To properly prepare for retirement, the use of a retirement savings plan is essential in order to guarantee additional resources for your retirement pension. Since 2019, the retirement savings plan (PER) has succeeded the PERP, as well as the Madelin contract, to establish itself as one of the preferred choices by future retirees. If you want to take advantage of all its advantages, however, it is better to plan your payments intelligently. Explanations.

The retirement savings plan (PER) allows an individual to build up savings throughout their working life. At the time of retirement, this savings is then transformed into the form of capital or an annuity. The individual PER is open to everyone and there are no specific conditions to be able to create it. Regardless of your professional category, you can subscribe to a PER and create a personalized payment plan. These remain, over time, free and without obligation.

The retirement savings plan (PER) offers its subscriber the possibility of creating long-term retirement savings. You can fund your PER as you wish, but it is better to imagine a payment plan to better take advantage of these savings. Thus, when you gradually invest on your PER, you earn more when the funds come out. It is therefore possible to invest through shares or to create monthly payments aimed at absorbing stock market variations. Also note that voluntary payments made over a year are deductible from taxable income, up to a certain limit.