Date: Tue, 22 Aug 2023 07:04:17 +0000 (UTC)
From: MMA Assurances Jouet-Florin <assurancesjouet-florin@actu.io>
Message-ID: <64e45df0641a8_323339256a25087276@mpp-production-sidekiq.mail>
Subject: =?UTF-8?B?4pyTIHwgUGF5ZXIgbW9pbnMgZCdpbXDDtHRz?= avec le PER |
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Reply-To: MMA Assurances Jouet-Florin <david.jouet@mma.fr>
To: chantal@color-avenue.com
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Le Plan d=E2=80=99=C3=A9pargne retraite (PER) pr=C3=A9sente de nombreux ava=
ntages,=0D
notamment celui de vous permettre de payer moins d=E2=80=99imp=C3=B4ts.=0D
D=C3=A9couvrez quels sont vos droits en la mati=C3=A8re et comment cela=0D
fonctionne.=0D
=0D
=0D
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9uOSjAQ-3D-3D )=0D
=0D
=0D
Suivez-nous sur=0D
=0D
Company=20=0D
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=0D
MMA=0D
Assurances Jouet-Florin=0D
=0D
MMA - Assurances Jou=C3=ABt Florin ce sont 5 agences de proximit=C3=A9 =C3=
=A0=0D
Vannes est, Vannes Ouest, Muzillac, Elven et Sarzeau. Proximit=C3=A9 -=0D
R=C3=A9activit=C3=A9 - Conseil. Rendez-vous sous 48h. Indemnisations=0D
rapides. Des experts =C3=A0 votre =C3=A9coute.=0D
-----------------------------------------------------------------=0D
=0D
********************************=0D
Payer moins d'imp=C3=B4ts avec le PER=0D
********************************=0D
=0D
Le Plan d=E2=80=99=C3=A9pargne retraite (PER) pr=C3=A9sente de nombreux ava=
ntages,=0D
notamment celui de vous permettre de payer moins d=E2=80=99imp=C3=B4ts.=0D
D=C3=A9couvrez quels sont vos droits en la mati=C3=A8re et comment cela=0D
fonctionne.=0D
=0D
Le PER, qu=E2=80=99est-ce que c=E2=80=99est ?=0D
-----------------------------=0D
=0D
PER signifie Plan d=E2=80=99=C3=A9pargne retraite. Il a =C3=A9t=C3=A9 cr=C3=
=A9=C3=A9 par la loi=0D
Pacte, est disponible depuis le 1er octobre 2019, et vise =C3=A0=0D
remplacer le contrat Madelin et le PERP (Plan d=E2=80=99=C3=A9pargne retrai=
te=0D
populaire). Il doit vous permettre, comme son nom l=E2=80=99indique, de=0D
vous aider =C3=A0 pr=C3=A9parer votre retraite en mettant de l=E2=80=99arge=
nt de=0D
c=C3=B4t=C3=A9 et en le r=C3=A9cup=C3=A9rant le moment venu, sous forme de =
capital ou=0D
de rentes. Ses sp=C3=A9cificit=C3=A9s font qu=E2=80=99il est particuli=C3=
=A8rement=0D
int=C3=A9ressant pour les contribuables fortement impos=C3=A9s. Il existe=0D
deux types de PER : le PERE (Plan d=E2=80=99=C3=A9pargne retraite entrepris=
e)=0D
et le PERIN (Plan d=E2=80=99=C3=A9pargne retraite individuel).=0D
=0D
Comment =C3=A7a marche ?=0D
-------------------=0D
=0D
Le PER ne vous donne pas automatiquement droit =C3=A0 une r=C3=A9duction=0D
d=E2=80=99imp=C3=B4t. En revanche, les sommes que vous versez dessus sont=0D
d=C3=A9ductibles de votre revenu imposable, ce qui fait m=C3=A9caniquement=0D
baisser vos imp=C3=B4ts. Cela peut m=C3=AAme vous faire changer de tranche=0D
de revenu et =C3=AAtre ainsi d=E2=80=99autant plus int=C3=A9ressant. Un pla=
fond de=0D
versement est pr=C3=A9vu, qui d=C3=A9pend de votre situation et qui figure=0D
en principe sur votre d=C3=A9claration d=E2=80=99imp=C3=B4t. Si ce n=E2=80=
=99est pas le=0D
cas, vous pouvez vous renseigner via la messagerie de votre=0D
espace priv=C3=A9 sur le site impot.gouv.fr ou en contactant=0D
directement le centre des finances publiques dont vous d=C3=A9pendez.=0D
=0D
Jouer sur les plafonds =C3=A0 deux=0D
-----------------------------=0D
=0D
La retraite peut se construire =C3=A0 deux, et le PER en tient compte.=0D
Si vous faites une d=C3=A9claration commune avec votre conjoint(e) et=0D
que vous =C3=AAtes mari=C3=A9s ou pacs=C3=A9s, vous pouvez mutualiser les=0D
plafonds de d=C3=A9duction. Autrement dit, si l=E2=80=99un de vous deux ne=0D
verse pas le maximum possible sur son Plan d=E2=80=99=C3=A9pargne retraite,=0D
l=E2=80=99autre peut en b=C3=A9n=C3=A9ficier et ainsi d=C3=A9duire davantag=
e de ses=0D
revenus. Une case pr=C3=A9vue =C3=A0 cet effet, intitul=C3=A9e =C2=AB Vous =
souhaitez=0D
b=C3=A9n=C3=A9ficier du plafond de votre conjoint =C2=BB figure sur votre=0D
d=C3=A9claration d=E2=80=99imp=C3=B4t. A vous de calculer ensemble ce qui e=
st le=0D
plus avantageux pour vous deux.=0D
=0D
Attention =C3=A0 l=E2=80=99imp=C3=B4t =C3=A0 la sortie=0D
-------------------------------=0D
=0D
Si les sommes plac=C3=A9es sur un PER permettent de payer moins=0D
d=E2=80=99imp=C3=B4ts =C3=A0 l=E2=80=99entr=C3=A9e en les d=C3=A9duisant de=
 vos revenus, =C3=A0 la sortie=0D
en revanche, vous ne pourrez pas =C3=A9chapper =C3=A0 l=E2=80=99imposition =
! Vous=0D
pouvez faire le choix de r=C3=A9cup=C3=A9rer vos sommes sous forme d=E2=80=
=99un=0D
capital, qui sera alors soumis =C3=A0 l=E2=80=99imp=C3=B4t sur le revenu, s=
ans=0D
oublier les plus-values qui seront soumises au PFU (Pr=C3=A9l=C3=A8vement=0D
forfaitaire unique) s=E2=80=99=C3=A9levant =C3=A0 30 %. Si vous pr=C3=A9f=
=C3=A9rez des rentes=0D
viag=C3=A8res, alors vous devrez vous acquitter des pr=C3=A9l=C3=A8vements=0D
sociaux ainsi que de l=E2=80=99imp=C3=B4t sur le revenu. L=E2=80=99op=C3=A9=
ration reste=0D
int=C3=A9ressante, mais vous devez en tenir compte au moment de=0D
prendre votre PER.=0D
=0D
Retrouvez toutes nos actualit=C3=A9s sur notre page Linkedin !=0D
=0D
J'y vais !=20=0D
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02 97 68 20 60 ( tel:02%2097%2068%2020%2060 )=0D
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<!DOCTYPE html>=0D
<html>=0D
<head>=0D
<title>Payer moins d'imp=C3=B4ts avec le PER | MMA ,  | Assurances Jouet-Fl=
orin</title>=0D
<meta content=3D"Le Plan d=E2=80=99=C3=A9pargne retraite (PER) pr=C3=A9sent=
e de nombreux avantages, notamment celui de vous permettre de payer moins d=
=E2=80=99imp=C3=B4ts. D=C3=A9couvrez quels sont vos droits en la mati=C3=A8=
re et comment cela fonctionne." name=3D"description">=0D
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<div class=3D"name" style=3D"font-size: 18px; font-weight: bold; line-heigh=
t: 1.278; color: #284150;" align=3D"left">MMA</div>=0D
<div class=3D"job_title" style=3D"font-size: 14px; font-style: italic; line=
-height: 1.643; color: #284150;"><span style=3D"text-transform: uppercase;"=
>Assurances Jouet-Florin</span></div>=0D
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talic; color: #284150; margin: 0; padding: 0px 0 15px 0px;">=0D
<img src=3D"https://s3-eu-west-1.amazonaws.com/mppproductions3/emails/new/t=
emplate2/pal5/quote.png" style=3D"color: #ffffff;">=C2=A0MMA - Assurances J=
ou=C3=ABt Florin ce sont 5 agences de proximit=C3=A9 =C3=A0 Vannes est, Van=
nes Ouest, Muzillac, Elven et Sarzeau. Proximit=C3=A9 - R=C3=A9activit=C3=
=A9 - Conseil. Rendez-vous sous 48h. Indemnisations rapides. Des experts =
=C3=A0 votre =C3=A9coute.</h4></td></tr>=0D
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<tr><td><table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" class=3D"header" style=3D"text-align: center; width: 100%; max-width=
: 600px; height: 400px; border-collapse: separate; padding: 0;" width=3D"60=
0"><tr><td><img width=3D"600" style=3D"display: block; width: 100%; max-wid=
th: 600px; color: #ffffff;" src=3D"https://mppproductions3.s3.eu-west-1.ama=
zonaws.com/hsd7bbfccgn9hvnfoodbw8i3t2at"></td></tr></table></td></tr>=0D
<tr><td><table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" class=3D"content" style=3D"width: 100%; max-width: 600px; border-col=
lapse: separate; padding: 20px 5px 0;" width=3D"600"><tr>=0D
<td style=3D"width: 27px; max-width: 27px;" width=3D"27"></td>=0D
<td><table class=3D"h1-content" style=3D"width: 100%; max-width: 600px; bor=
der-collapse: separate; color: #284150;" width=3D"600"><tr><td><h1 style=3D=
"font-size: 30px; font-weight: 700; color: #284150;" align=3D"left">Payer m=
oins d'imp=C3=B4ts avec le PER</h1></td></tr></table></td>=0D
<td style=3D"width: 27px; max-width: 27px;" width=3D"27"></td>=0D
</tr></table></td></tr>=0D
<tr><td>=0D
<table align=3D"center" bgcolor=3D"#ffffff" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" class=3D"content main-content" style=3D"width: 100%; max-=
width: 600px; border-collapse: separate; padding: 0 5px;" width=3D"600"><tr=
>=0D
<td style=3D"width: 27px; max-width: 27px;" width=3D"27"></td>=0D
<td>=0D
<div class=3D"intro" style=3D"display: block; vertical-align: middle; font-=
size: 15px; line-height: 24px; border-left-width: 8px; border-left-color: #=
284150; border-left-style: solid; color: #284150; margin: 30px 0 10px; padd=
ing: 0 0 0 15px;" align=3D"justify">Le Plan d=E2=80=99=C3=A9pargne retraite=
 (PER) pr=C3=A9sente de nombreux avantages, notamment celui de vous permett=
re de payer moins d=E2=80=99imp=C3=B4ts. D=C3=A9couvrez quels sont vos droi=
ts en la mati=C3=A8re et comment cela fonctionne.</div>=0D
<h3 style=3D'font-size: 18px; line-height: 1.4em; font-weight: 600; text-tr=
ansform: uppercase; color: #284150; background: url("https://s3-eu-west-1.a=
mazonaws.com/mppdevelopments3/emails/new/template1/line.jpg") no-repeat lef=
t bottom; margin: 50px 0 20px; padding: 0 0 7px;' align=3D"left">Le PER, qu=
=E2=80=99est-ce que c=E2=80=99est ?</h3>=0D
<div class=3D"paragraph" style=3D"font-size: 16px; font-weight: 400; line-h=
eight: 25px; padding-left: 25px; color: #284150; margin: 7px 0 25px;" align=
=3D"justify">PER signifie Plan d=E2=80=99=C3=A9pargne retraite. Il a =C3=A9=
t=C3=A9 cr=C3=A9=C3=A9 par la loi Pacte, est disponible depuis le 1er octob=
re 2019, et vise =C3=A0 remplacer le contrat Madelin et le PERP (Plan d=E2=
=80=99=C3=A9pargne retraite populaire). Il doit vous permettre, comme son n=
om l=E2=80=99indique, de vous aider =C3=A0 pr=C3=A9parer votre retraite en =
mettant de l=E2=80=99argent de c=C3=B4t=C3=A9 et en le r=C3=A9cup=C3=A9rant=
 le moment venu, sous forme de capital ou de rentes. Ses sp=C3=A9cificit=C3=
=A9s font qu=E2=80=99il est particuli=C3=A8rement int=C3=A9ressant pour les=
 contribuables fortement impos=C3=A9s. Il existe deux types de PER : le PER=
E (Plan d=E2=80=99=C3=A9pargne retraite entreprise) et le PERIN (Plan d=E2=
=80=99=C3=A9pargne retraite individuel).</div>=0D
<h3 style=3D'font-size: 18px; line-height: 1.4em; font-weight: 600; text-tr=
ansform: uppercase; color: #284150; background: url("https://s3-eu-west-1.a=
mazonaws.com/mppdevelopments3/emails/new/template1/line.jpg") no-repeat lef=
t bottom; margin: 50px 0 20px; padding: 0 0 7px;' align=3D"left">Comment =
=C3=A7a marche ?</h3>=0D
<div class=3D"paragraph" style=3D"font-size: 16px; font-weight: 400; line-h=
eight: 25px; padding-left: 25px; color: #284150; margin: 7px 0 25px;" align=
=3D"justify">Le PER ne vous donne pas automatiquement droit =C3=A0 une r=C3=
=A9duction d=E2=80=99imp=C3=B4t. En revanche, les sommes que vous versez de=
ssus sont d=C3=A9ductibles de votre revenu imposable, ce qui fait m=C3=A9ca=
niquement baisser vos imp=C3=B4ts. Cela peut m=C3=AAme vous faire changer d=
e tranche de revenu et =C3=AAtre ainsi d=E2=80=99autant plus int=C3=A9ressa=
nt. Un plafond de versement est pr=C3=A9vu, qui d=C3=A9pend de votre situat=
ion et qui figure en principe sur votre d=C3=A9claration d=E2=80=99imp=C3=
=B4t. Si ce n=E2=80=99est pas le cas, vous pouvez vous renseigner via la me=
ssagerie de votre espace priv=C3=A9 sur le site impot.gouv.fr ou en contact=
ant directement le centre des finances publiques dont vous d=C3=A9pendez.</=
div>=0D
<h3 style=3D'font-size: 18px; line-height: 1.4em; font-weight: 600; text-tr=
ansform: uppercase; color: #284150; background: url("https://s3-eu-west-1.a=
mazonaws.com/mppdevelopments3/emails/new/template1/line.jpg") no-repeat lef=
t bottom; margin: 50px 0 20px; padding: 0 0 7px;' align=3D"left">Jouer sur =
les plafonds =C3=A0 deux</h3>=0D
<div class=3D"paragraph" style=3D"font-size: 16px; font-weight: 400; line-h=
eight: 25px; padding-left: 25px; color: #284150; margin: 7px 0 25px;" align=
=3D"justify">La retraite peut se construire =C3=A0 deux, et le PER en tient=
 compte. Si vous faites une d=C3=A9claration commune avec votre conjoint(e)=
 et que vous =C3=AAtes mari=C3=A9s ou pacs=C3=A9s, vous pouvez mutualiser l=
es plafonds de d=C3=A9duction. Autrement dit, si l=E2=80=99un de vous deux =
ne verse pas le maximum possible sur son Plan d=E2=80=99=C3=A9pargne retrai=
te, l=E2=80=99autre peut en b=C3=A9n=C3=A9ficier et ainsi d=C3=A9duire dava=
ntage de ses revenus. Une case pr=C3=A9vue =C3=A0 cet effet, intitul=C3=A9e=
 =C2=AB Vous souhaitez b=C3=A9n=C3=A9ficier du plafond de votre conjoint =
=C2=BB figure sur votre d=C3=A9claration d=E2=80=99imp=C3=B4t. A vous de ca=
lculer ensemble ce qui est le plus avantageux pour vous deux.</div>=0D
<h3 style=3D'font-size: 18px; line-height: 1.4em; font-weight: 600; text-tr=
ansform: uppercase; color: #284150; background: url("https://s3-eu-west-1.a=
mazonaws.com/mppdevelopments3/emails/new/template1/line.jpg") no-repeat lef=
t bottom; margin: 50px 0 20px; padding: 0 0 7px;' align=3D"left">Attention =
=C3=A0 l=E2=80=99imp=C3=B4t =C3=A0 la sortie</h3>=0D
<div class=3D"paragraph" style=3D"font-size: 16px; font-weight: 400; line-h=
eight: 25px; padding-left: 25px; color: #284150; margin: 7px 0 25px;" align=
=3D"justify">Si les sommes plac=C3=A9es sur un PER permettent de payer moin=
s d=E2=80=99imp=C3=B4ts =C3=A0 l=E2=80=99entr=C3=A9e en les d=C3=A9duisant =
de vos revenus, =C3=A0 la sortie en revanche, vous ne pourrez pas =C3=A9cha=
pper =C3=A0 l=E2=80=99imposition ! Vous pouvez faire le choix de r=C3=A9cup=
=C3=A9rer vos sommes sous forme d=E2=80=99un capital, qui sera alors soumis=
 =C3=A0 l=E2=80=99imp=C3=B4t sur le revenu, sans oublier les plus-values qu=
i seront soumises au PFU (Pr=C3=A9l=C3=A8vement forfaitaire unique) s=E2=80=
=99=C3=A9levant =C3=A0 30 %. Si vous pr=C3=A9f=C3=A9rez des rentes viag=C3=
=A8res, alors vous devrez vous acquitter des pr=C3=A9l=C3=A8vements sociaux=
 ainsi que de l=E2=80=99imp=C3=B4t sur le revenu. L=E2=80=99op=C3=A9ration =
reste int=C3=A9ressante, mais vous devez en tenir compte au moment de prend=
re votre PER.</div>=0D
</td>=0D
<td style=3D"width: 27px; max-width: 27px;" width=3D"27"></td>=0D
</tr></table>=0D
<table align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" cl=
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x; line-height: 24px; margin: 0; padding: 0;" valign=3D"top" align=3D"left"=
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left; font-size: 15px; line-height: 24px; white-space: pre-line; word-break=
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t3XI1HwmA0EM1oDaJUnHAXVFC-2B8-2FAXNNaqutvnsiEjdorcq-2FCSDIRY7ljs6EY6vhSRu43=
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