{"id":1490,"date":"2006-09-01T00:00:00","date_gmt":"2006-08-31T22:00:00","guid":{"rendered":"https:\/\/www.gereso.com\/actualites\/2006\/09\/developpement-de-lepargne-retraite-en-complement-des-regimes-par-repartition\/"},"modified":"2006-09-01T00:00:00","modified_gmt":"2006-08-31T22:00:00","slug":"developpement-de-lepargne-retraite-en-complement-des-regimes-par-repartition","status":"publish","type":"post","link":"https:\/\/www.gereso.com\/actualites\/2006\/09\/01\/developpement-de-lepargne-retraite-en-complement-des-regimes-par-repartition\/","title":{"rendered":"D\u00e9veloppement de l'\u00e9pargne retraite en compl\u00e9ment des r\u00e9gimes par r\u00e9partition"},"content":{"rendered":"

Des propositions concr\u00e8tes pour stimuler l’\u00e9pargne retraite<\/h3>\n

Ilrapporte \u00e9galement que la diminution du taux de remplacement desretraites servies par les r\u00e9gimes obligatoires offre d’importantesperspectives de d\u00e9veloppement de l’\u00e9pargne retraite, en compl\u00e9ment desr\u00e9gimes par r\u00e9partition et souligne que le pouvoirs publics doiventaccompagner le d\u00e9veloppement de l’\u00e9pargne retraite, tout enencourageant les placements en actions, ce qui a conduit la commissiondes finances \u00e0 formuler les propositions suivantes :<\/p>\n

  • les cotisations compl\u00e9mentaires d\u00e9pendance sur un contrat d’\u00e9pargne retraite seraient fiscalement d\u00e9ductibles<\/b> dans les m\u00eames conditions que les cotisations d’\u00e9pargne retraite ;<\/li>\n
  • un plafond global de d\u00e9duction des cotisations d’\u00e9pargne retraite<\/b>, mutualis\u00e9 entre les membres du couple au sein du foyer fiscal, renforcerait le caract\u00e8re familial de l’\u00e9pargne retraite ;<\/li>\n
  • les versements sur les PERCO seraient exon\u00e9r\u00e9s d’imp\u00f4t de solidarit\u00e9 sur la fortune (ISF)<\/b> dans les m\u00eames conditions que les cotisations sur les contrats PERP ;<\/li>\n
  • la cr\u00e9ation d’un code de l’\u00e9pargne retraite<\/b>permettrait de regrouper des dispositions l\u00e9gislatives etr\u00e9glementaires aujourd’hui dispers\u00e9es dans au moins cinq codes, ou nonencore codifi\u00e9es, comme dans le cas du PERP ;<\/li>\n
  • les r\u00e8gles de gouvernance de la Pr\u00e9fon et du compl\u00e9ment de retraite mutualiste seraient modifi\u00e9es<\/b>, afin d’offrir \u00e0 leurs adh\u00e9rents la possibilit\u00e9 de d\u00e9poser directement des r\u00e9solutions en assembl\u00e9e g\u00e9n\u00e9rale ;<\/li>\n
  • jusqu’au 31 d\u00e9cembre 2018, la valeur de capitalisation des rentes issues d’un PERP ou d’un PERCO serait exon\u00e9r\u00e9e d’ISF <\/b>encas de souscription du contrat d’\u00e9pargne retraite moins de quinze ansavant l’\u00e2ge donnant droit \u00e0 la liquidation d’une retraite \u00e0 taux plein ;<\/li>\n
  • enfin, il convient de provisionner int\u00e9gralement le r\u00e9gime du compl\u00e9ment de retraite des hospitaliers (CRH)<\/b>,d\u00e9rogatoire au droit commun, en \u00e9tablissant un plan de convergencetripartite (Etat, AGF, assur\u00e9s) fond\u00e9 sur la viag\u00e9risation progressivede ce r\u00e9gime.<\/li>\n

    Source : S\u00e9nat, commission des finances, 20 sept. 2006, communication<\/p>\n","protected":false},"excerpt":{"rendered":"

    Des propositions concr\u00e8tes pour stimuler l’\u00e9pargne retraite Ilrapporte \u00e9galement que la diminution du taux de remplacement desretraites servies par les r\u00e9gimes obligatoires offre d’importantesperspectives de d\u00e9veloppement de l’\u00e9pargne retraite, en compl\u00e9ment desr\u00e9gimes par r\u00e9partition et souligne que le pouvoirs publics doiventaccompagner le d\u00e9veloppement de l’\u00e9pargne retraite, tout enencourageant les placements en actions, ce qui a […]<\/p>\n","protected":false},"author":32,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_mi_skip_tracking":false,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-1490","post","type-post","status-publish","format-standard","hentry","category-retraite-et-protection-sociale"],"acf":[],"yoast_head":"\nD\u00e9veloppement de l'\u00e9pargne retraite en compl\u00e9ment des r\u00e9gimes par r\u00e9partition - Le Blog GERESO<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gereso.com\/actualites\/2006\/09\/01\/developpement-de-lepargne-retraite-en-complement-des-regimes-par-repartition\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"D\u00e9veloppement de l'\u00e9pargne retraite en compl\u00e9ment des r\u00e9gimes par r\u00e9partition - Le Blog GERESO\" \/>\n<meta property=\"og:description\" content=\"Des propositions concr\u00e8tes pour stimuler l’\u00e9pargne retraite Ilrapporte \u00e9galement que la diminution du taux de remplacement desretraites servies par les r\u00e9gimes obligatoires offre d’importantesperspectives de d\u00e9veloppement de l’\u00e9pargne retraite, en compl\u00e9ment desr\u00e9gimes par r\u00e9partition et souligne que le pouvoirs publics doiventaccompagner le d\u00e9veloppement de l’\u00e9pargne retraite, tout enencourageant les placements en actions, ce qui a […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.gereso.com\/actualites\/2006\/09\/01\/developpement-de-lepargne-retraite-en-complement-des-regimes-par-repartition\/\" \/>\n<meta property=\"og:site_name\" content=\"Le Blog GERESO\" \/>\n<meta property=\"article:published_time\" content=\"2006-08-31T22:00:00+00:00\" \/>\n<meta name=\"author\" content=\"\u00c9quipe GERESO\" \/>\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\":\"WebPage\",\"@id\":\"https:\/\/www.gereso.com\/actualites\/2006\/09\/01\/developpement-de-lepargne-retraite-en-complement-des-regimes-par-repartition\/\",\"url\":\"https:\/\/www.gereso.com\/actualites\/2006\/09\/01\/developpement-de-lepargne-retraite-en-complement-des-regimes-par-repartition\/\",\"name\":\"D\u00e9veloppement de l'\u00e9pargne retraite en compl\u00e9ment des r\u00e9gimes par r\u00e9partition - 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