The success of the new retirement savings plan (PER) is undeniable.
Since its launch in 2019, 3.4 million French people have already subscribed to this long-term, tax-free savings product.
We understand it.
The attractive tax advantage offered each year – payments are deductible within the limit of 10% of income – is appealing.
In this case, the tax on the capital and the interest accrued is due at the time of the liquidation of the contract, in principle on retirement.
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However, it is possible to limit or even eliminate the weight of this tax on exit.
How?
By keeping this contract intact and providing for an outcome for the benefit of a loved one (spouse, children, grandchildren, etc.), via the drafting of a beneficiary clause.
In the event of death, the tax benefit received does not have to be returned by the beneficiary.
“The first vocation of a PER is to have savings for his old age.
When a saver has other reserves to draw on, it is a shame to use...
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