{"id":1127491,"date":"2025-09-04T00:51:53","date_gmt":"2025-09-03T21:51:53","guid":{"rendered":"https:\/\/www.etoro.com\/?page_id=1127491"},"modified":"2025-10-29T14:11:02","modified_gmt":"2025-10-29T12:11:02","slug":"retirement-savings-plan","status":"publish","type":"page","link":"https:\/\/www.etoro.com\/fr\/investing\/retirement-savings-plan\/","title":{"rendered":"Plan d\u2019\u00c9pargne Retraite"},"content":{"rendered":"\n<div class=\"wp-block-etoro-half-cover has-white-background-color\">\n<div class=\"wp-block-etoro-half-cover-left\"><p id=\"breadcrumbs\" class=\"gray-dark\"><span><span><a href=\"https:\/\/www.etoro.com\/fr\/\">Accueil<\/a><\/span><\/span><\/p>\n<h1 class=\"wp-block-heading is-style-banner-title hide-on-mobile\">Pensez \u00e0 long terme,<br><b class=\"wp-etoro-format-colored-green\">planifiez intelligemment<\/b><\/h1>\n\n\n\n<h1 class=\"wp-block-heading has-text-align-center is-style-banner-title hide-on-tablet hide-on-desktop\">Pensez \u00e0 long terme<br><b class=\"wp-etoro-format-colored-green\">planifiez intelligemment<\/b><\/h1>\n\n\n\n<p class=\"is-style-subtitle hide-on-mobile\"><strong>Nouveau sur eToro France : le Plan d\u2019\u00c9pargne Retraite (PER)<\/strong><br>Une mani\u00e8re enti\u00e8rement num\u00e9rique et fiscalement avantageuse de pr\u00e9parer votre avenir, en partenariat avec Generali.<\/p>\n\n\n\n<p class=\"has-text-align-center is-style-subtitle hide-on-tablet hide-on-desktop\"><strong>Nouveau sur eToro France : le Plan d\u2019\u00c9pargne Retraite (PER)<br><\/strong>Une mani\u00e8re enti\u00e8rement num\u00e9rique et fiscalement avantageuse de pr\u00e9parer votre avenir, en partenariat avec Generali.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex hide-on-mobile\">\n<a class=\"e-cta e-cta-primary\" href=\"\/accounts\/sign-up\">D\u00e9couvrir l&#8217;\u00e9pargne PER<\/a>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex hide-on-tablet hide-on-desktop\">\n<a class=\"e-cta e-cta-primary\" href=\"\/accounts\/sign-up\">D\u00e9couvrir l&#8217;\u00e9pargne PER<\/a>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-etoro-half-cover-right\">\n<img decoding=\"async\" src=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/PER-Cover-1920.png\" alt=\"\" class=\"wp-block-etoro-half-cover-media\"\/><img decoding=\"async\" src=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/PER-Cover-1280.png\" alt=\"\" class=\"wp-block-etoro-half-cover-media-desktop\"\/><img decoding=\"async\" src=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/PER-Cover-Tablet.png\" alt=\"\" class=\"wp-block-etoro-half-cover-media-tablet\"\/><img decoding=\"async\" src=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/PER-Cover-Mobile.png\" alt=\"\" class=\"wp-block-etoro-half-cover-media-mobile\"\/>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-group wp-block-group-boxed\"><div class=\"wp-block-group-inner is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns are-vertically-aligned-top wp-block-columns-1 is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-center\"><strong>Qu\u2019est-ce qu\u2019un <b class=\"wp-etoro-format-colored-green\">PER (Plan d&#8217;\u00c9pargne Retraite) ?<\/b><\/strong><\/h2>\n\n\n\n<p class=\"has-text-align-center\">Le PER est un plan d\u2019\u00e9pargne retraite con\u00e7u pour vous aider \u00e0 planifier votre retraite en investissant sur le long terme. D\u00e9sormais disponible via eToro Patrimoine et pilot\u00e9 par Generali Wealth Solutions, ce plan vous permet d\u2019investir dans un portefeuille organis\u00e9 ou personnalis\u00e9, enti\u00e8rement en ligne et adapt\u00e9 \u00e0 votre profil de risque.<\/p>\n<\/div>\n<\/div>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-group wp-block-group-boxed has-white-background-color has-background\"><div class=\"wp-block-group-inner is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-center hide-on-mobile\"><strong>Pourquoi choisir <b class=\"wp-etoro-format-colored-green\">eToro Patrimoine et le PER de Generali ?<\/b><\/strong><\/h2>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center wp-block-columns-2 is-layout-flex wp-container-core-columns-is-layout-2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-text-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-center hide-on-tablet hide-on-desktop\"><strong>Pourquoi choisir <b class=\"wp-etoro-format-colored-green\">eToro Patrimoine et le PER de Generali ?<\/b><\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list wp-block-list wp-block-list-circle\">\n<li>Accessible d\u00e8s 300 \u20ac<\/li>\n\n\n\n<li>G\u00e9r\u00e9 par Generali Wealth Solutions, acteur r\u00e9glement\u00e9 par l\u2019AMF<\/li>\n\n\n\n<li>Portefeuilles s\u00e9lectionn\u00e9s par des experts pour r\u00e9pondre \u00e0 diff\u00e9rents profils<\/li>\n\n\n\n<li>Plus de 1 000 opportunit\u00e9s d\u2019investissement disponibles<\/li>\n\n\n\n<li>100 % en ligne, directement int\u00e9gr\u00e9 \u00e0 la plateforme eToro<\/li>\n\n\n\n<li>Avantages fiscaux durables, con\u00e7us pour optimiser votre planification financi\u00e8re<\/li>\n\n\n\n<li>Z\u00e9ro frais de gestion en 2025<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"400\" src=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/PER-Why-Choose-Illustration.png\" alt=\"\" class=\"wp-image-1127522 wp-image-desktop\" srcset=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/PER-Why-Choose-Illustration.png 576w, https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/PER-Why-Choose-Illustration-300x208.png 300w\" sizes=\"(max-width: 576px) 100vw, 576px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-group wp-block-group-boxed wp-block-group-small-bottom-padding hide-on-mobile\"><div class=\"wp-block-group-inner is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns are-vertically-aligned-top wp-block-columns-1 is-layout-flex wp-container-core-columns-is-layout-3 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><b class=\"wp-etoro-format-colored-green\">Envie de commencer ?<\/b> On vous guide<\/strong><\/h2>\n<\/div>\n<\/div>\n<\/div><\/section>\n\n\n\n<div id=\"etoro-side-by-side-1480980151\" class=\"wp-block-etoro-side-by-side has-grey-background-color hide-on-mobile\"><div class=\"wp-block-etoro-side-by-side-container\">\n<div class=\"wp-block-etoro-side-by-side-items-top-content\">\n<h2 class=\"wp-block-heading has-text-align-center hide-on-tablet hide-on-desktop\"><\/h2>\n<\/div>\n\n\n<div class=\"wp-block-etoro-side-by-side-right-swiper-wrapper\">\n                        <div class=\"wp-block-etoro-side-by-side-right-side swiper-wrapper\"><div class='wp-block-etoro-side-by-side-image-item-container swiper-slide '><img\n\t\t\t\t\tclass='wp-block-etoro-side-by-side-right-image'\n\t\t\t\t\tsrc='https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/Insurance-Vie-Step-FR-1.png'\n\t\t\t\t\talt=''\n\t\t\t\t\/>\n\t\t\t\t<img\n              class='wp-block-etoro-side-by-side-right-image wp-block-etoro-side-by-side-image-mobile'\n\t\t\t\t\tsrc='https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/Insurance-Vie-Step-FR-1.png'\n\t\t\t\t\talt=''\n\t\t\t\t\/>\n\t\t\t<\/div><div class='wp-block-etoro-side-by-side-image-item-container swiper-slide '><img\n\t\t\t\t\tclass='wp-block-etoro-side-by-side-right-image'\n\t\t\t\t\tsrc='https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/Insurance-Vie-Step-FR-2.png'\n\t\t\t\t\talt=''\n\t\t\t\t\/>\n\t\t\t\t<img\n              class='wp-block-etoro-side-by-side-right-image wp-block-etoro-side-by-side-image-mobile'\n\t\t\t\t\tsrc='https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/Insurance-Vie-Step-FR-2.png'\n\t\t\t\t\talt=''\n\t\t\t\t\/>\n\t\t\t<\/div><div class='wp-block-etoro-side-by-side-image-item-container swiper-slide '><img\n\t\t\t\t\tclass='wp-block-etoro-side-by-side-right-image'\n\t\t\t\t\tsrc='https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/Insurance-Vie-Step-FR-3.png'\n\t\t\t\t\talt=''\n\t\t\t\t\/>\n\t\t\t\t<img\n              class='wp-block-etoro-side-by-side-right-image wp-block-etoro-side-by-side-image-mobile'\n\t\t\t\t\tsrc='https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/Insurance-Vie-Step-FR-3.png'\n\t\t\t\t\talt=''\n\t\t\t\t\/>\n\t\t\t<\/div><div class='wp-block-etoro-side-by-side-image-item-container swiper-slide '><img\n\t\t\t\t\tclass='wp-block-etoro-side-by-side-right-image'\n\t\t\t\t\tsrc='https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/Insurance-Vie-Step-FR-4.png'\n\t\t\t\t\talt=''\n\t\t\t\t\/>\n\t\t\t\t<img\n              class='wp-block-etoro-side-by-side-right-image wp-block-etoro-side-by-side-image-mobile'\n\t\t\t\t\tsrc='https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/Insurance-Vie-Step-FR-4.png'\n\t\t\t\t\talt=''\n\t\t\t\t\/>\n\t\t\t<\/div><\/div><div class=\"wp-block-etoro-timeline-mobile\"><\/div><\/div>\n<div class=\"wp-block-etoro-side-by-side-left-swiper-wrapper\"><div class=\"wp-block-etoro-side-by-side-left-side swiper-wrapper\">\n<div class=\"wp-block-etoro-side-by-side-item swiper-slide has-dark-blue-stroke\" data-icon-color=\"dark-blue\"><div class=\"wp-block-etoro-side-by-side-left-side-container\"><div class=\"wp-block-etoro-circle is-icon-circle\"><span class=\"wp-block-etoro-side-by-side-icon\" style=\"background-image:url(https:\/\/www.etoro.com\/wp-content\/uploads\/2022\/07\/Number-1-club-page-contact-us.png)\"><\/span><div class=\"wp-block-etoro-circle__item\"><svg class=\"wp-block-etoro-circle__spinner\" viewBox=\"0 0 50 50\"><circle class=\"path\" cx=\"25\" cy=\"25\" r=\"23\" fill=\"none\" stroke-width=\"4\"><\/circle><\/svg><\/div><\/div><div class=\"wp-block-etoro-side-by-side-text\"><h3 class=\"wp-block-etoro-side-by-side-title\">Connectez-vous \u00e0 votre espace eToro<\/h3><p class=\"wp-block-etoro-side-by-side-description\"><\/p><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-etoro-side-by-side-item swiper-slide has-dark-blue-stroke\" data-icon-color=\"dark-blue\"><div class=\"wp-block-etoro-side-by-side-left-side-container\"><div class=\"wp-block-etoro-circle is-icon-circle\"><span class=\"wp-block-etoro-side-by-side-icon\" style=\"background-image:url(https:\/\/www.etoro.com\/wp-content\/uploads\/2022\/07\/Number-2-club-page-contact-us.png)\"><\/span><div class=\"wp-block-etoro-circle__item\"><svg class=\"wp-block-etoro-circle__spinner\" viewBox=\"0 0 50 50\"><circle class=\"path\" cx=\"25\" cy=\"25\" r=\"23\" fill=\"none\" stroke-width=\"4\"><\/circle><\/svg><\/div><\/div><div class=\"wp-block-etoro-side-by-side-text\"><h3 class=\"wp-block-etoro-side-by-side-title\">Cliquez sur \u00ab Plus \u00bb dans le menu <br>de gauche<\/h3><p class=\"wp-block-etoro-side-by-side-description\"><\/p><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-etoro-side-by-side-item swiper-slide has-dark-blue-stroke\" data-icon-color=\"dark-blue\"><div class=\"wp-block-etoro-side-by-side-left-side-container\"><div class=\"wp-block-etoro-circle is-icon-circle\"><span class=\"wp-block-etoro-side-by-side-icon\" style=\"background-image:url(https:\/\/www.etoro.com\/wp-content\/uploads\/2022\/07\/Number-3-club-page-contact-us.png)\"><\/span><div class=\"wp-block-etoro-circle__item\"><svg class=\"wp-block-etoro-circle__spinner\" viewBox=\"0 0 50 50\"><circle class=\"path\" cx=\"25\" cy=\"25\" r=\"23\" fill=\"none\" stroke-width=\"4\"><\/circle><\/svg><\/div><\/div><div class=\"wp-block-etoro-side-by-side-text\"><h3 class=\"wp-block-etoro-side-by-side-title\">S\u00e9lectionnez \u00ab <strong>\u00c9pargne <\/strong>\u00bb<\/h3><p class=\"wp-block-etoro-side-by-side-description\"><\/p><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-etoro-side-by-side-item swiper-slide has-dark-blue-stroke\" data-icon-color=\"dark-blue\"><div class=\"wp-block-etoro-side-by-side-left-side-container\"><div class=\"wp-block-etoro-circle is-icon-circle\"><span class=\"wp-block-etoro-side-by-side-icon\" style=\"background-image:url(https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/Number-4-club-page-contact-us-1.png)\"><\/span><div class=\"wp-block-etoro-circle__item\"><svg class=\"wp-block-etoro-circle__spinner\" viewBox=\"0 0 50 50\"><circle class=\"path\" cx=\"25\" cy=\"25\" r=\"23\" fill=\"none\" stroke-width=\"4\"><\/circle><\/svg><\/div><\/div><div class=\"wp-block-etoro-side-by-side-text\"><h3 class=\"wp-block-etoro-side-by-side-title\">Suivez les instructions \u00e0 l\u2019\u00e9cran pour acc\u00e9der \u00e0 eToro Patrimoine<\/h3><p class=\"wp-block-etoro-side-by-side-description\"><\/p><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<div id=\"etoro-side-by-side-1503196900\" class=\"wp-block-etoro-side-by-side has-white-background-color hide-on-tablet hide-on-desktop\"><div class=\"wp-block-etoro-side-by-side-container\">\n<div class=\"wp-block-etoro-side-by-side-items-top-content\">\n<h2 class=\"wp-block-heading has-text-align-center\"><strong><b class=\"wp-etoro-format-colored-green\">Envie de commencer ?<\/b> On vous guide<\/strong><\/h2>\n<\/div>\n\n\n<div class=\"wp-block-etoro-side-by-side-right-swiper-wrapper\">\n                        <div class=\"wp-block-etoro-side-by-side-right-side swiper-wrapper\"><div class='wp-block-etoro-side-by-side-image-item-container swiper-slide '><img\n\t\t\t\t\tclass='wp-block-etoro-side-by-side-right-image'\n\t\t\t\t\tsrc='https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/Insurance-Vie-Step-FR-1.png'\n\t\t\t\t\talt=''\n\t\t\t\t\/>\n\t\t\t\t<img\n              class='wp-block-etoro-side-by-side-right-image wp-block-etoro-side-by-side-image-mobile'\n\t\t\t\t\tsrc='https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/Insurance-Vie-Step-FR-1.png'\n\t\t\t\t\talt=''\n\t\t\t\t\/>\n\t\t\t<\/div><div class='wp-block-etoro-side-by-side-image-item-container swiper-slide '><img\n\t\t\t\t\tclass='wp-block-etoro-side-by-side-right-image'\n\t\t\t\t\tsrc='https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/Insurance-Vie-Step-FR-2.png'\n\t\t\t\t\talt=''\n\t\t\t\t\/>\n\t\t\t\t<img\n              class='wp-block-etoro-side-by-side-right-image wp-block-etoro-side-by-side-image-mobile'\n\t\t\t\t\tsrc='https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/Insurance-Vie-Step-FR-2.png'\n\t\t\t\t\talt=''\n\t\t\t\t\/>\n\t\t\t<\/div><div class='wp-block-etoro-side-by-side-image-item-container swiper-slide '><img\n\t\t\t\t\tclass='wp-block-etoro-side-by-side-right-image'\n\t\t\t\t\tsrc='https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/Insurance-Vie-Step-FR-3.png'\n\t\t\t\t\talt=''\n\t\t\t\t\/>\n\t\t\t\t<img\n              class='wp-block-etoro-side-by-side-right-image wp-block-etoro-side-by-side-image-mobile'\n\t\t\t\t\tsrc='https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/Insurance-Vie-Step-FR-3.png'\n\t\t\t\t\talt=''\n\t\t\t\t\/>\n\t\t\t<\/div><div class='wp-block-etoro-side-by-side-image-item-container swiper-slide '><img\n\t\t\t\t\tclass='wp-block-etoro-side-by-side-right-image'\n\t\t\t\t\tsrc='https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/Insurance-Vie-Step-FR-4.png'\n\t\t\t\t\talt=''\n\t\t\t\t\/>\n\t\t\t\t<img\n              class='wp-block-etoro-side-by-side-right-image wp-block-etoro-side-by-side-image-mobile'\n\t\t\t\t\tsrc='https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/Insurance-Vie-Step-FR-4.png'\n\t\t\t\t\talt=''\n\t\t\t\t\/>\n\t\t\t<\/div><\/div><div class=\"wp-block-etoro-timeline-mobile\"><\/div><\/div>\n<div class=\"wp-block-etoro-side-by-side-left-swiper-wrapper\"><div class=\"wp-block-etoro-side-by-side-left-side swiper-wrapper\">\n<div class=\"wp-block-etoro-side-by-side-item swiper-slide has-dark-blue-stroke\" data-icon-color=\"dark-blue\"><div class=\"wp-block-etoro-side-by-side-left-side-container\"><div class=\"wp-block-etoro-circle is-icon-circle\"><span class=\"wp-block-etoro-side-by-side-icon\" style=\"background-image:url(https:\/\/www.etoro.com\/wp-content\/uploads\/2022\/07\/Number-1-club-page-contact-us.png)\"><\/span><div class=\"wp-block-etoro-circle__item\"><svg class=\"wp-block-etoro-circle__spinner\" viewBox=\"0 0 50 50\"><circle class=\"path\" cx=\"25\" cy=\"25\" r=\"23\" fill=\"none\" stroke-width=\"4\"><\/circle><\/svg><\/div><\/div><div class=\"wp-block-etoro-side-by-side-text\"><h3 class=\"wp-block-etoro-side-by-side-title\">Connectez-vous \u00e0 votre espace eToro<\/h3><p class=\"wp-block-etoro-side-by-side-description\"><\/p><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-etoro-side-by-side-item swiper-slide has-dark-blue-stroke\" data-icon-color=\"dark-blue\"><div class=\"wp-block-etoro-side-by-side-left-side-container\"><div class=\"wp-block-etoro-circle is-icon-circle\"><span class=\"wp-block-etoro-side-by-side-icon\" style=\"background-image:url(https:\/\/www.etoro.com\/wp-content\/uploads\/2022\/07\/Number-2-club-page-contact-us.png)\"><\/span><div class=\"wp-block-etoro-circle__item\"><svg class=\"wp-block-etoro-circle__spinner\" viewBox=\"0 0 50 50\"><circle class=\"path\" cx=\"25\" cy=\"25\" r=\"23\" fill=\"none\" stroke-width=\"4\"><\/circle><\/svg><\/div><\/div><div class=\"wp-block-etoro-side-by-side-text\"><h3 class=\"wp-block-etoro-side-by-side-title\">Cliquez sur \u00ab Plus \u00bb dans le menu de gauche<\/h3><p class=\"wp-block-etoro-side-by-side-description\"><\/p><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-etoro-side-by-side-item swiper-slide has-dark-blue-stroke\" data-icon-color=\"dark-blue\"><div class=\"wp-block-etoro-side-by-side-left-side-container\"><div class=\"wp-block-etoro-circle is-icon-circle\"><span class=\"wp-block-etoro-side-by-side-icon\" style=\"background-image:url(https:\/\/www.etoro.com\/wp-content\/uploads\/2022\/07\/Number-3-club-page-contact-us.png)\"><\/span><div class=\"wp-block-etoro-circle__item\"><svg class=\"wp-block-etoro-circle__spinner\" viewBox=\"0 0 50 50\"><circle class=\"path\" cx=\"25\" cy=\"25\" r=\"23\" fill=\"none\" stroke-width=\"4\"><\/circle><\/svg><\/div><\/div><div class=\"wp-block-etoro-side-by-side-text\"><h3 class=\"wp-block-etoro-side-by-side-title\">S\u00e9lectionnez \u00ab <strong>\u00c9pargne<\/strong> \u00bb<\/h3><p class=\"wp-block-etoro-side-by-side-description\"><\/p><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-etoro-side-by-side-item swiper-slide has-dark-blue-stroke\" data-icon-color=\"dark-blue\"><div class=\"wp-block-etoro-side-by-side-left-side-container\"><div class=\"wp-block-etoro-circle is-icon-circle\"><span class=\"wp-block-etoro-side-by-side-icon\" style=\"background-image:url(https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/Number-4-club-page-contact-us-1.png)\"><\/span><div class=\"wp-block-etoro-circle__item\"><svg class=\"wp-block-etoro-circle__spinner\" viewBox=\"0 0 50 50\"><circle class=\"path\" cx=\"25\" cy=\"25\" r=\"23\" fill=\"none\" stroke-width=\"4\"><\/circle><\/svg><\/div><\/div><div class=\"wp-block-etoro-side-by-side-text\"><h3 class=\"wp-block-etoro-side-by-side-title\">Suivez les instructions \u00e0 l\u2019\u00e9cran pour acc\u00e9der \u00e0 eToro Patrimoine<\/h3><p class=\"wp-block-etoro-side-by-side-description\"><\/p><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<section class=\"wp-block-group wp-block-group-boxed has-dark-blue-background-color has-background\"><div class=\"wp-block-group-inner is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns are-vertically-aligned-center wp-block-columns-2 is-swapped-on-mobile is-layout-flex wp-container-core-columns-is-layout-4 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"400\" src=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/Assurance-Vie-Also-Discover-Life-Insurance.png\" alt=\"\" class=\"wp-image-1128040 wp-image-desktop\" srcset=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/Assurance-Vie-Also-Discover-Life-Insurance.png 576w, https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/09\/Assurance-Vie-Also-Discover-Life-Insurance-300x208.png 300w\" sizes=\"(max-width: 576px) 100vw, 576px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3 wp-block-buttons-is-layout-flex hide-on-tablet hide-on-desktop\">\n<a class=\"e-cta e-cta-primary\" href=\"\/fr\/investing\/\/life-insurance\">D\u00e9couvrir l\u2019assurance vie<\/a>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column wp-block-column-align-desktop-left wp-block-column-align-mobile-center is-text-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\"><strong>D\u00e9couvrez \u00e9galement : <b class=\"wp-etoro-format-colored-green\">l&#8217;assurance-vie<\/b><\/strong><\/h2>\n\n\n\n<p><strong>Une solution d\u2019\u00e9pargne \u00e0 long terme, flexible et avantageuse fiscalement.<\/strong><\/p>\n\n\n\n<p>Une solution d\u2019\u00e9pargne \u00e0 long terme, flexible et avantageuse fiscalement. Elle vous permet de faire cro\u00eetre votre capital, de le transmettre facilement et de l\u2019adapter \u00e0 vos objectifs personnels, tout en b\u00e9n\u00e9ficiant d\u2019un cadre fiscal privil\u00e9gi\u00e9.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex hide-on-mobile\">\n<a class=\"e-cta e-cta-primary\" href=\"\/fr\/investing\/\/life-insurance\">D\u00e9couvrir l\u2019assurance vie<\/a>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/section>\n\n\n\n<section class=\"wp-block-group wp-block-group-boxed\"><div class=\"wp-block-group-inner is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-center\"><strong>Approfondir vos connaissances sur <b class=\"wp-etoro-format-colored-green\">l\u2019Assurance Vie et le PER<\/b><\/strong><\/h2>\n\n\n    <div class=\"e-slider-container\" data-location=\"Carousel Most Recent\">\n        <div class=\"e-slider-header\">\n                <\/div>\n        <div class=\"e-slider-wrapper\">\n            <div class=\"e-slider swiper\">\n                <div class=\"e-slides-wrapper swiper-wrapper \">\n                        <div class=\"e-slide-item swiper-slide guides\" data-type=\"guides\" data-level=\"beginners\" data-category=\"investing\"   data-lang=\"fr\">\n        <div class=\"e-slide-item-img lazy\" data-src=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/06\/FR-Plan-Epargne-Retraite-PER-576x385-1.png\">\n                                    <a href=\"https:\/\/www.etoro.com\/fr\/investing\/what-is-plan-epargne-retraite-per\/\"  class=\"\"  data-mixp=\"item-image\" data-item-type=\"guides\" data-title=\"Le Plan d&#8217;\u00c9pargne Retraite (PER)\" data-url=\"https:\/\/www.etoro.com\/fr\/investing\/what-is-plan-epargne-retraite-per\/\"  data-level=\"5\" data-aid=\"1079315\">&#32;<\/a>                    <\/div>\n        <div class=\"e-slide-item-info\">\n            <h3 class=\"e-slide-item-title\">\n                                <a href=\"https:\/\/www.etoro.com\/fr\/investing\/what-is-plan-epargne-retraite-per\/\"  class=\"\"  data-mixp=\"from-title\" data-item-type=\"guides\" data-title=\"Le Plan d&#8217;\u00c9pargne Retraite (PER)\" data-url=\"https:\/\/www.etoro.com\/fr\/investing\/what-is-plan-epargne-retraite-per\/\"  data-level=\"5\" data-aid=\"1079315\">Le Plan d&#8217;\u00c9pargne Retraite (PER)<\/a>                <\/h3>\n            <div class=\"e-slide-item-meta\">\n                <span class=\"e-slide-item-level\">D\u00e9butants<\/span>&bull;<span class=\"e-slide-item-duration\">7 min<\/span>            <\/div>\n            <div class=\"e-item-description-container\">\n                <div class=\"e-item-description\"><span style=\"font-weight: 400;\">D\u00e9couvrez comment inclure le PER, le Plan \u00c9pargne Retraite, dans vos plans d'investissement.<\/span><\/div>\n            <\/div>\n            <div class=\"e-item-buttons-wrapper\">\n                <div class=\"e-item-button-wrapper\">\n                    <a href=\"https:\/\/www.etoro.com\/fr\/investing\/what-is-plan-epargne-retraite-per\/\"  class=\"read-more\"  data-mixp=\"read-more-phrase\" data-item-type=\"guides\" data-title=\"Le Plan d&#8217;\u00c9pargne Retraite (PER)\" data-url=\"https:\/\/www.etoro.com\/fr\/investing\/what-is-plan-epargne-retraite-per\/\"  data-level=\"5\" data-aid=\"1079315\">Lire plus<\/a>                <\/div>\n                            <\/div>\n\n        <\/div>\n            <\/div>\n        <div class=\"e-slide-item swiper-slide guides\" data-type=\"guides\" data-level=\"intermediate\" data-category=\"investing\"   data-lang=\"fr\">\n        <div class=\"e-slide-item-img lazy\" data-src=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2025\/03\/FR-Assurance-vie-eToro-Life-Insurance_567x385.png\">\n                                    <a href=\"https:\/\/www.etoro.com\/fr\/investing\/placement-a-long-terme-assurance-vie\/\"  class=\"\"  data-mixp=\"item-image\" data-item-type=\"guides\" data-title=\"Placement \u00e0 Long Terme : Assurance-Vie\" data-url=\"https:\/\/www.etoro.com\/fr\/investing\/placement-a-long-terme-assurance-vie\/\"  data-level=\"5\" data-aid=\"1036103\">&#32;<\/a>                    <\/div>\n        <div class=\"e-slide-item-info\">\n            <h3 class=\"e-slide-item-title\">\n                                <a href=\"https:\/\/www.etoro.com\/fr\/investing\/placement-a-long-terme-assurance-vie\/\"  class=\"\"  data-mixp=\"from-title\" data-item-type=\"guides\" data-title=\"Placement \u00e0 Long Terme : Assurance-Vie\" data-url=\"https:\/\/www.etoro.com\/fr\/investing\/placement-a-long-terme-assurance-vie\/\"  data-level=\"5\" data-aid=\"1036103\">Placement \u00e0 Long Terme : Assurance-Vie<\/a>                <\/h3>\n            <div class=\"e-slide-item-meta\">\n                <span class=\"e-slide-item-level\">Interm\u00e9diaire<\/span>&bull;<span class=\"e-slide-item-duration\">7 min<\/span>            <\/div>\n            <div class=\"e-item-description-container\">\n                <div class=\"e-item-description\"><span style=\"font-weight: 400;\">D\u00e9couvrez l'assurance-vie comme option d'investissement \u00e0 long terme, ainsi que les d\u00e9tails essentiels \u00e0 conna\u00eetre concernant ce contrat populaire.<\/span><\/div>\n            <\/div>\n            <div class=\"e-item-buttons-wrapper\">\n                <div class=\"e-item-button-wrapper\">\n                    <a href=\"https:\/\/www.etoro.com\/fr\/investing\/placement-a-long-terme-assurance-vie\/\"  class=\"read-more\"  data-mixp=\"read-more-phrase\" data-item-type=\"guides\" data-title=\"Placement \u00e0 Long Terme : Assurance-Vie\" data-url=\"https:\/\/www.etoro.com\/fr\/investing\/placement-a-long-terme-assurance-vie\/\"  data-level=\"5\" data-aid=\"1036103\">Lire plus<\/a>                <\/div>\n                            <\/div>\n\n        <\/div>\n            <\/div>\n        <div class=\"e-slide-item swiper-slide guides\" data-type=\"guides\" data-level=\"beginners\" data-category=\"investing\" data-custom=\"investing-101\"  data-lang=\"fr\">\n        <div class=\"e-slide-item-img lazy\" data-src=\"https:\/\/www.etoro.com\/wp-content\/uploads\/2023\/05\/FR-Why-Should-I-Start-Investing-576x385-2.png\">\n                                    <a href=\"https:\/\/www.etoro.com\/fr\/investing\/why-should-i-start-investing\/\"  class=\"\"  data-mixp=\"item-image\" data-item-type=\"guides\" data-title=\"Pourquoi commencer \u00e0 investir ?\" data-url=\"https:\/\/www.etoro.com\/fr\/investing\/why-should-i-start-investing\/\"  data-level=\"5\" data-aid=\"633448\">&#32;<\/a>                    <\/div>\n        <div class=\"e-slide-item-info\">\n            <h3 class=\"e-slide-item-title\">\n                                <a href=\"https:\/\/www.etoro.com\/fr\/investing\/why-should-i-start-investing\/\"  class=\"\"  data-mixp=\"from-title\" data-item-type=\"guides\" data-title=\"Pourquoi commencer \u00e0 investir ?\" data-url=\"https:\/\/www.etoro.com\/fr\/investing\/why-should-i-start-investing\/\"  data-level=\"5\" data-aid=\"633448\">Pourquoi commencer \u00e0 investir ?<\/a>                <\/h3>\n            <div class=\"e-slide-item-meta\">\n                <span class=\"e-slide-item-level\">D\u00e9butants<\/span>&bull;<span class=\"e-slide-item-duration\">9 min<\/span>            <\/div>\n            <div class=\"e-item-description-container\">\n                <div class=\"e-item-description\"><span style=\"font-weight: 400;\">L\u2019investissement permet de monter les \u00e9chelons vers l\u2019ind\u00e9pendance financi\u00e8re. Chacun a ses propres objectifs, tous valables. Quel est le v\u00f4tre ?<\/span><\/div>\n            <\/div>\n            <div class=\"e-item-buttons-wrapper\">\n                <div class=\"e-item-button-wrapper\">\n                    <a href=\"https:\/\/www.etoro.com\/fr\/investing\/why-should-i-start-investing\/\"  class=\"read-more\"  data-mixp=\"read-more-phrase\" data-item-type=\"guides\" data-title=\"Pourquoi commencer \u00e0 investir ?\" data-url=\"https:\/\/www.etoro.com\/fr\/investing\/why-should-i-start-investing\/\"  data-level=\"5\" data-aid=\"633448\">Lire plus<\/a>                <\/div>\n                            <\/div>\n\n        <\/div>\n            <\/div>\n                    <\/div>\n            <\/div>\n            <div class=\"swiper-button-next\" data-slider-mixp=\"Next Carousel Button\" data-location=\"Carousel Most Recent\"><\/div>\n            <div class=\"swiper-button-prev\" data-slider-mixp=\"Prev Carousel Button\" data-location=\"Carousel Most Recent\"><\/div>\n        <\/div>\n    <\/div>\n\n    \n<\/div><\/section>\n\n\n\n<section class=\"wp-block-group wp-block-group-boxed has-white-background-color has-background\"><div class=\"wp-block-group-inner is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-columns are-vertically-aligned-top wp-block-columns-1 is-layout-flex wp-container-core-columns-is-layout-5 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-center\">FAQ<\/h2>\n\n\n\n<dl class=\"wp-block-etoro-faq\">\n<div class=\"wp-block-etoro-faq-item\"><dt class=\"wp-block-etoro-faq-item-question\">Quel est le montant minimum pour ouvrir un PER ?<\/dt><dd class=\"wp-block-etoro-faq-item-answer\">\n<p>Vous pouvez ouvrir votre PER vie d\u00e8s 300 \u20ac seulement.<\/p>\n<\/dd><\/div>\n\n\n\n<div class=\"wp-block-etoro-faq-item\"><dt class=\"wp-block-etoro-faq-item-question\">Puis-je retirer des fonds par anticipation ?<\/dt><dd class=\"wp-block-etoro-faq-item-answer\">\n<p>Non. Les fonds investis dans un PER sont bloqu\u00e9s jusqu\u2019\u00e0 la retraite, sauf dans certains cas pr\u00e9cis comme l\u2019achat de votre r\u00e9sidence principale ou la fin de vos droits au ch\u00f4mage.<\/p>\n<\/dd><\/div>\n\n\n\n<div class=\"wp-block-etoro-faq-item\"><dt class=\"wp-block-etoro-faq-item-question\">Mon capital est-il garanti ?<\/dt><dd class=\"wp-block-etoro-faq-item-answer\">\n<p>Les investissements en fonds euro sont s\u00e9curis\u00e9s. Les investissements bas\u00e9s sur le march\u00e9 sont soumis \u00e0 un risque.<\/p>\n<\/dd><\/div>\n\n\n\n<div class=\"wp-block-etoro-faq-item\"><dt class=\"wp-block-etoro-faq-item-question\">Assurance-vie ou PER ?<\/dt><dd class=\"wp-block-etoro-faq-item-answer\">\n<p>Le PER est pens\u00e9 pour la retraite, avec un avantage fiscal imm\u00e9diat (report d\u2019imp\u00f4t).<br>L\u2019assurance vie offre plus de flexibilit\u00e9 pour \u00e9pargner et transmettre votre capital.<\/p>\n<\/dd><\/div>\n\n\n\n<div class=\"wp-block-etoro-faq-item\"><dt class=\"wp-block-etoro-faq-item-question\">Qui g\u00e8re mon argent ?<\/dt><dd class=\"wp-block-etoro-faq-item-answer\">\n<p>Generali Wealth Solutions, une soci\u00e9t\u00e9 de gestion de portefeuille agr\u00e9\u00e9e par l\u2019AMF et bas\u00e9e \u00e0 Paris.<\/p>\n<\/dd><\/div>\n\n\n\n<div class=\"wp-block-etoro-faq-item\"><dt class=\"wp-block-etoro-faq-item-question\">Puis-je choisir mes propres investissements ?<\/dt><dd class=\"wp-block-etoro-faq-item-answer\">\n<p>Vous ne pouvez pas choisir d\u2019investissements individuels, mais vous pouvez s\u00e9lectionner parmi une gamme de portefeuilles s\u00e9lectionn\u00e9s par des experts.<\/p>\n<\/dd><\/div>\n<\/dl>\n<\/div>\n<\/div>\n<\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Qu\u2019est-ce qu\u2019un PER (Plan d&#8217;\u00c9pargne Retraite) ? Le PER est un plan d\u2019\u00e9pargne retraite con\u00e7u pour vous aider \u00e0 planifier votre retraite en investissant sur le long terme. D\u00e9sormais disponible via eToro Patrimoine et pilot\u00e9 par Generali Wealth Solutions, ce plan vous permet d\u2019investir dans un portefeuille organis\u00e9 ou personnalis\u00e9, enti\u00e8rement en ligne et adapt\u00e9&hellip;<\/p>\n","protected":false},"author":127,"featured_media":1131362,"parent":19763,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"sticky_cta_settings":"","footnotes":""},"asset_type":[],"class_list":["post-1127491","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<title>Plan d\u2019\u00c9pargne Retraite (PER) | eToro France<\/title>\n<meta name=\"description\" content=\"Commencez \u00e0 \u00e9pargner pour votre retraite avec le PER sur eToro France. 100 % digital, avantageux sur le plan fiscal et pilot\u00e9 par Generali. Commencez \u00e0 partir de 300 \u20ac.\" \/>\n<meta name=\"robots\" content=\"index, nofollow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.etoro.com\/fr\/wp-json\/wp\/v2\/pages\/1127491\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Plan d\u2019\u00c9pargne Retraite (PER) | eToro France\" \/>\n<meta property=\"og:description\" content=\"Commencez \u00e0 \u00e9pargner pour votre retraite avec le PER sur eToro France. 100 % digital, avantageux sur le plan fiscal et pilot\u00e9 par Generali. 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