{"id":2946,"date":"2021-12-01T16:25:02","date_gmt":"2021-12-01T15:25:02","guid":{"rendered":"https:\/\/cspm-assurances.com\/?page_id=2946"},"modified":"2021-12-01T21:18:25","modified_gmt":"2021-12-01T20:18:25","slug":"cspm-per-plan-depargne-retraite","status":"publish","type":"page","link":"http:\/\/cspm-assurances.com\/index.php\/cspm-per-plan-depargne-retraite\/","title":{"rendered":"Fiche produit PER &#8211; Plan d&rsquo;\u00e9pargne retraite"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00a0\u00bb1&Prime; next_background_color=\u00a0\u00bb#ffffff\u00a0\u00bb admin_label=\u00a0\u00bbHero\u00a0\u00bb _builder_version=\u00a0\u00bb3.22&Prime; background_color=\u00a0\u00bb#f7f8fc\u00a0\u00bb custom_padding=\u00a0\u00bb|||\u00a0\u00bb bottom_divider_style=\u00a0\u00bbasymmetric\u00a0\u00bb bottom_divider_height=\u00a0\u00bb40%\u00a0\u00bb bottom_divider_height_tablet=\u00a0\u00bb\u00a0\u00bb bottom_divider_height_phone=\u00a0\u00bb\u00a0\u00bb bottom_divider_height_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row column_structure=\u00a0\u00bb1_2,1_2&Prime; _builder_version=\u00a0\u00bb4.6.5&Prime; custom_margin_tablet=\u00a0\u00bb\u00a0\u00bb custom_margin_phone=\u00a0\u00bb-35px||||false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_2&Prime; _builder_version=\u00a0\u00bb3.25&Prime; custom_padding=\u00a0\u00bb|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/cspm-assurances.com\/wp-content\/uploads\/2021\/12\/CSPM-VIE-PER.png\u00a0\u00bb alt=\u00a0\u00bbCSPM VIE &#8211; PER\u00a0\u00bb title_text=\u00a0\u00bbCSPM VIE &#8211; PER\u00a0\u00bb align_tablet=\u00a0\u00bbcenter\u00a0\u00bb align_phone=\u00a0\u00bb\u00a0\u00bb align_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb _builder_version=\u00a0\u00bb4.14.2&Prime; width=\u00a0\u00bb107%\u00a0\u00bb max_width=\u00a0\u00bb118%\u00a0\u00bb min_height=\u00a0\u00bb111px\u00a0\u00bb height=\u00a0\u00bb270px\u00a0\u00bb height_tablet=\u00a0\u00bb198px\u00a0\u00bb height_phone=\u00a0\u00bb116px\u00a0\u00bb height_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb max_height=\u00a0\u00bb1000px\u00a0\u00bb custom_margin=\u00a0\u00bb|||23px|false|false\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb|||0px|false|false\u00a0\u00bb custom_margin_phone=\u00a0\u00bb|||0px|false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb animation_style=\u00a0\u00bbzoom\u00a0\u00bb animation_direction=\u00a0\u00bbbottom\u00a0\u00bb animation_intensity_zoom=\u00a0\u00bb4%\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_2&Prime; _builder_version=\u00a0\u00bb3.25&Prime; custom_padding=\u00a0\u00bb|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_text content_tablet=\u00a0\u00bb<\/p>\n<h1 style=%22text-align: center;%22><strong>Assurance automobile<\/strong><\/h1>\n<p style=%22text-align: center;%22>en un clin d\u2019\u0153il avec notre produit Auto confort +<\/p>\n<p>\u00a0\u00bb content_phone=\u00a0\u00bb<\/p>\n<h1 style=%22text-align: center;%22><strong>Plan d&rsquo;\u00e9pargne retraite<\/strong><\/h1>\n<p style=%22text-align: center;%22>Vous souhaitez anticiper votre retraite tout en optimisant vos imp\u00f4ts, d\u00e9couvrez notre nouveau produit PER<\/p>\n<p>\u00a0\u00bb content_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb _builder_version=\u00a0\u00bb4.14.2&Prime; text_font=\u00a0\u00bbMontserrat||||||||\u00a0\u00bb text_font_size=\u00a0\u00bb16px\u00a0\u00bb text_line_height=\u00a0\u00bb2em\u00a0\u00bb header_font=\u00a0\u00bbMontserrat||||||||\u00a0\u00bb header_font_size=\u00a0\u00bb40px\u00a0\u00bb header_line_height=\u00a0\u00bb1.4em\u00a0\u00bb header_2_font=\u00a0\u00bbMontserrat||||||||\u00a0\u00bb header_3_font=\u00a0\u00bbMontserrat||||||||\u00a0\u00bb header_4_font=\u00a0\u00bbMontserrat||||||||\u00a0\u00bb header_5_font=\u00a0\u00bbMontserrat||||||||\u00a0\u00bb header_6_font=\u00a0\u00bbMontserrat||||||||\u00a0\u00bb max_width=\u00a0\u00bb600px\u00a0\u00bb custom_margin=\u00a0\u00bb||30px|\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bboff|desktop\u00a0\u00bb text_font_size_tablet=\u00a0\u00bb\u00a0\u00bb text_font_size_phone=\u00a0\u00bb14px\u00a0\u00bb text_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb header_font_size_tablet=\u00a0\u00bb30px\u00a0\u00bb header_font_size_phone=\u00a0\u00bb24px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h1><strong>Plan d&rsquo;\u00e9pargne retraite<\/strong><\/h1>\n<p>Vous souhaitez anticiper votre retraite tout en optimisant vos imp\u00f4ts, d\u00e9couvrez notre nouveau produit PER<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=\u00a0\u00bb@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjIzNTQifX0=@\u00a0\u00bb button_text=\u00a0\u00bbPrendre rendez-vous \u00a0\u00bb button_alignment_tablet=\u00a0\u00bbcenter\u00a0\u00bb button_alignment_phone=\u00a0\u00bbcenter\u00a0\u00bb button_alignment_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb _builder_version=\u00a0\u00bb4.14.2&Prime; 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_builder_version=\u00a0\u00bb4.6.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.6.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.6.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font_size=\u00a0\u00bb17px\u00a0\u00bb header_2_font_size=\u00a0\u00bb25px\u00a0\u00bb text_font_size_tablet=\u00a0\u00bb\u00a0\u00bb text_font_size_phone=\u00a0\u00bb14px\u00a0\u00bb text_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb header_font_size_tablet=\u00a0\u00bb\u00a0\u00bb header_font_size_phone=\u00a0\u00bb30px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb header_2_font_size_tablet=\u00a0\u00bb25px\u00a0\u00bb header_2_font_size_phone=\u00a0\u00bb23px\u00a0\u00bb header_2_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2><strong>Pr\u00e9parez\u00a0votre\u00a0retraite\u00a0d\u00e8s\u00a0maintenant\u00a0avec\u00a0notre contrat PER<\/strong><\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb-34px||||false|false\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb-34px||||false|false\u00a0\u00bb custom_margin_phone=\u00a0\u00bb-34px||||false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb custom_padding=\u00a0\u00bb24px||||false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb24px||||false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb24px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.6.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb hover_enabled=\u00a0\u00bb0&Prime; global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0&Prime;]<\/p>\n<p>La retraite fait partie des premi\u00e8res pr\u00e9occupations des Fran\u00e7ais aujourd\u2019hui.<\/p>\n<p><span>Face \u00e0 la d\u00e9gradation des niveaux de pensions issues des r\u00e9gimes obligatoires, particuli\u00e8rement marqu\u00e9e sur les hauts revenus, \u00e9pargner en vue de la retraite est devenu indispensable pour tous.<\/span><\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font_size=\u00a0\u00bb17px\u00a0\u00bb header_2_font_size=\u00a0\u00bb23px\u00a0\u00bb custom_margin=\u00a0\u00bb||||false|false\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb||||false|false\u00a0\u00bb custom_margin_phone=\u00a0\u00bb||||false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb custom_padding=\u00a0\u00bb16px||||false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb16px||||false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb16px||||false|false\u00a0\u00bb custom_padding_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb text_font_size_tablet=\u00a0\u00bb\u00a0\u00bb text_font_size_phone=\u00a0\u00bb14px\u00a0\u00bb text_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb header_font_size_tablet=\u00a0\u00bb\u00a0\u00bb header_font_size_phone=\u00a0\u00bb30px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2><strong>Les plus de notre produit PER\u00a0individuel<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p><span>\u2714\ufe0f<\/span>\u00a0La possibilit\u00e9 pour l&rsquo;assur\u00e9 de se constituer progressivement un compl\u00e9ment de revenus tout en r\u00e9alisant des \u00e9conomies d&rsquo;imp\u00f4ts<\/p>\n<p><span>\u2714\ufe0f<\/span>\u00a0Une libert\u00e9 dans l&rsquo;alimentation de son contrat<\/p>\n<p><span>\u2714\ufe0f<\/span>\u00a0Un compl\u00e9ment de retraite en rente ou en capital<\/p>\n<p><span>\u2714\ufe0f<\/span>\u00a0Des retraits anticip\u00e9s possibles<\/p>\n<p><span>\u2714\ufe0f<\/span>\u00a0Un large choix de supports financiers pour une diversification de l&rsquo;\u00e9pargne<\/p>\n<p><span>\u2714\ufe0f<\/span>\u00a0Des pilotages retraite adapt\u00e9s au profil de l&rsquo;adh\u00e9rent<\/p>\n<p><span>\u2714\ufe0f<\/span>\u00a0Des options d&rsquo;arbitrage automatique pour s\u00e9curiser ou dynamiser l&rsquo;\u00e9pargne de vos clients<\/p>\n<p><span>\u2714\ufe0f<\/span>\u00a0Une garantie suppl\u00e9mentaire \u00ab\u00a0Plancher D\u00e9c\u00e8s\u00a0\u00bb pour pr\u00e9server les proches de l&rsquo;assur\u00e9 en cas de d\u00e9c\u00e8s<\/p>\n<p><span>\u2714\ufe0f U<\/span>ne garantie exon\u00e9ration des cotisations en option pour les travailleurs non-salari\u00e9s<\/p>\n<p><span>\u2714\ufe0f U<\/span>ne table de mortalit\u00e9 garantie : pas de mauvaise surprise ! Swiss Life garantie la table de mortalit\u00e9 \u00e0 l&rsquo;adh\u00e9sion pour les versements volontaires d\u00e9ductibles (fiscalit\u00e9 163 quater vicie &amp; 154 bis du CGI), et \u00e0 la date de l&rsquo;op\u00e9ration pour les transferts et versements non d\u00e9ductibles.<\/p>\n<p><span>\u2714\ufe0f<\/span>\u00a0La structure professionnelle pourra \u00eatre le payeur de primes pour tous les status, dans le cadre des articles 62 et 82 du CGI pour l&rsquo;entreprise.<\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font_size=\u00a0\u00bb17px\u00a0\u00bb header_2_font_size=\u00a0\u00bb23px\u00a0\u00bb text_font_size_tablet=\u00a0\u00bb\u00a0\u00bb text_font_size_phone=\u00a0\u00bb14px\u00a0\u00bb text_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb header_font_size_tablet=\u00a0\u00bb\u00a0\u00bb header_font_size_phone=\u00a0\u00bb30px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2><strong>Deux\u00a0modalit\u00e9s de gestion financi\u00e8re<\/strong><\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<div>\n<div>\n<p>Le pilotage retraite 100% loi Pacte<\/p>\n<p>Il existe 3 Pilotages Retraite con\u00e7us en fonction du profil investisseur de l&rsquo;adh\u00e9rent :<\/p>\n<p>\u27a2 le profil \u00ab\u00a0pilotage prudent\u00a0\u00bb<\/p>\n<p>\u27a2 le profil \u00ab\u00a0pilotage \u00e9quilibr\u00e9\u00a0\u00bb<\/p>\n<p>\u27a2 le profil \u00ab\u00a0pilotage dynamique\u00a0\u00bb<\/p>\n<p>&nbsp;<\/p>\n<\/div>\n<div>\n<p>La r\u00e9partition entre les supports financiers est d\u00e9finie dans une grille de d\u00e9sensibilisation qui prend en compte le profil de risque du client et le nombre d&rsquo;ann\u00e9es de placement avant son d\u00e9part en retraite.<\/p>\n<p>A l&rsquo;adh\u00e9sion, le profil \u00ab\u00a0Pilotage Equilibr\u00e9\u00a0\u00bb est automatiquement mis en place. L&rsquo;adh\u00e9rent peut y renoncer et alors opter pour l&rsquo;un des deux autres profils d&rsquo;investissement du pilotage retraite ou choisir les supports d&rsquo;investissement via l&rsquo;allocation libre.<\/p>\n<\/div>\n<\/div>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font_size=\u00a0\u00bb17px\u00a0\u00bb header_2_font_size=\u00a0\u00bb23px\u00a0\u00bb custom_margin=\u00a0\u00bb0px||||false|false\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb0px||||false|false\u00a0\u00bb custom_margin_phone=\u00a0\u00bb0px||||false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb custom_padding=\u00a0\u00bb22px||||false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb22px||||false|false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb22px||||false|false\u00a0\u00bb custom_padding_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb text_font_size_tablet=\u00a0\u00bb\u00a0\u00bb text_font_size_phone=\u00a0\u00bb14px\u00a0\u00bb text_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb header_font_size_tablet=\u00a0\u00bb\u00a0\u00bb header_font_size_phone=\u00a0\u00bb30px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2><strong>Sous la modalit\u00e9 \u00ab\u00a0Allocation libre\u00a0\u00bb<\/strong><\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb-25px||||false|false\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb-25px||||false|false\u00a0\u00bb custom_margin_phone=\u00a0\u00bb-30px||||false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Choix des supports d&rsquo;investissement parmi :<\/p>\n<p>\u27a2 le Fonds en Euros<\/p>\n<p>\u27a2 les pr\u00e8s de 600 Unit\u00e9s de Compte (mod.13160) et les Unit\u00e9s de compte structur\u00e9es (pour les versements libres)<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.6.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.6.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font_size=\u00a0\u00bb17px\u00a0\u00bb header_2_font_size=\u00a0\u00bb23px\u00a0\u00bb text_font_size_tablet=\u00a0\u00bb\u00a0\u00bb text_font_size_phone=\u00a0\u00bb14px\u00a0\u00bb text_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb header_font_size_tablet=\u00a0\u00bb\u00a0\u00bb header_font_size_phone=\u00a0\u00bb30px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2><strong>Des options d&rsquo;arbitrage automatique\u00a0<\/strong><\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb-30px||||false|false\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb-30px||||false|false\u00a0\u00bb custom_margin_phone=\u00a0\u00bb-30px||||false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>\u27a2 Disponibles sous la modalit\u00e9 \u00ab\u00a0Arbitrages libres\u00a0\u00bb, ces options d&rsquo;arbitrage automatique permettent de dynamiser et de s\u00e9curiser l&rsquo;\u00e9pargne des clients.<\/p>\n<p>\u27a2 Arbitrage automatique des plus-values (seuil minimum +10%, transfert minimum 600\u20ac)<\/p>\n<p>\u27a2 Arbitrage automatique en cas de moins-values (transfert minimum 600\u20ac) : moins-values absolue (seuil minimum 10%) et moins-value relative (seuil minimum 10%)<\/p>\n<p>\u27a2 Investissement progressif (transfert minimum 300\u20ac) : choisir le montant de la fraction mensuelle \u00e0 transf\u00e9rer depuis le Fonds en Euros et le nombre de fractions mensuelles (pour les versements libres)<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.6.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.6.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font_size=\u00a0\u00bb17px\u00a0\u00bb header_2_font_size=\u00a0\u00bb23px\u00a0\u00bb text_font_size_tablet=\u00a0\u00bb\u00a0\u00bb text_font_size_phone=\u00a0\u00bb14px\u00a0\u00bb text_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb header_font_size_tablet=\u00a0\u00bb\u00a0\u00bb header_font_size_phone=\u00a0\u00bb30px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2><strong>Un large choix\u00a0d&rsquo;options de rente<\/strong><\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb-22px||||false|false\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb-22px||||false|false\u00a0\u00bb custom_margin_phone=\u00a0\u00bb-22px||||false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.14.2&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>4 choix de rente de r\u00e9f\u00e9rence :<\/p>\n<p>\u27a2 Rente \u00e0 vie simple<\/p>\n<p>\u27a2 Rente \u00e0 vie non r\u00e9versible, avec annuit\u00e9s garanties (maximum esp\u00e9rance de vie \u00e0 la date de liquidation des droits &#8211; 5 ans)<\/p>\n<p>\u27a2 Rente \u00e0 vie r\u00e9versible (30% \u00e0 100%)<\/p>\n<p>\u27a2 Rente \u00e0 vie r\u00e9versible avec annuit\u00e9s garanties<\/p>\n<p><strong>2 options compl\u00e9mentaires sur les rentes de r\u00e9f\u00e9rence :\u00a0<\/strong><\/p>\n<p>\u27a2 Indexation de la rente de r\u00e9f\u00e9rence (+2% par an)<\/p>\n<p>\u27a2 Rente \u00e0 palier croissant ou d\u00e9croissant (jusqu&rsquo;\u00e0 +\/- 50% apr\u00e8s 3 \u00e0 10 ans de versement de la rente)<\/p>\n<p>Certaines options de rente sont compatibles entre elles (reportez-vous \u00e0 la Notice d&rsquo;Information)<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Des garanties compl\u00e9mentaires<\/strong><\/p>\n<p>\u27a2 Garantie Plancher D\u00e9c\u00e8s : incluse automatiquement dans le contrat (si l&rsquo;adh\u00e9rent n&rsquo;est pas \u00e2g\u00e9 de moins de 18 ans ou de plus de 75 ans \u00e0 l&rsquo;adh\u00e9sion). Elle assure aux b\u00e9n\u00e9ficiaires, en cas de d\u00e9c\u00e8s de l&rsquo;assur\u00e9, le versement d&rsquo;un capital dans le but de compenser une \u00e9ventuelle moins-value jusqu&rsquo;\u00e0 75 000 \u20ac.<\/p>\n<p>\u27a2 Garantie optionnelle \u00ab\u00a0exon\u00e9ration en cas d&rsquo;arr\u00eat de travail\u00a0\u00bb pour les TNS sur les versements programm\u00e9s d\u00e9ductibles 154 bis ou 154 bis 0-A du CGI sous r\u00e9serve d&rsquo;acceptation du dossier.<\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.6.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb min_height=\u00a0\u00bb257px\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.6.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4&Prime; _builder_version=\u00a0\u00bb4.6.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.6.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font_size=\u00a0\u00bb17px\u00a0\u00bb header_2_font_size=\u00a0\u00bb25px\u00a0\u00bb text_font_size_tablet=\u00a0\u00bb\u00a0\u00bb text_font_size_phone=\u00a0\u00bb14px\u00a0\u00bb text_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb header_font_size_tablet=\u00a0\u00bb\u00a0\u00bb header_font_size_phone=\u00a0\u00bb30px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<h2 style=\"text-align: center;\"><strong>Vous avez besoin d\u2019aide ?<\/strong><\/h2>\n<p><strong><\/strong><\/p>\n<p style=\"text-align: center;\">Nous sommes l\u00e0 pour vous aider !<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1&Prime; _builder_version=\u00a0\u00bb4.6.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_margin=\u00a0\u00bb-69px|||||\u00a0\u00bb custom_padding=\u00a0\u00bb34px|||||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row column_structure=\u00a0\u00bb1_3,1_3,1_3&Prime; _builder_version=\u00a0\u00bb4.6.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_3&Prime; _builder_version=\u00a0\u00bb4.6.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_blurb title=\u00a0\u00bbAppeler un conseiller\u00a0\u00bb use_icon=\u00a0\u00bbon\u00a0\u00bb font_icon=\u00a0\u00bb&#xe090;||divi||400&Prime; content_max_width=\u00a0\u00bb1100px\u00a0\u00bb _builder_version=\u00a0\u00bb4.13.0&Prime; header_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_font_size=\u00a0\u00bb19px\u00a0\u00bb header_line_height=\u00a0\u00bb1.6em\u00a0\u00bb body_font=\u00a0\u00bbMontserrat||||||||\u00a0\u00bb body_line_height=\u00a0\u00bb1.8em\u00a0\u00bb background_color=\u00a0\u00bb#ffffff\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb custom_padding=\u00a0\u00bb30px|30px|30px|30px|true|true\u00a0\u00bb animation_style=\u00a0\u00bbzoom\u00a0\u00bb animation_intensity_zoom=\u00a0\u00bb10%\u00a0\u00bb animation=\u00a0\u00bboff\u00a0\u00bb link_option_url=\u00a0\u00bbtel:+33142526000&Prime; border_radii=\u00a0\u00bbon|10px|10px|10px|10px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; box_shadow_vertical=\u00a0\u00bb10px\u00a0\u00bb box_shadow_blur=\u00a0\u00bb80px\u00a0\u00bb box_shadow_spread=\u00a0\u00bb-10px\u00a0\u00bb box_shadow_color=\u00a0\u00bbrgba(44,54,92,0.2)\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Nous sommes \u00e0 votre \u00e9coute du lundi au vendredi de 9h30 \u00e0 20h30<\/p>\n<p><a href=\"tel:+33142526000\"><strong>01 42 52 60 00<\/strong><\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_3&Prime; _builder_version=\u00a0\u00bb4.6.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_blurb title=\u00a0\u00bbChattez avec un expert\u00a0\u00bb use_icon=\u00a0\u00bbon\u00a0\u00bb font_icon=\u00a0\u00bb&#x77;||divi||400&Prime; content_max_width=\u00a0\u00bb1100px\u00a0\u00bb _builder_version=\u00a0\u00bb4.13.0&Prime; header_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_font_size=\u00a0\u00bb19px\u00a0\u00bb header_line_height=\u00a0\u00bb1.6em\u00a0\u00bb body_font=\u00a0\u00bbMontserrat||||||||\u00a0\u00bb body_line_height=\u00a0\u00bb1.8em\u00a0\u00bb background_color=\u00a0\u00bb#ffffff\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb custom_padding=\u00a0\u00bb30px|30px|30px|30px|true|true\u00a0\u00bb animation_style=\u00a0\u00bbzoom\u00a0\u00bb animation_intensity_zoom=\u00a0\u00bb10%\u00a0\u00bb animation=\u00a0\u00bboff\u00a0\u00bb link_option_url=\u00a0\u00bbhttps:\/\/wa.me\/message\/ITFTKLTE4XYRP1&Prime; border_radii=\u00a0\u00bbon|10px|10px|10px|10px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; box_shadow_vertical=\u00a0\u00bb10px\u00a0\u00bb box_shadow_blur=\u00a0\u00bb80px\u00a0\u00bb box_shadow_spread=\u00a0\u00bb-10px\u00a0\u00bb box_shadow_color=\u00a0\u00bbrgba(44,54,92,0.2)\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Nous r\u00e9pondons\u00a0\u00e0 vos questions 7\/7 de 8h00 \u00e0 22h30<\/p>\n<p><a href=\"https:\/\/wa.me\/message\/ITFTKLTE4XYRP1\" title=\"Discutez maintenant\"><strong>Discutez maintenant<\/strong><\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_3&Prime; _builder_version=\u00a0\u00bb4.6.5&Prime; _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_blurb title=\u00a0\u00bbPrendre un rendez-vous\u00a0\u00bb use_icon=\u00a0\u00bbon\u00a0\u00bb font_icon=\u00a0\u00bb&#xe023;||divi||400&Prime; content_max_width=\u00a0\u00bb1100px\u00a0\u00bb _builder_version=\u00a0\u00bb4.13.0&Prime; header_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_font_size=\u00a0\u00bb19px\u00a0\u00bb header_line_height=\u00a0\u00bb1.6em\u00a0\u00bb body_font=\u00a0\u00bbMontserrat||||||||\u00a0\u00bb body_line_height=\u00a0\u00bb1.8em\u00a0\u00bb background_color=\u00a0\u00bb#ffffff\u00a0\u00bb text_orientation=\u00a0\u00bbcenter\u00a0\u00bb custom_padding=\u00a0\u00bb30px|30px|30px|30px|true|true\u00a0\u00bb animation_style=\u00a0\u00bbzoom\u00a0\u00bb animation_intensity_zoom=\u00a0\u00bb10%\u00a0\u00bb animation=\u00a0\u00bboff\u00a0\u00bb link_option_url=\u00a0\u00bbhttps:\/\/cspm-assurances.com\/index.php\/prendre-rendez-vous\/\u00a0\u00bb border_radii=\u00a0\u00bbon|10px|10px|10px|10px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3&Prime; box_shadow_vertical=\u00a0\u00bb10px\u00a0\u00bb box_shadow_blur=\u00a0\u00bb80px\u00a0\u00bb box_shadow_spread=\u00a0\u00bb-10px\u00a0\u00bb box_shadow_color=\u00a0\u00bbrgba(44,54,92,0.2)\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n<p>Prenez un rendez-vous t\u00e9l\u00e9phonique ou en agence<\/p>\n<p><a href=\"https:\/\/cspm-assurances.com\/index.php\/prendre-rendez-vous\/\"><strong>Prenez rendez-vous maintenant<\/strong><\/a><\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Plan d&rsquo;\u00e9pargne retraite Vous souhaitez anticiper votre retraite tout en optimisant vos imp\u00f4ts, d\u00e9couvrez notre nouveau produit PERPr\u00e9parez\u00a0votre\u00a0retraite\u00a0d\u00e8s\u00a0maintenant\u00a0avec\u00a0notre contrat PERLa retraite fait partie des premi\u00e8res pr\u00e9occupations des Fran\u00e7ais aujourd\u2019hui. Face \u00e0 la d\u00e9gradation des niveaux de pensions issues des r\u00e9gimes obligatoires, particuli\u00e8rement marqu\u00e9e sur les hauts revenus, \u00e9pargner en vue de la retraite est devenu [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-2946","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"http:\/\/cspm-assurances.com\/index.php\/wp-json\/wp\/v2\/pages\/2946","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/cspm-assurances.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"http:\/\/cspm-assurances.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"http:\/\/cspm-assurances.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/cspm-assurances.com\/index.php\/wp-json\/wp\/v2\/comments?post=2946"}],"version-history":[{"count":0,"href":"http:\/\/cspm-assurances.com\/index.php\/wp-json\/wp\/v2\/pages\/2946\/revisions"}],"wp:attachment":[{"href":"http:\/\/cspm-assurances.com\/index.php\/wp-json\/wp\/v2\/media?parent=2946"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}