire\/\" target=\"_self\" rel=\"noopener\">L\u2019\u00e9pargne solidaire<\/a><\/li>\n<li><a class=\"mkd-pt-link\" href=\"https:\/\/valoxy.org\/blog\/le-livret-depargne-entreprise-lee\/\" target=\"_self\" rel=\"noopener\">Le Livret d\u2019\u00e9pargne entreprise (LEE)<\/a><\/li>\n<\/ul>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le nouveau plan d\u2019\u00e9pargne retraite (PER) remplace progressivement les autres plans de retraite. Plus souple, il contient un avantage fiscal tr\u00e8s attractif : les montants investis peuvent se d\u00e9duire des revenus imposables. Ce nouveau PER a \u00e9t\u00e9 mis en place&#8230;<\/p>\n","protected":false},"author":1,"featured_media":32902,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-32898","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-social-rh"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Le nouveau Plan d\u2019\u00c9pargne Retraite (PER) | Blog Valoxy - Expertise comptable<\/title>\n<meta name=\"description\" content=\"Le nouveau Plan d\u2019Epargne retraite (PER) remplace progressivement les autres plans de retraite, et contient un avantage fiscal tr\u00e8s attractif.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le nouveau Plan d\u2019\u00c9pargne Retraite (PER) | Blog Valoxy - Expertise comptable\" \/>\n<meta property=\"og:description\" content=\"Le nouveau Plan d\u2019Epargne retraite (PER) remplace progressivement les autres plans de retraite, et contient un avantage fiscal tr\u00e8s attractif.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog Valoxy - Expertise comptable\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Valoxy\" \/>\n<meta property=\"article:published_time\" content=\"2021-04-06T10:09:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-05-28T15:47:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2021\/04\/plan-depargne-retraite-e1620197871716-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"304\" \/>\n\t<meta property=\"og:image:height\" content=\"203\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Expert-comptable Valoxy\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Expert-comptable Valoxy\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/\"},\"author\":{\"name\":\"Expert-comptable Valoxy\",\"@id\":\"https:\/\/valoxy.org\/blog\/#\/schema\/person\/d285f250195f45509ceac046366fcc4a\"},\"headline\":\"Le nouveau Plan d\u2019\u00c9pargne Retraite (PER)\",\"datePublished\":\"2021-04-06T10:09:35+00:00\",\"dateModified\":\"2025-05-28T15:47:01+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/\"},\"wordCount\":706,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/valoxy.org\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2021\/04\/plan-depargne-retraite-e1620197871716-1.jpg\",\"articleSection\":[\"Social-rh\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/\",\"url\":\"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/\",\"name\":\"Le nouveau Plan d\u2019\u00c9pargne Retraite (PER) | Blog Valoxy - Expertise comptable\",\"isPartOf\":{\"@id\":\"https:\/\/valoxy.org\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2021\/04\/plan-depargne-retraite-e1620197871716-1.jpg\",\"datePublished\":\"2021-04-06T10:09:35+00:00\",\"dateModified\":\"2025-05-28T15:47:01+00:00\",\"description\":\"Le nouveau Plan d\u2019Epargne retraite (PER) remplace progressivement les autres plans de retraite, et contient un avantage fiscal tr\u00e8s attractif.\",\"breadcrumb\":{\"@id\":\"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/#primaryimage\",\"url\":\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2021\/04\/plan-depargne-retraite-e1620197871716-1.jpg\",\"contentUrl\":\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2021\/04\/plan-depargne-retraite-e1620197871716-1.jpg\",\"width\":304,\"height\":203,\"caption\":\"Le nouveau Plan d\u2019\u00c9pargne Retraite (PER)\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/valoxy.org\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Le nouveau Plan d\u2019\u00c9pargne Retraite (PER)\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/valoxy.org\/blog\/#website\",\"url\":\"https:\/\/valoxy.org\/blog\/\",\"name\":\"Blog Valoxy\",\"description\":\"Le Blog Valoxy, ce sont plus de 1500 articles sur toute l&#039;actualit\u00e9 comptable, juridique, fiscale, et la gestion d&#039;entreprise\",\"publisher\":{\"@id\":\"https:\/\/valoxy.org\/blog\/#organization\"},\"alternateName\":\"Le Blog Valoxy, ce sont plus de 1500 articles sur toute l&#039;actualit\u00e9 comptable, juridique, fiscale, et la gestion d&#039;entreprise\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/valoxy.org\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/valoxy.org\/blog\/#organization\",\"name\":\"Blog Valoxy\",\"url\":\"https:\/\/valoxy.org\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/valoxy.org\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2024\/05\/cropped-blog-valoxy-logo-300x118-2.png\",\"contentUrl\":\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2024\/05\/cropped-blog-valoxy-logo-300x118-2.png\",\"width\":266,\"height\":100,\"caption\":\"Blog Valoxy\"},\"image\":{\"@id\":\"https:\/\/valoxy.org\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/Valoxy\",\"https:\/\/www.linkedin.com\/company\/valoxy\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/valoxy.org\/blog\/#\/schema\/person\/d285f250195f45509ceac046366fcc4a\",\"name\":\"Expert-comptable Valoxy\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\/\/valoxy.org\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/5e8d0ed8d4c117e5d77ddb78bbcab5f6b5841424c6b20eeaafcfd8741ef2aa2c?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/5e8d0ed8d4c117e5d77ddb78bbcab5f6b5841424c6b20eeaafcfd8741ef2aa2c?s=96&d=mm&r=g\",\"caption\":\"Expert-comptable Valoxy\"},\"sameAs\":[\"https:\/\/valoxy.org\/blog\"],\"url\":\"https:\/\/valoxy.org\/blog\/author\/ceo-valoxy\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Le nouveau Plan d\u2019\u00c9pargne Retraite (PER) | Blog Valoxy - Expertise comptable","description":"Le nouveau Plan d\u2019Epargne retraite (PER) remplace progressivement les autres plans de retraite, et contient un avantage fiscal tr\u00e8s attractif.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/","og_locale":"fr_FR","og_type":"article","og_title":"Le nouveau Plan d\u2019\u00c9pargne Retraite (PER) | Blog Valoxy - Expertise comptable","og_description":"Le nouveau Plan d\u2019Epargne retraite (PER) remplace progressivement les autres plans de retraite, et contient un avantage fiscal tr\u00e8s attractif.","og_url":"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/","og_site_name":"Blog Valoxy - Expertise comptable","article_publisher":"https:\/\/www.facebook.com\/Valoxy","article_published_time":"2021-04-06T10:09:35+00:00","article_modified_time":"2025-05-28T15:47:01+00:00","og_image":[{"width":304,"height":203,"url":"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2021\/04\/plan-depargne-retraite-e1620197871716-1.jpg","type":"image\/jpeg"}],"author":"Expert-comptable Valoxy","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Expert-comptable Valoxy","Dur\u00e9e de lecture estim\u00e9e":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/#article","isPartOf":{"@id":"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/"},"author":{"name":"Expert-comptable Valoxy","@id":"https:\/\/valoxy.org\/blog\/#\/schema\/person\/d285f250195f45509ceac046366fcc4a"},"headline":"Le nouveau Plan d\u2019\u00c9pargne Retraite (PER)","datePublished":"2021-04-06T10:09:35+00:00","dateModified":"2025-05-28T15:47:01+00:00","mainEntityOfPage":{"@id":"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/"},"wordCount":706,"commentCount":0,"publisher":{"@id":"https:\/\/valoxy.org\/blog\/#organization"},"image":{"@id":"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/#primaryimage"},"thumbnailUrl":"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2021\/04\/plan-depargne-retraite-e1620197871716-1.jpg","articleSection":["Social-rh"],"inLanguage":"fr-FR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/","url":"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/","name":"Le nouveau Plan d\u2019\u00c9pargne Retraite (PER) | Blog Valoxy - Expertise comptable","isPartOf":{"@id":"https:\/\/valoxy.org\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/#primaryimage"},"image":{"@id":"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/#primaryimage"},"thumbnailUrl":"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2021\/04\/plan-depargne-retraite-e1620197871716-1.jpg","datePublished":"2021-04-06T10:09:35+00:00","dateModified":"2025-05-28T15:47:01+00:00","description":"Le nouveau Plan d\u2019Epargne retraite (PER) remplace progressivement les autres plans de retraite, et contient un avantage fiscal tr\u00e8s attractif.","breadcrumb":{"@id":"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/#primaryimage","url":"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2021\/04\/plan-depargne-retraite-e1620197871716-1.jpg","contentUrl":"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2021\/04\/plan-depargne-retraite-e1620197871716-1.jpg","width":304,"height":203,"caption":"Le nouveau Plan d\u2019\u00c9pargne Retraite (PER)"},{"@type":"BreadcrumbList","@id":"https:\/\/valoxy.org\/blog\/le-nouveau-plan-depargne-retraite-per\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/valoxy.org\/blog\/"},{"@type":"ListItem","position":2,"name":"Le nouveau Plan d\u2019\u00c9pargne Retraite (PER)"}]},{"@type":"WebSite","@id":"https:\/\/valoxy.org\/blog\/#website","url":"https:\/\/valoxy.org\/blog\/","name":"Blog Valoxy","description":"Le Blog Valoxy, ce sont plus de 1500 articles sur toute l&#039;actualit\u00e9 comptable, juridique, fiscale, et la gestion d&#039;entreprise","publisher":{"@id":"https:\/\/valoxy.org\/blog\/#organization"},"alternateName":"Le Blog Valoxy, ce sont plus de 1500 articles sur toute l&#039;actualit\u00e9 comptable, juridique, fiscale, et la gestion d&#039;entreprise","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/valoxy.org\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/valoxy.org\/blog\/#organization","name":"Blog Valoxy","url":"https:\/\/valoxy.org\/blog\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/valoxy.org\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2024\/05\/cropped-blog-valoxy-logo-300x118-2.png","contentUrl":"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2024\/05\/cropped-blog-valoxy-logo-300x118-2.png","width":266,"height":100,"caption":"Blog Valoxy"},"image":{"@id":"https:\/\/valoxy.org\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/Valoxy","https:\/\/www.linkedin.com\/company\/valoxy"]},{"@type":"Person","@id":"https:\/\/valoxy.org\/blog\/#\/schema\/person\/d285f250195f45509ceac046366fcc4a","name":"Expert-comptable Valoxy","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/valoxy.org\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/5e8d0ed8d4c117e5d77ddb78bbcab5f6b5841424c6b20eeaafcfd8741ef2aa2c?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/5e8d0ed8d4c117e5d77ddb78bbcab5f6b5841424c6b20eeaafcfd8741ef2aa2c?s=96&d=mm&r=g","caption":"Expert-comptable Valoxy"},"sameAs":["https:\/\/valoxy.org\/blog"],"url":"https:\/\/valoxy.org\/blog\/author\/ceo-valoxy\/"}]}},"_links":{"self":[{"href":"https:\/\/valoxy.org\/blog\/wp-json\/wp\/v2\/posts\/32898","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/valoxy.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/valoxy.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/valoxy.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/valoxy.org\/blog\/wp-json\/wp\/v2\/comments?post=32898"}],"version-history":[{"count":4,"href":"https:\/\/valoxy.org\/blog\/wp-json\/wp\/v2\/posts\/32898\/revisions"}],"predecessor-version":[{"id":71670,"href":"https:\/\/valoxy.org\/blog\/wp-json\/wp\/v2\/posts\/32898\/revisions\/71670"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valoxy.org\/blog\/wp-json\/wp\/v2\/media\/32902"}],"wp:attachment":[{"href":"https:\/\/valoxy.org\/blog\/wp-json\/wp\/v2\/media?parent=32898"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valoxy.org\/blog\/wp-json\/wp\/v2\/categories?post=32898"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valoxy.org\/blog\/wp-json\/wp\/v2\/tags?post=32898"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}