{"id":11370,"date":"2026-01-15T13:50:21","date_gmt":"2026-01-15T12:50:21","guid":{"rendered":"https:\/\/new.clartan.com\/fr\/?p=11370"},"modified":"2026-01-15T13:50:21","modified_gmt":"2026-01-15T12:50:21","slug":"ma-retraite-le-perin-une-solution","status":"publish","type":"post","link":"https:\/\/clartan.com\/fr\/cas-pratiques\/ma-retraite-le-perin-une-solution\/","title":{"rendered":"J\u2019organise ma retraite\u00a0: le PERin est-il une solution\u202f?"},"content":{"rendered":"\n<p>Le PERin (Plan d\u2019Epargne Retraite Individuel) est&nbsp;un produit d\u2019\u00e9pargne \u00e0 long terme. Il permet, gr\u00e2ce \u00e0 des avantages fiscaux, d\u2019\u00e9pargner pendant sa vie active pour obtenir, \u00e0 l\u2019\u00e2ge de la retraite, un capital ou une rente en compl\u00e9ment de revenu. Le plan peut \u00eatre investi sur des supports en unit\u00e9s de compte comme dans un contrat d&rsquo;assurance-vie. Cette enveloppe permet d\u2019optimiser sa fiscalit\u00e9. Les avantages de d\u00e9ductibilit\u00e9s de l\u2019imp\u00f4t sur le revenu d\u00e9pendent du statut du titulaire (salari\u00e9 ou non salari\u00e9). Si le client est fortement impos\u00e9, le PERin est une solution int\u00e9ressante.&nbsp;<\/p>\n\n\n\n<p>Il ne faut pas n\u00e9gliger l\u2019ouverture&nbsp;d\u2019un contrat d\u2019assurance-vie pour prendre date (fiscalit\u00e9 int\u00e9ressante au bout de 8 ans). L\u2019assurance-vie peut \u00e9galement permettre de constituer un compl\u00e9ment de revenu et d\u2019assurer la transmission de son patrimoine financier \u00e0 ses proches \u00e0 des conditions fiscales avantageuses.<\/p>\n\n\n\n<p class=\"has-white-background-color has-background\">Vous souhaitez en savoir plus, n\u2019h\u00e9sitez pas \u00e0 nous contacter :&nbsp;<a href=\"mailto:gestionprivee@clartan.com\" target=\"_blank\" rel=\"noreferrer noopener\">gestionprivee@clartan.com<\/a><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le PERin (Plan d\u2019Epargne Retraite Individuel) est un produit d\u2019\u00e9pargne \u00e0 long terme.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[37],"tags":[],"class_list":["post-11370","post","type-post","status-publish","format-standard","hentry","category-cas-pratiques"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.2 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>J\u2019organise ma retraite\u00a0: le PERin est-il une solution\u202f? - Clartan Associ\u00e9s<\/title>\n<meta name=\"description\" content=\"Le PERin (Plan d\u2019Epargne Retraite Individuel) est un produit d\u2019\u00e9pargne \u00e0 long terme.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/clartan.com\/fr\/cas-pratiques\/ma-retraite-le-perin-une-solution\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"J\u2019organise ma retraite\u00a0: le PERin est-il une solution\u202f?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/clartan.com\/fr\/cas-pratiques\/ma-retraite-le-perin-une-solution\/\" \/>\n<meta property=\"og:site_name\" content=\"Clartan Associ\u00e9s FR\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-15T12:50:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/clartan.com\/fr\/wp-content\/uploads\/2026\/02\/clartan-associes.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"aaccary\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/clartan.com\\\/fr\\\/cas-pratiques\\\/ma-retraite-le-perin-une-solution\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/clartan.com\\\/fr\\\/cas-pratiques\\\/ma-retraite-le-perin-une-solution\\\/\"},\"author\":{\"name\":\"aaccary\",\"@id\":\"https:\\\/\\\/clartan.com\\\/fr\\\/#\\\/schema\\\/person\\\/de05ecfc1c8da5c743e0c0fede617758\"},\"headline\":\"J\u2019organise ma retraite\u00a0: le PERin est-il une solution\u202f?\",\"datePublished\":\"2026-01-15T12:50:21+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/clartan.com\\\/fr\\\/cas-pratiques\\\/ma-retraite-le-perin-une-solution\\\/\"},\"wordCount\":183,\"publisher\":{\"@id\":\"https:\\\/\\\/clartan.com\\\/fr\\\/#organization\"},\"articleSection\":[\"Cas pratiques\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/clartan.com\\\/fr\\\/cas-pratiques\\\/ma-retraite-le-perin-une-solution\\\/\",\"url\":\"https:\\\/\\\/clartan.com\\\/fr\\\/cas-pratiques\\\/ma-retraite-le-perin-une-solution\\\/\",\"name\":\"J\u2019organise ma retraite\u00a0: le PERin est-il une solution\u202f? - Clartan Associ\u00e9s\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/clartan.com\\\/fr\\\/#website\"},\"datePublished\":\"2026-01-15T12:50:21+00:00\",\"description\":\"Le PERin (Plan d\u2019Epargne Retraite Individuel) est un produit d\u2019\u00e9pargne \u00e0 long terme.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/clartan.com\\\/fr\\\/cas-pratiques\\\/ma-retraite-le-perin-une-solution\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/clartan.com\\\/fr\\\/cas-pratiques\\\/ma-retraite-le-perin-une-solution\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/clartan.com\\\/fr\\\/cas-pratiques\\\/ma-retraite-le-perin-une-solution\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/clartan.com\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"J\u2019organise ma retraite\u00a0: le PERin est-il une solution\u202f?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/clartan.com\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/clartan.com\\\/fr\\\/\",\"name\":\"Clartan Associ\u00e9s FR\",\"description\":\"Maison de Gestion ind\u00e9pendante\",\"publisher\":{\"@id\":\"https:\\\/\\\/clartan.com\\\/fr\\\/#organization\"},\"alternateName\":\"Clartan\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/clartan.com\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/clartan.com\\\/fr\\\/#organization\",\"name\":\"Clartan Associ\u00e9s\",\"alternateName\":\"Clartan\",\"url\":\"https:\\\/\\\/clartan.com\\\/fr\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/clartan.com\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/clartan.com\\\/fr\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/Favicon-2.png\",\"contentUrl\":\"https:\\\/\\\/clartan.com\\\/fr\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/Favicon-2.png\",\"width\":1024,\"height\":1024,\"caption\":\"Clartan Associ\u00e9s\"},\"image\":{\"@id\":\"https:\\\/\\\/clartan.com\\\/fr\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/company\\\/clartan-associes\\\/\",\"https:\\\/\\\/www.youtube.com\\\/@clartanassocies3040\"],\"description\":\"Maison de gestion ind\u00e9pendante depuis 1986,\\u2028Clartan Associ\u00e9s met en \u0153uvre une gestion solide et \u00e9prouv\u00e9e, fond\u00e9e sur la coll\u00e9gialit\u00e9.\",\"email\":\"contact@clartan.com\",\"telephone\":\"+33 1 53 77 60 80\",\"legalName\":\"Clartan Associ\u00e9s\",\"foundingDate\":\"1986-12-01\",\"vatID\":\"FR18339485161\",\"taxID\":\"33948516100097\",\"leiCode\":\"969500AFMNSMC5R97K50\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/clartan.com\\\/fr\\\/#\\\/schema\\\/person\\\/de05ecfc1c8da5c743e0c0fede617758\",\"name\":\"aaccary\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4804a0bc6c3515aa5a54cb0a2b8af120fa6dec8d1fbdea96bb96042b09541d21?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4804a0bc6c3515aa5a54cb0a2b8af120fa6dec8d1fbdea96bb96042b09541d21?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4804a0bc6c3515aa5a54cb0a2b8af120fa6dec8d1fbdea96bb96042b09541d21?s=96&d=mm&r=g\",\"caption\":\"aaccary\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"J\u2019organise ma retraite\u00a0: le PERin est-il une solution\u202f? - Clartan Associ\u00e9s","description":"Le PERin (Plan d\u2019Epargne Retraite Individuel) est un produit d\u2019\u00e9pargne \u00e0 long terme.","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:\/\/clartan.com\/fr\/cas-pratiques\/ma-retraite-le-perin-une-solution\/","og_locale":"fr_FR","og_type":"article","og_title":"J\u2019organise ma retraite\u00a0: le PERin est-il une solution\u202f?","og_url":"https:\/\/clartan.com\/fr\/cas-pratiques\/ma-retraite-le-perin-une-solution\/","og_site_name":"Clartan Associ\u00e9s FR","article_published_time":"2026-01-15T12:50:21+00:00","og_image":[{"width":1200,"height":675,"url":"https:\/\/clartan.com\/fr\/wp-content\/uploads\/2026\/02\/clartan-associes.jpg","type":"image\/jpeg"}],"author":"aaccary","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/clartan.com\/fr\/cas-pratiques\/ma-retraite-le-perin-une-solution\/#article","isPartOf":{"@id":"https:\/\/clartan.com\/fr\/cas-pratiques\/ma-retraite-le-perin-une-solution\/"},"author":{"name":"aaccary","@id":"https:\/\/clartan.com\/fr\/#\/schema\/person\/de05ecfc1c8da5c743e0c0fede617758"},"headline":"J\u2019organise ma retraite\u00a0: le PERin est-il une solution\u202f?","datePublished":"2026-01-15T12:50:21+00:00","mainEntityOfPage":{"@id":"https:\/\/clartan.com\/fr\/cas-pratiques\/ma-retraite-le-perin-une-solution\/"},"wordCount":183,"publisher":{"@id":"https:\/\/clartan.com\/fr\/#organization"},"articleSection":["Cas pratiques"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/clartan.com\/fr\/cas-pratiques\/ma-retraite-le-perin-une-solution\/","url":"https:\/\/clartan.com\/fr\/cas-pratiques\/ma-retraite-le-perin-une-solution\/","name":"J\u2019organise ma retraite\u00a0: le PERin est-il une solution\u202f? - Clartan Associ\u00e9s","isPartOf":{"@id":"https:\/\/clartan.com\/fr\/#website"},"datePublished":"2026-01-15T12:50:21+00:00","description":"Le PERin (Plan d\u2019Epargne Retraite Individuel) est un produit d\u2019\u00e9pargne \u00e0 long terme.","breadcrumb":{"@id":"https:\/\/clartan.com\/fr\/cas-pratiques\/ma-retraite-le-perin-une-solution\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/clartan.com\/fr\/cas-pratiques\/ma-retraite-le-perin-une-solution\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/clartan.com\/fr\/cas-pratiques\/ma-retraite-le-perin-une-solution\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/clartan.com\/fr\/"},{"@type":"ListItem","position":2,"name":"J\u2019organise ma retraite\u00a0: le PERin est-il une solution\u202f?"}]},{"@type":"WebSite","@id":"https:\/\/clartan.com\/fr\/#website","url":"https:\/\/clartan.com\/fr\/","name":"Clartan Associ\u00e9s FR","description":"Maison de Gestion ind\u00e9pendante","publisher":{"@id":"https:\/\/clartan.com\/fr\/#organization"},"alternateName":"Clartan","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/clartan.com\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/clartan.com\/fr\/#organization","name":"Clartan Associ\u00e9s","alternateName":"Clartan","url":"https:\/\/clartan.com\/fr\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/clartan.com\/fr\/#\/schema\/logo\/image\/","url":"https:\/\/clartan.com\/fr\/wp-content\/uploads\/2025\/12\/Favicon-2.png","contentUrl":"https:\/\/clartan.com\/fr\/wp-content\/uploads\/2025\/12\/Favicon-2.png","width":1024,"height":1024,"caption":"Clartan Associ\u00e9s"},"image":{"@id":"https:\/\/clartan.com\/fr\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.linkedin.com\/company\/clartan-associes\/","https:\/\/www.youtube.com\/@clartanassocies3040"],"description":"Maison de gestion ind\u00e9pendante depuis 1986,\u2028Clartan Associ\u00e9s met en \u0153uvre une gestion solide et \u00e9prouv\u00e9e, fond\u00e9e sur la coll\u00e9gialit\u00e9.","email":"contact@clartan.com","telephone":"+33 1 53 77 60 80","legalName":"Clartan Associ\u00e9s","foundingDate":"1986-12-01","vatID":"FR18339485161","taxID":"33948516100097","leiCode":"969500AFMNSMC5R97K50"},{"@type":"Person","@id":"https:\/\/clartan.com\/fr\/#\/schema\/person\/de05ecfc1c8da5c743e0c0fede617758","name":"aaccary","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/4804a0bc6c3515aa5a54cb0a2b8af120fa6dec8d1fbdea96bb96042b09541d21?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4804a0bc6c3515aa5a54cb0a2b8af120fa6dec8d1fbdea96bb96042b09541d21?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/4804a0bc6c3515aa5a54cb0a2b8af120fa6dec8d1fbdea96bb96042b09541d21?s=96&d=mm&r=g","caption":"aaccary"}}]}},"_links":{"self":[{"href":"https:\/\/clartan.com\/fr\/wp-json\/wp\/v2\/posts\/11370","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/clartan.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/clartan.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/clartan.com\/fr\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/clartan.com\/fr\/wp-json\/wp\/v2\/comments?post=11370"}],"version-history":[{"count":1,"href":"https:\/\/clartan.com\/fr\/wp-json\/wp\/v2\/posts\/11370\/revisions"}],"predecessor-version":[{"id":11371,"href":"https:\/\/clartan.com\/fr\/wp-json\/wp\/v2\/posts\/11370\/revisions\/11371"}],"wp:attachment":[{"href":"https:\/\/clartan.com\/fr\/wp-json\/wp\/v2\/media?parent=11370"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/clartan.com\/fr\/wp-json\/wp\/v2\/categories?post=11370"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/clartan.com\/fr\/wp-json\/wp\/v2\/tags?post=11370"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}