Investing for retirement is essential in order to leave the active life with peace of mind. Depending on everyone’s situation, retirement represents a loss of 50% to 70% of professional income. Receiving only the pension from the general scheme may not be sufficient, particularly if one has had a choppy career or part-time jobs.
Many retirees want to find another source of income. Investments to grow your retirement are as numerous as they are varied: which one to choose?
The Retirement Savings Plan (PER), created by the Pacte law in 2019, is a legal and tax package that allows you to build up additional retirement benefits by making voluntary payments throughout your working life. The PER is fiscally advantageous since these payments are deductible from income tax up to 10%, according to Le Particulier.
According to an Ipsos study carried out for the Cercle des Épargnants, 32% of working people believe that the PER is the best investment for preparing for retirement. However, this is not the only investment available to retirees.
“Financial investment products yield much more than the PER but are also more risky. It’s very dynamic and profitable, but you need to have some investment experience or be well supported”, explains Jean-François Chauffeté, founder of EOR (Expertise Optimization Retraites).
Our retirement expert proposes, in the slideshow below, 5 very profitable investments which “are intended to provide additional income, therefore perfect for retirees”.
