PER: A complete guide to the Retirement Savings Plan (investing to reduce your taxes 🏦)
A complete guide to understanding and investing in a PER (Retirement Savings Plan). This video discusses how retirement works, how the PER operates, its tax implications, and demonstrates how to subscribe live.
👇 All the details and links 👇
🎁 3 months of free fees at Caravel with the code "AXELPARIS" and by using the link 👉 https://go.axelparis.fr/caravel
Try the Caravel simulator for free: https://go.axelparis.fr/caravel-simul...
● Introduction
00:00:00 Foreword
00:01:20 Table of Contents
● Module 1: How Retirement Works
00:02:01 6 points to understand retirement
00:05:07 The composition of retirement
00:07:02 Simulating your retirement
Official simulation at https://info-retraite.fr
00:10:02 Example: my personal retirement?
● Module 2: The PER Principle
00:10:52 In short, what is the PER?
00:11:48 The 3 Types of PER (Retirement Savings Plan)
00:12:08 The 2 Types of PER Contracts (Bank vs. Insurance)
00:14:50 The Life Stages of a PER
● Module 3: PER Taxation
00:16:13 What is Gross Total Income? Net Taxable Income?...
00:18:54 How is Income Tax Calculated?
00:22:01 Example #1 - €2,000 Invested and €220 Saved
00:25:37 Example #2 - €2,000 Invested and €220 Saved
00:26:46 The PER Deduction Limit
00:29:14 Conditions for Early Withdrawal (Before Retirement)
● Module 4: Available Products
00:29:51 Conditions for Opening a PER?
00:30:18 When should I open a PER? Is it worth it?
00:32:45 Opening your PER
→ Open your PER with Caravel (with 3 months of free fees using the code "AXELPARIS") 👉 https://go.axelparis.fr/caravel
00:37:12 Direct subscription
● Module 5: Frequently Asked Questions
00:41:54 How liquid is a PER?
00:42:29 How do I declare my PER for tax purposes?
00:43:46 For a couple, is it better to have one or two PERs?
00:44:56 What can you invest in?
00:44:27 Should I open a PER when I'm retired?
00:46:04 What is the best withdrawal strategy?
00:47:30 PER vs PEA?
● Conclusion
00:49:46 Conclusion
The book "The Financial Guide for Young Professionals" 👉 https://go.axelparis.fr/livre
🙏 Acknowledgments
A huge thank you to @getcaravel for this partnership and their support for this video.
Thank you also to @AdrienFisca for highlighting the tax allowance on contributions to the insurance-based PER for retirees.
➡️ To learn more
I recommend the excellent channel of @LaMicrobyFlo.
📦 Sources
https://www.la-retraite-en-clair.fr/p...
https://www.service-public.fr/particu...
https://travail-emploi.gouv.fr/retrai...
https://www.linxea.com/tout-savoir-su... ampaign=search-dsa-faq-actualite&gclid=CjwKCAjwvpCkBhB4EiwAujULMisRSyAtiGVK84g4sOLb6ls3YlXcrhhtSDdlt_GH87OMur1Y7ikbsBoCsHYQAvD_BwE
https://www.economie.gouv.fr/particul...
https://www.service-public.fr/particu...
https://www.service-public.fr/particu...
https://help.getcaravel.fr/fr/article...
All My links: https://go.axelparis.fr/liens
Business inquiries: [email protected]
#PER #Retirement #Caravel