{"id":11186,"date":"2020-09-02T12:00:00","date_gmt":"2020-09-02T10:00:00","guid":{"rendered":"https:\/\/www.bizouard.com\/blog\/2020\/09\/02\/un-premier-bilan-pour-le-nouveau-plan-depargne-retraite\/"},"modified":"2020-10-16T12:00:13","modified_gmt":"2020-10-16T10:00:13","slug":"un-premier-bilan-pour-le-nouveau-plan-depargne-retraite","status":"publish","type":"post","link":"https:\/\/www.bizouard.com\/blog\/2020\/09\/02\/un-premier-bilan-pour-le-nouveau-plan-depargne-retraite\/","title":{"rendered":"Un premier bilan pour le nouveau Plan d\u2019\u00e9pargne retraite"},"content":{"rendered":"<p>Depuis octobre\u00a02019, le nouveau Plan d\u2019\u00e9pargne retraite (PER), issu de la loi Pacte du 22\u00a0mai\u00a02019, est disponible. Pr\u00e8s d\u2019un an apr\u00e8s son lancement, l\u2019heure est au bilan. Et selon les derniers chiffres de la F\u00e9d\u00e9ration fran\u00e7aise d\u2019assurance, 210\u00a0000\u00a0contrats ont \u00e9t\u00e9 souscrits, portant l\u2019encours \u00e0 1,6\u00a0milliard d\u2019euros. \u00c0 noter toutefois que la majorit\u00e9 de ces encours proviennent de transferts provenant d\u2019anciens produits retraite. Dans le d\u00e9tail, 126\u00a0000\u00a0PER individuels ont \u00e9t\u00e9 ouverts. Pour les contrats d\u2019entreprises, seulement 3\u00a0000\u00a0PER collectifs ont \u00e9t\u00e9 recens\u00e9s. La faute s\u00fbrement au confinement qui a gel\u00e9 les n\u00e9gociations en entreprise et a p\u00e9nalis\u00e9 ce type de contrat.<\/p>\n<p class=\"annotation\">\n               <span class=\"titreannotation\">Rappel\u00a0:<\/span> le PER, qui peut \u00eatre souscrit \u00e0 titre individuel ou par une entreprise, a vocation \u00e0 rassembler les produits d\u2019\u00e9pargne retraite suppl\u00e9mentaire actuels. Pour ce faire, il est dot\u00e9 de trois compartiments. Un compartiment individuel qui remplace le Perp et le contrat Madelin. Un compartiment collectif d\u2019entreprise qui remplace le Perco. Et un compartiment obligatoire d\u2019entreprise qui remplace le contrat de l\u2019article\u00a083.<\/p>\n<p>Au total, ce sont 310\u00a0000\u00a0assur\u00e9s qui poss\u00e8dent un Plan d\u2019\u00e9pargne retraite \u00e0 fin juin\u00a02020, dont\u00a0210\u00a0000 dans sa version individuelle.<\/p>\n<p>Les Echos Publishing 2020<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00c0 fin juin\u00a02020, 310\u00a0000\u00a0assur\u00e9s poss\u00e8dent un Plan d\u2019\u00e9pargne retraite.<\/p>\n","protected":false},"author":5,"featured_media":11187,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[35,36],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/11186"}],"collection":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/comments?post=11186"}],"version-history":[{"count":0,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/11186\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media\/11187"}],"wp:attachment":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media?parent=11186"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/categories?post=11186"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/tags?post=11186"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}