Why open a PER today?

The sooner you open a Retirement Savings Plan, the more you enjoy its benefits. Indeed:

🕒 Time effect: your savings benefit from the effect of compound interest, especially if you invest in units of account.

💰 Flexibility: you can pay at your own pace, according to your financial capabilities.

📉 Tax optimization: the earlier you start, the more tax savings you accumulate over the years.

🏡 Access to property: opening a young PER also allows using it to finance a real estate purchase.

👉 Example: Marie starts to pay €200 per month on her PER at 30 years old. At 65 years old, with an average return of 5%, she has more than €200,000. If she had waited 45 years, she would have accumulated twice as much.

The PER is not reserved for seniors: it is a long-term winning product, which combines taxation, yield and flexibility.