“Life insurance and PER are complementary investments”

To enjoy your retirement in peace, anticipate this key! Thus, it is advisable to start investing at the age of 40 to have additional income to your retirement pension and maintain your purchasing power. Plan Épargne Retraite (PER), assurance vie, immobilier … Watch the resumption of the new digital event from May 11, and discover the convictions of three experts in phares placements for your preparation for retirement.

All the wealth management professionals will tell you, when it comes to retirement, it’s a must-have! Indeed, if you contribute the required number of quarters at full rate, your retirement pension will be about half your average annual salary: it is calculated from the gross annual salaries of the 25 best years of your career, within the limits of the Social Security Ceiling (PASS, or 41,136 per year in 2022). Thus, in order to benefit from a supplementary income after professional life, it is essential to start saving a plus tôt after 40 years.

Le Plan Épargne Retraite (PER) is now a unique specific placement dedicated to preparing for retirement. As of October 2020, Perp, Perco, Corem, Madelin contracts and Article 83 are no longer on the market. The Pact Act has smoothed out the differences between the old retirement savings funds, to allow every French person to invest in one and the same investment throughout their career, regardless of any changes in status (entrepreneurship, employees ). , office clerk…).

The PER can contain 3 compartments: the first is abundant by your individual payments, the second and third by collective payments (through your employer for example) optional on the one hand and mandatory on the other. Transfers between these three “pockets” are facilitated.


Life and PER insurance: additional investments

Placement favorite of the French, life insurance is often used by savers to set up a capital for their retirement. The PER also allows for a capital outflow (or in the form of a life annuity such as old retirement savings contracts). “Les Français détestent la rente,” says Stellane Cohen, president of Altaprofits. She recommends opening a PER “as soon as you enter working life because when you start early, you are more likely to seize market opportunities and you can feed your plan at your own pace.”

“Life insurance and PER are complementary investments”, underlined the three guests. They are to be considered within a global and evolving heritage strategy, depending on your personal situation and your age. “For starters, it makes more sense to start with life insurance before the PER,” says Olivier Sentis, CEO of MIF.
„Life insurance is a multi-project savings mode. But retirement savings need to be secured, and therefore allocated. This is what the PER allows, ”says Christian Carrega, President of Préfon Distribution.

Real estate: a safe bet to enjoy additional retirement income

The French also rely on real estate investments to prepare for retirement. Thus, 7 out of 10 seniors own their main residence, according to INSEE. This is a lot compared to the Anglo-Saxon countries of the European Union (Germany, Austria, the United Kingdom, Norway, Denmark, Switzerland) where less than one in two seniors owns their main residence. One of the goals expressed by investors is to limit their spending at the time of retirement. However, real estate can generate additional income. There are many options available: managed real estate, rental real estate, stone and paper investment, by buying shares in a Civil Real Estate Investment Corporation (SCPI), for example.


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