For the subscription of a retirement savings plan (PER) to be always a profitable operation, it is not enough to chase costs and choose a good distribution of your savings.
It is also necessary to optimize it fiscally.
This implies in the first place to be taxed in a high marginal bracket - most professionals mention that at 30% - to benefit from the largest possible tax deduction.
And, above all,
"it is important to reinvest in the PER the expected tax savings"
, explains Stellane Cohen, president of the online broker Altaprofits.
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Retirement savings plan: 5 criteria for choosing
Imagine you have 10,000 euros to invest, net of fees.
If you invest this amount in a life insurance policy, with no entry tax benefit, which brings in 3% per year, you will be at the head of € 10,300 after one year.
Let us now take the same savings effort of € 10,000 which is, this time, invested in the PER.
For a taxpayer taxed at 30%, this means that he can invest € 14,285 by integrating
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