{"id":1963,"date":"2024-05-18T18:19:32","date_gmt":"2024-05-18T16:19:32","guid":{"rendered":"https:\/\/astra-patrimoine.fr\/?page_id=1963"},"modified":"2025-08-20T21:06:34","modified_gmt":"2025-08-20T19:06:34","slug":"per-pour-preparer-sa-retraite","status":"publish","type":"page","link":"https:\/\/astra-patrimoine.fr\/index.php\/per-pour-preparer-sa-retraite\/","title":{"rendered":"Plan Epargne Retraite"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1963\" class=\"elementor elementor-1963\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dc09af9 e-con-full e-flex e-con e-parent\" data-id=\"dc09af9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb8b1e6 elementor-widget elementor-widget-image\" data-id=\"bb8b1e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img  title=\"\" alt=\"\" fetchpriority=\"high\" decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406.webp\" class=\"attachment-large size-large wp-image-5041\" alt=\"\" srcset=\"https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406.webp 600w, https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406-300x200.webp 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aed637c e-flex e-con-boxed e-con e-parent\" data-id=\"aed637c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65b6bbc elementor-widget elementor-widget-heading\" data-id=\"65b6bbc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Plan Epargne Retraite<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb9b355 e-flex e-con-boxed e-con e-parent\" data-id=\"cb9b355\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-93c8788 elementor-widget elementor-widget-heading\" data-id=\"93c8788\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Optimisez votre \u00c9pargne avec le Plan d\u2019\u00c9pargne Retraite PER : Fonctionnement, Avantages et Risques<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1f2f874 e-flex e-con-boxed e-con e-parent\" data-id=\"1f2f874\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d57d19d elementor-widget elementor-widget-text-editor\" data-id=\"d57d19d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex-1 overflow-hidden @container\/thread translate-y-[2rem] -mt-[2rem] pb-[1.5rem]\"><div class=\"relative h-full\"><div class=\"flex h-full flex-col overflow-y-auto [scrollbar-gutter:stable]\"><div class=\"flex flex-col text-sm md:pb-9\"><article class=\"w-full text-token-text-primary focus-visible:outline-2 focus-visible:outline-offset-[-4px]\" dir=\"auto\" data-testid=\"conversation-turn-17\" data-scroll-anchor=\"true\"><div class=\"m-auto text-base py-[18px] px-6\"><div class=\"mx-auto flex flex-1 text-base gap-4 md:gap-5 lg:gap-6 md:max-w-3xl\"><div class=\"group\/conversation-turn relative flex w-full min-w-0 flex-col agent-turn @xs\/thread:px-0 @sm\/thread:px-1.5 @md\/thread:px-4\"><div class=\"flex-col gap-1 md:gap-3\"><div class=\"flex max-w-full flex-col flex-grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 whitespace-normal break-words text-start [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"d89f8956-112f-4fd7-aa0b-85b215e3d925\" data-message-model-slug=\"gpt-4o-mini\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\"><div class=\"markdown prose w-full break-words dark:prose-invert dark\"><div class=\"flex-1 overflow-hidden @container\/thread translate-y-[2rem] -mt-[2rem] pb-[1.5rem]\"><div class=\"relative h-full\"><div class=\"flex h-full flex-col overflow-y-auto [scrollbar-gutter:stable]\"><div class=\"flex flex-col text-sm md:pb-9\"><article class=\"w-full text-token-text-primary focus-visible:outline-2 focus-visible:outline-offset-[-4px]\" dir=\"auto\" data-testid=\"conversation-turn-17\" data-scroll-anchor=\"true\"><div class=\"m-auto text-base py-[18px] px-6\"><div class=\"mx-auto flex flex-1 text-base gap-4 md:gap-5 lg:gap-6 md:max-w-3xl\"><div class=\"group\/conversation-turn relative flex w-full min-w-0 flex-col agent-turn @xs\/thread:px-0 @sm\/thread:px-1.5 @md\/thread:px-4\"><div class=\"flex-col gap-1 md:gap-3\"><div class=\"flex max-w-full flex-col flex-grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 whitespace-normal break-words text-start [.text-message+&amp;]:mt-5\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"d89f8956-112f-4fd7-aa0b-85b215e3d925\" data-message-model-slug=\"gpt-4o-mini\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\"><div class=\"markdown prose w-full break-words dark:prose-invert dark\"><hr data-start=\"529\" data-end=\"532\" \/><\/div><\/div><\/div><\/div><div class=\"mb-2 flex gap-3 empty:hidden -ml-2\"><h2 data-start=\"316\" data-end=\"404\">Plan \u00c9pargne Retraite (PER) : un outil cl\u00e9 pour optimiser sa retraite et sa fiscalit\u00e9<\/h2><h3 data-start=\"406\" data-end=\"450\">Qu\u2019est-ce que le <a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F34982\">PER<\/a> et \u00e0 quoi sert-il ?<\/h3><p data-start=\"452\" data-end=\"803\">Le <strong data-start=\"455\" data-end=\"486\">Plan \u00c9pargne Retraite (PER)<\/strong> est un produit d\u2019\u00e9pargne \u00e0 long terme destin\u00e9 \u00e0 aider les particuliers \u00e0 se constituer un compl\u00e9ment de revenus pour leur retraite. Cr\u00e9\u00e9 par la loi PACTE en 2019, il remplace les anciens produits comme le PERP ou le contrat Madelin, tout en les regroupant en une solution plus souple et plus avantageuse fiscalement.<\/p><p data-start=\"805\" data-end=\"1028\">Mais le PER ne se limite pas \u00e0 une simple \u00e9pargne retraite. Il s\u2019inscrit dans une <strong data-start=\"887\" data-end=\"921\">strat\u00e9gie patrimoniale globale<\/strong>, en lien direct avec l\u2019<strong data-start=\"945\" data-end=\"964\">analyse fiscale<\/strong>, l\u2019<strong data-start=\"968\" data-end=\"997\">optimisation de rendement<\/strong>, et la <strong data-start=\"1005\" data-end=\"1027\">r\u00e9duction d\u2019imp\u00f4ts<\/strong>.<\/p><hr data-start=\"1030\" data-end=\"1033\" \/><h3 data-start=\"1035\" data-end=\"1080\">Quels sont les avantages fiscaux du PER ?<\/h3><p data-start=\"1082\" data-end=\"1365\">L\u2019un des grands atouts du PER est sa <strong data-start=\"1119\" data-end=\"1144\">fiscalit\u00e9 avantageuse<\/strong>, notamment \u00e0 l\u2019entr\u00e9e. Les versements volontaires sont d\u00e9ductibles du revenu imposable dans certaines limites. Cela permet une <strong data-start=\"1272\" data-end=\"1303\">r\u00e9duction d\u2019imp\u00f4t imm\u00e9diate<\/strong>, ce qui en fait un outil puissant d\u2019<strong data-start=\"1340\" data-end=\"1364\">optimisation fiscale<\/strong>.<\/p><ul data-start=\"1367\" data-end=\"1566\"><li data-start=\"1367\" data-end=\"1485\"><p data-start=\"1369\" data-end=\"1485\">Pour un salari\u00e9, la d\u00e9duction est plafonn\u00e9e \u00e0 10 % des revenus professionnels, dans la limite de 32 909 \u20ac (en 2025).<\/p><\/li><li data-start=\"1486\" data-end=\"1566\"><p data-start=\"1488\" data-end=\"1566\">Pour un travailleur non salari\u00e9, la d\u00e9duction peut atteindre jusqu&rsquo;\u00e0 81 384 \u20ac.<\/p><\/li><\/ul><p data-start=\"1568\" data-end=\"1690\">\ud83d\udca1 <strong data-start=\"1571\" data-end=\"1590\">Exemple concret<\/strong> : pour une personne impos\u00e9e \u00e0 30 %, un versement de 5 000 \u20ac permet une \u00e9conomie d\u2019imp\u00f4t de 1 500 \u20ac.<\/p><hr data-start=\"1692\" data-end=\"1695\" \/><h3 data-start=\"1697\" data-end=\"1750\">Une solution souple malgr\u00e9 son horizon long terme<\/h3><p data-start=\"1752\" data-end=\"2046\">Contrairement aux id\u00e9es re\u00e7ues, le PER n\u2019est pas fig\u00e9 jusqu\u2019\u00e0 la retraite. Il existe plusieurs cas de d\u00e9blocage anticip\u00e9, comme l\u2019achat de la r\u00e9sidence principale, le d\u00e9c\u00e8s du conjoint, ou une situation d\u2019invalidit\u00e9. Cela en fait un produit <strong data-start=\"1993\" data-end=\"2006\">modulable<\/strong>, adapt\u00e9 \u00e0 diff\u00e9rents moments de la vie.<\/p><p data-start=\"2048\" data-end=\"2243\">Au moment du d\u00e9part en retraite, le capital peut \u00eatre <strong data-start=\"2102\" data-end=\"2163\">sorti sous forme de rente, de capital, ou un mix des deux<\/strong>, selon votre besoin de revenus compl\u00e9mentaires et votre strat\u00e9gie patrimoniale.<\/p><hr data-start=\"2245\" data-end=\"2248\" \/><h3 data-start=\"2250\" data-end=\"2304\">Le PER dans une strat\u00e9gie de gestion de patrimoine<\/h3><p data-start=\"2306\" data-end=\"2688\">Le PER n\u2019est pas une solution isol\u00e9e. Il s\u2019int\u00e8gre dans un <strong data-start=\"2365\" data-end=\"2393\">bilan patrimonial global<\/strong>. En fonction de vos objectifs \u2014 r\u00e9duire votre fiscalit\u00e9, anticiper votre retraite, s\u00e9curiser votre avenir \u2014 nous r\u00e9alisons chez <strong data-start=\"2522\" data-end=\"2542\">Astra Patrimoine<\/strong> \u00e0 <strong data-start=\"2545\" data-end=\"2554\">Reims<\/strong> une <a href=\"https:\/\/astra-patrimoine.fr\/index.php\/placement-financier\/\"><strong data-start=\"2559\" data-end=\"2581\">analyse financi\u00e8re<\/strong><\/a>, <strong data-start=\"2583\" data-end=\"2594\">fiscale<\/strong>, et <strong data-start=\"2599\" data-end=\"2609\">civile<\/strong> pour d\u00e9terminer le bon niveau de versement et le bon support d\u2019investissement.<\/p><p data-start=\"2690\" data-end=\"2752\">Nous int\u00e9grons le PER dans une approche plus large, incluant :<\/p><ul data-start=\"2754\" data-end=\"3075\"><li data-start=\"2754\" data-end=\"2828\"><p data-start=\"2756\" data-end=\"2828\"><strong data-start=\"2756\" data-end=\"2773\">Assurance vie<\/strong> : pour plus de liquidit\u00e9 et de souplesse successorale.<\/p><\/li><li data-start=\"2829\" data-end=\"2905\"><p data-start=\"2831\" data-end=\"2905\"><strong data-start=\"2831\" data-end=\"2860\">Contrat de capitalisation<\/strong> : notamment en cas de d\u00e9tention via soci\u00e9t\u00e9.<\/p><\/li><li data-start=\"2906\" data-end=\"2992\"><p data-start=\"2908\" data-end=\"2992\"><strong data-start=\"2908\" data-end=\"2916\">SCPI<\/strong> ou <strong data-start=\"2920\" data-end=\"2940\">unit\u00e9s de compte<\/strong> : pour am\u00e9liorer le <strong data-start=\"2961\" data-end=\"2974\">rendement<\/strong> de votre \u00e9pargne.<\/p><\/li><li data-start=\"2993\" data-end=\"3075\"><p data-start=\"2995\" data-end=\"3075\"><strong data-start=\"2995\" data-end=\"3024\">Plan \u00c9pargne Action (PEA)<\/strong> : pour dynamiser la performance sur le long terme.<\/p><\/li><\/ul><hr data-start=\"3077\" data-end=\"3080\" \/><h3 data-start=\"3082\" data-end=\"3127\">Quels profils sont concern\u00e9s par le PER ?<\/h3><p data-start=\"3129\" data-end=\"3168\">Le PER convient \u00e0 de nombreux profils :<\/p><ul data-start=\"3170\" data-end=\"3562\"><li data-start=\"3170\" data-end=\"3270\"><p data-start=\"3172\" data-end=\"3270\"><strong data-start=\"3172\" data-end=\"3189\">Jeunes actifs<\/strong> : pour commencer \u00e0 se constituer une retraite tout en r\u00e9duisant leur imposition.<\/p><\/li><li data-start=\"3271\" data-end=\"3373\"><p data-start=\"3273\" data-end=\"3373\"><strong data-start=\"3273\" data-end=\"3308\">Cadres et professions lib\u00e9rales<\/strong> : pour optimiser leur assiette fiscale et anticiper leur avenir.<\/p><\/li><li data-start=\"3374\" data-end=\"3461\"><p data-start=\"3376\" data-end=\"3461\"><strong data-start=\"3376\" data-end=\"3398\">Chefs d\u2019entreprise<\/strong> : pour structurer leur \u00e9pargne et organiser leur transmission.<\/p><\/li><li data-start=\"3462\" data-end=\"3562\"><p data-start=\"3464\" data-end=\"3562\"><strong data-start=\"3464\" data-end=\"3481\">Pr\u00e9-retrait\u00e9s<\/strong> : pour placer une prime ou un exc\u00e9dent de tr\u00e9sorerie avec des avantages fiscaux.<\/p><\/li><\/ul><p data-start=\"3564\" data-end=\"3687\">Chez <strong data-start=\"3569\" data-end=\"3589\">Astra Patrimoine<\/strong>, nous adaptons la strat\u00e9gie en fonction de vos objectifs personnels, professionnels et familiaux.<\/p><hr data-start=\"3689\" data-end=\"3692\" \/><h3 data-start=\"3694\" data-end=\"3768\">PER individuel, PER collectif, PER obligatoire : quelles diff\u00e9rences ?<\/h3><p data-start=\"3770\" data-end=\"3804\">Il existe plusieurs types de PER :<\/p><ul data-start=\"3806\" data-end=\"4047\"><li data-start=\"3806\" data-end=\"3892\"><p data-start=\"3808\" data-end=\"3892\"><strong data-start=\"3808\" data-end=\"3826\">PER individuel<\/strong> (ex-PERP, Madelin) : accessible \u00e0 tous, pilot\u00e9 \u00e0 titre personnel.<\/p><\/li><li data-start=\"3893\" data-end=\"3955\"><p data-start=\"3895\" data-end=\"3955\"><strong data-start=\"3895\" data-end=\"3912\">PER collectif<\/strong> : propos\u00e9 par l\u2019entreprise \u00e0 ses salari\u00e9s.<\/p><\/li><li data-start=\"3956\" data-end=\"4047\"><p data-start=\"3958\" data-end=\"4047\"><strong data-start=\"3958\" data-end=\"3977\">PER obligatoire<\/strong> : vers\u00e9 dans le cadre de l\u2019entreprise, avec cotisations obligatoires.<\/p><\/li><\/ul><p data-start=\"4049\" data-end=\"4177\">Selon votre statut (salari\u00e9, ind\u00e9pendant, dirigeant), nous vous aidons \u00e0 identifier <strong data-start=\"4133\" data-end=\"4158\">le PER le plus adapt\u00e9<\/strong> \u00e0 votre situation.<\/p><hr data-start=\"4179\" data-end=\"4182\" \/><h3 data-start=\"4184\" data-end=\"4262\">Pourquoi se faire accompagner par un conseiller en gestion de patrimoine ?<\/h3><p data-start=\"4264\" data-end=\"4560\">Mettre en place un PER demande une r\u00e9flexion sur la dur\u00e9e, la capacit\u00e9 d\u2019\u00e9pargne, la fiscalit\u00e9 et les besoins futurs. Un <strong data-start=\"4385\" data-end=\"4407\">conseil sur mesure<\/strong> permet d\u2019\u00e9viter les erreurs courantes (surcotisation, mauvais support, manque de flexibilit\u00e9) et de construire une <strong data-start=\"4523\" data-end=\"4559\">strat\u00e9gie patrimoniale coh\u00e9rente<\/strong>.<\/p><p data-start=\"4562\" data-end=\"4636\">Chez <strong data-start=\"4567\" data-end=\"4595\">Astra Patrimoine \u00e0 Reims<\/strong>, nous vous accompagnons \u00e0 chaque \u00e9tape :<\/p><ol data-start=\"4638\" data-end=\"4919\"><li data-start=\"4638\" data-end=\"4698\"><p data-start=\"4641\" data-end=\"4698\"><strong data-start=\"4641\" data-end=\"4670\">Rencontre sans engagement<\/strong> pour d\u00e9couvrir vos attentes<\/p><\/li><li data-start=\"4699\" data-end=\"4762\"><p data-start=\"4702\" data-end=\"4762\"><strong data-start=\"4702\" data-end=\"4732\">Analyse de votre situation<\/strong> financi\u00e8re, fiscale et civile<\/p><\/li><li data-start=\"4763\" data-end=\"4811\"><p data-start=\"4766\" data-end=\"4811\"><strong data-start=\"4766\" data-end=\"4811\">\u00c9laboration d\u2019une strat\u00e9gie personnalis\u00e9e<\/strong><\/p><\/li><li data-start=\"4812\" data-end=\"4855\"><p data-start=\"4815\" data-end=\"4855\"><strong data-start=\"4815\" data-end=\"4846\">Mise en place des solutions<\/strong> adapt\u00e9es<\/p><\/li><li data-start=\"4856\" data-end=\"4919\"><p data-start=\"4859\" data-end=\"4919\"><strong data-start=\"4859\" data-end=\"4882\">Suivi dans le temps<\/strong> et ajustements selon votre \u00e9volution<\/p><\/li><\/ol><hr data-start=\"4921\" data-end=\"4924\" \/><h3 data-start=\"4926\" data-end=\"4951\">Ce qu\u2019il faut retenir<\/h3><p data-start=\"4953\" data-end=\"5028\">Le <strong data-start=\"4956\" data-end=\"4981\">Plan \u00c9pargne Retraite<\/strong> est un <strong data-start=\"4989\" data-end=\"5010\">outil structurant<\/strong>, \u00e0 la fois pour :<\/p><ul data-start=\"5030\" data-end=\"5190\"><li data-start=\"5030\" data-end=\"5069\"><p data-start=\"5032\" data-end=\"5069\"><strong data-start=\"5032\" data-end=\"5069\">Pr\u00e9parer sa retraite efficacement<\/strong><\/p><\/li><li data-start=\"5070\" data-end=\"5094\"><p data-start=\"5072\" data-end=\"5094\"><strong data-start=\"5072\" data-end=\"5094\">R\u00e9duire ses imp\u00f4ts<\/strong><\/p><\/li><li data-start=\"5095\" data-end=\"5136\"><p data-start=\"5097\" data-end=\"5136\"><strong data-start=\"5097\" data-end=\"5136\">Optimiser ses placements financiers<\/strong><\/p><\/li><li data-start=\"5137\" data-end=\"5190\"><p data-start=\"5139\" data-end=\"5190\"><strong data-start=\"5139\" data-end=\"5190\">Construire une strat\u00e9gie patrimoniale coh\u00e9rente<\/strong><\/p><\/li><\/ul><p data-start=\"5192\" data-end=\"5390\">En tant que <strong data-start=\"5204\" data-end=\"5251\">conseiller en gestion de patrimoine \u00e0 Reims<\/strong>, nous vous aidons \u00e0 int\u00e9grer le PER dans une approche globale, afin de <strong data-start=\"5323\" data-end=\"5389\">faire fructifier votre \u00e9pargne tout en s\u00e9curisant votre avenir<\/strong>.<\/p><\/div><\/div><\/div><\/div><\/div><\/article><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Plan Epargne Retraite Optimisez votre \u00c9pargne avec le Plan d\u2019\u00c9pargne Retraite PER : Fonctionnement, Avantages et Risques Plan \u00c9pargne Retraite (PER) : un outil cl\u00e9 pour optimiser sa retraite et sa fiscalit\u00e9 Qu\u2019est-ce que le PER et \u00e0 quoi sert-il ? Le Plan \u00c9pargne Retraite (PER) est un produit d\u2019\u00e9pargne \u00e0 long terme destin\u00e9 \u00e0 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5041,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"Les meilleurs conseils en optimisation patrimoniale \u00e0 Reims. Investissement financier et immobilier. Baisse de la pression fiscale et de l&#039;imposition.","_seopress_robots_index":"","_seopress_analysis_target_kw":"","ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","footnotes":""},"class_list":["post-1963","page","type-page","status-publish","has-post-thumbnail","hentry","entry","has-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pr\u00e9parer sa retraite PER \u00e0 Reims<\/title>\n<meta name=\"description\" content=\"pr\u00e9parez votre retraite tout en r\u00e9duisant vos imp\u00f4ts gr\u00e2ce \u00e0 une strat\u00e9gie patrimoniale personnalis\u00e9e avec Astra Patrimoine\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/astra-patrimoine.fr\/index.php\/per-pour-preparer-sa-retraite\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u00e9parer sa retraite PER \u00e0 Reims\" \/>\n<meta property=\"og:description\" content=\"pr\u00e9parez votre retraite tout en r\u00e9duisant vos imp\u00f4ts gr\u00e2ce \u00e0 une strat\u00e9gie patrimoniale personnalis\u00e9e avec Astra Patrimoine\" \/>\n<meta property=\"og:url\" content=\"https:\/\/astra-patrimoine.fr\/index.php\/per-pour-preparer-sa-retraite\/\" \/>\n<meta property=\"og:site_name\" content=\"ASTRA Patrimoine\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/?locale=fr_FR\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-20T19:06:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/astra-patrimoine.fr\\\/index.php\\\/per-pour-preparer-sa-retraite\\\/\",\"url\":\"https:\\\/\\\/astra-patrimoine.fr\\\/index.php\\\/per-pour-preparer-sa-retraite\\\/\",\"name\":\"Pr\u00e9parer sa retraite PER \u00e0 Reims\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/astra-patrimoine.fr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/astra-patrimoine.fr\\\/index.php\\\/per-pour-preparer-sa-retraite\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/astra-patrimoine.fr\\\/index.php\\\/per-pour-preparer-sa-retraite\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/astra-patrimoine.fr\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/pexels-photo-20407406.webp\",\"datePublished\":\"2024-05-18T16:19:32+00:00\",\"dateModified\":\"2025-08-20T19:06:34+00:00\",\"description\":\"pr\u00e9parez votre retraite tout en r\u00e9duisant vos imp\u00f4ts gr\u00e2ce \u00e0 une strat\u00e9gie patrimoniale personnalis\u00e9e avec Astra Patrimoine\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/astra-patrimoine.fr\\\/index.php\\\/per-pour-preparer-sa-retraite\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/astra-patrimoine.fr\\\/index.php\\\/per-pour-preparer-sa-retraite\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/astra-patrimoine.fr\\\/index.php\\\/per-pour-preparer-sa-retraite\\\/#primaryimage\",\"url\":\"https:\\\/\\\/astra-patrimoine.fr\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/pexels-photo-20407406.webp\",\"contentUrl\":\"https:\\\/\\\/astra-patrimoine.fr\\\/wp-content\\\/uploads\\\/2025\\\/06\\\/pexels-photo-20407406.webp\",\"width\":600,\"height\":400,\"caption\":\"Plan Epargne Retraite\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/astra-patrimoine.fr\\\/index.php\\\/per-pour-preparer-sa-retraite\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/astra-patrimoine.fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Plan Epargne Retraite\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/astra-patrimoine.fr\\\/#website\",\"url\":\"https:\\\/\\\/astra-patrimoine.fr\\\/\",\"name\":\"astra-patrimoine.fr\",\"description\":\"Expert en optimisation fiscale, financi\u00e8re et immobili\u00e8re\",\"publisher\":{\"@id\":\"https:\\\/\\\/astra-patrimoine.fr\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/astra-patrimoine.fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/astra-patrimoine.fr\\\/#organization\",\"name\":\"ASTRA Patrimoine\",\"url\":\"https:\\\/\\\/astra-patrimoine.fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/astra-patrimoine.fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/astra-patrimoine.fr\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/AP-1.png\",\"contentUrl\":\"https:\\\/\\\/astra-patrimoine.fr\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/AP-1.png\",\"width\":500,\"height\":500,\"caption\":\"ASTRA Patrimoine\"},\"image\":{\"@id\":\"https:\\\/\\\/astra-patrimoine.fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/?locale=fr_FR\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/damien-belin?lipi=urnlipaged_flagship3_profile_view_base_contact_detailsJO5Kc9fTIW3G24IZO1q0A\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Pr\u00e9parer sa retraite PER \u00e0 Reims","description":"pr\u00e9parez votre retraite tout en r\u00e9duisant vos imp\u00f4ts gr\u00e2ce \u00e0 une strat\u00e9gie patrimoniale personnalis\u00e9e avec Astra Patrimoine","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/astra-patrimoine.fr\/index.php\/per-pour-preparer-sa-retraite\/","og_locale":"fr_FR","og_type":"article","og_title":"Pr\u00e9parer sa retraite PER \u00e0 Reims","og_description":"pr\u00e9parez votre retraite tout en r\u00e9duisant vos imp\u00f4ts gr\u00e2ce \u00e0 une strat\u00e9gie patrimoniale personnalis\u00e9e avec Astra Patrimoine","og_url":"https:\/\/astra-patrimoine.fr\/index.php\/per-pour-preparer-sa-retraite\/","og_site_name":"ASTRA Patrimoine","article_publisher":"https:\/\/www.facebook.com\/?locale=fr_FR","article_modified_time":"2025-08-20T19:06:34+00:00","og_image":[{"width":600,"height":400,"url":"https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406.webp","type":"image\/webp"}],"twitter_card":"summary_large_image","twitter_misc":{"Dur\u00e9e de lecture estim\u00e9e":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/astra-patrimoine.fr\/index.php\/per-pour-preparer-sa-retraite\/","url":"https:\/\/astra-patrimoine.fr\/index.php\/per-pour-preparer-sa-retraite\/","name":"Pr\u00e9parer sa retraite PER \u00e0 Reims","isPartOf":{"@id":"https:\/\/astra-patrimoine.fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/astra-patrimoine.fr\/index.php\/per-pour-preparer-sa-retraite\/#primaryimage"},"image":{"@id":"https:\/\/astra-patrimoine.fr\/index.php\/per-pour-preparer-sa-retraite\/#primaryimage"},"thumbnailUrl":"https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406.webp","datePublished":"2024-05-18T16:19:32+00:00","dateModified":"2025-08-20T19:06:34+00:00","description":"pr\u00e9parez votre retraite tout en r\u00e9duisant vos imp\u00f4ts gr\u00e2ce \u00e0 une strat\u00e9gie patrimoniale personnalis\u00e9e avec Astra Patrimoine","breadcrumb":{"@id":"https:\/\/astra-patrimoine.fr\/index.php\/per-pour-preparer-sa-retraite\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/astra-patrimoine.fr\/index.php\/per-pour-preparer-sa-retraite\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/astra-patrimoine.fr\/index.php\/per-pour-preparer-sa-retraite\/#primaryimage","url":"https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406.webp","contentUrl":"https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406.webp","width":600,"height":400,"caption":"Plan Epargne Retraite"},{"@type":"BreadcrumbList","@id":"https:\/\/astra-patrimoine.fr\/index.php\/per-pour-preparer-sa-retraite\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/astra-patrimoine.fr\/"},{"@type":"ListItem","position":2,"name":"Plan Epargne Retraite"}]},{"@type":"WebSite","@id":"https:\/\/astra-patrimoine.fr\/#website","url":"https:\/\/astra-patrimoine.fr\/","name":"astra-patrimoine.fr","description":"Expert en optimisation fiscale, financi\u00e8re et immobili\u00e8re","publisher":{"@id":"https:\/\/astra-patrimoine.fr\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/astra-patrimoine.fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/astra-patrimoine.fr\/#organization","name":"ASTRA Patrimoine","url":"https:\/\/astra-patrimoine.fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/astra-patrimoine.fr\/#\/schema\/logo\/image\/","url":"https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/05\/AP-1.png","contentUrl":"https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/05\/AP-1.png","width":500,"height":500,"caption":"ASTRA Patrimoine"},"image":{"@id":"https:\/\/astra-patrimoine.fr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/?locale=fr_FR","https:\/\/www.linkedin.com\/in\/damien-belin?lipi=urnlipaged_flagship3_profile_view_base_contact_detailsJO5Kc9fTIW3G24IZO1q0A"]}]}},"rttpg_featured_image_url":{"full":["https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406.webp",600,400,false],"landscape":["https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406.webp",600,400,false],"portraits":["https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406.webp",600,400,false],"thumbnail":["https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406-150x150.webp",150,150,true],"medium":["https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406-300x200.webp",300,200,true],"large":["https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406.webp",600,400,false],"1536x1536":["https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406.webp",600,400,false],"2048x2048":["https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406.webp",600,400,false],"ocean-thumb-m":["https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406.webp",600,400,false],"ocean-thumb-ml":["https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406.webp",600,400,false],"ocean-thumb-l":["https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406.webp",600,400,false],"_nx_notification_thumb_100_100":["https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406-100x100.webp",100,100,true],"_nx_notification_thumb_200_200":["https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406-200x200.webp",200,200,true],"_nx_notification_thumb_300_300":["https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406-300x300.webp",300,300,true],"_nx_notification_thumb_400_400":["https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406-400x400.webp",400,400,true],"_nx_notification_thumb_500_500":["https:\/\/astra-patrimoine.fr\/wp-content\/uploads\/2025\/06\/pexels-photo-20407406-500x400.webp",500,400,true]},"rttpg_author":{"display_name":"admin9341","author_link":"https:\/\/astra-patrimoine.fr\/index.php\/author\/admin9341\/"},"rttpg_comment":0,"rttpg_category":null,"rttpg_excerpt":"Plan Epargne Retraite Optimisez votre \u00c9pargne avec le Plan d\u2019\u00c9pargne Retraite PER : Fonctionnement, Avantages et Risques Plan \u00c9pargne Retraite (PER) : un outil cl\u00e9 pour optimiser sa retraite et sa fiscalit\u00e9 Qu\u2019est-ce que le PER et \u00e0 quoi sert-il ? Le Plan \u00c9pargne Retraite (PER) est un produit d\u2019\u00e9pargne \u00e0 long terme destin\u00e9 \u00e0\u2026","_links":{"self":[{"href":"https:\/\/astra-patrimoine.fr\/index.php\/wp-json\/wp\/v2\/pages\/1963","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/astra-patrimoine.fr\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/astra-patrimoine.fr\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/astra-patrimoine.fr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/astra-patrimoine.fr\/index.php\/wp-json\/wp\/v2\/comments?post=1963"}],"version-history":[{"count":37,"href":"https:\/\/astra-patrimoine.fr\/index.php\/wp-json\/wp\/v2\/pages\/1963\/revisions"}],"predecessor-version":[{"id":6182,"href":"https:\/\/astra-patrimoine.fr\/index.php\/wp-json\/wp\/v2\/pages\/1963\/revisions\/6182"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/astra-patrimoine.fr\/index.php\/wp-json\/wp\/v2\/media\/5041"}],"wp:attachment":[{"href":"https:\/\/astra-patrimoine.fr\/index.php\/wp-json\/wp\/v2\/media?parent=1963"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}