The PER (Retirement Savings Plan) is a savings product implemented by the government since 2019. Its objective is to improve the conditions of contributors at the time of their retirement. This system allows you to save throughout your life so as to benefit from an annuity or additional capital once you retire. For this, it is necessary to open a securities account or a group insurance contract.

Three different types of PER exist, each addressing a distinct audience: the collective company PER, the mandatory company PER and, finally, the individual PER.

According to our colleagues from 20 Minutes, the choice of the best PER is made according to several criteria:

If the PER is an excellent way to prepare for retirement and pay less tax, there are however cases where it may be better not to open one. Check them out in our slideshow below.