The PER adapts to all needs, but at the time of retirement, should we opt for an annuity or capital outing? It all depends on his situation and his projects, but whatever his choice, you must take care to have an adapted contract.
by Aurélie burden
Once retired, recovering the capital spared on its retirement savings plan (PER) is authorized, but it is not an obligation, since we can also allow these amounts without limit. At the exit, the PER nevertheless offers a whole variety of possibilities, in particular to go out in a life annuity. In this case, you give your capital to an insurer, and the latter is responsible for paying you a sum of money every month or quarter: we are talking about arrears.
For example, for a retirement at 65 with a capital of 100,000 euros, you will receive an annuity of 351 euros per month. It was the outing mode that prevailed in the Perp and the Madelin. “The problem in previous devices is that savers had no choice,” notes David Lombard, head of heritage and financial engineering within mutual France.
Now, savers have greater flexibility, since they can also opt for a capital outing and thus recover all of their savings. Another option: split this capital and make regular withdrawals. Finally, it is permissible to combine a capital outlet and rent. What face all situations.
To make the right choices, you must first be clear about your life projects and your needs once retired. At this stage, there are as many cases as people. Another element to take into account: your constraints. Thus, it is essential to assess your retirement income. Furthermore, do you have a mortgage to reimburse? A dependent student? “It is a significant period of life which includes significant changes, underlines Sylvain Coriat, member of the Executive Committee of Allianz France, in charge of persons. Savings devices can be unclogged … There is a real need for advice on this period. “Good to know: some insurers or mutuals offer simulation tools, and even sometimes coaching services to help you see clearly. The choice will also depend on your level of wealth.
Most savers are considering the capital outing. But if the PER is your only savings or if your retirement is minimal, the life annuity deserves to be considered. Indeed, it is the only way to be sure of having a supplement of income throughout your life. “The annuity remains the best way to protect a household in the face of the risk of longevity and depreciation of financial assets”, judges Sylvain Coriat.
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