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PER Retirement Savings Plan and PPM Charter

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PER Retirement Savings Plan and PPM Charter

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Questions and Answers

What is the main purpose of the PER retirement savings plan?

To complicate and diversify retirement savings products

To simplify and harmonize retirement savings products (correct)

To limit retirement savings options for individuals

To provide tax penalties for retirement savings contributions

Who is eligible to subscribe to an individual PER?

Retirees over 70

Only self-employed workers

Anyone (correct)

Only employees of certain companies

What is a PERCOL?

A type of individual PER

A retirement savings plan for retirees

A PER for companies and self-employed workers (correct)

A compulsory PER for all individuals

How many savings compartments does the PER have?

Three Signup and view all the answers

How is each sub-fund of the PER taxed?

Each sub-fund has its own tax system Signup and view all the answers

What is the main benefit of the PER?

Tax exemption for contributions Signup and view all the answers

What does the PPM Charter provide guidelines for?

Controlled investment Signup and view all the answers

What are some of the values promoted by the PPM Charter?

Perseverance, lucidity, detachment, caution, and audacity Signup and view all the answers

How can investing during market declines boost performance?

By taking advantage of lower prices and potential future gains Signup and view all the answers

What should guide investment decisions, according to the text?

Rational analysis and research Signup and view all the answers

Study Notes

The Pacte law introduced the PER retirement savings plan to simplify and harmonize retirement savings products.
There are three forms of PER: individual, universal corporate collective, and compulsory/categorical.
Anyone can subscribe to an individual PER except retirees over 70, while a PERCOL is for companies and self-employed workers.
The PER has three savings compartments for voluntary, employee, and compulsory savings.
Each sub-fund has its own tax system.
The main benefit of the PER is tax exemption for contributions.
PPM Charter provides guidelines for controlled investment, including splitting entry payments and desensitizing investments as the exit approaches.
PPM Charter values perseverance, lucidity, detachment, caution, and audacity.
Keeping cash for free payments and investing during market declines can boost performance.
Emotions should not guide investment decisions.

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Description

Learn about the PER retirement savings plan introduced by the Pacte law and the guidelines provided by the PPM Charter for controlled investment. Understand the different forms of PER, savings compartments, tax systems, and benefits of tax exemption for contributions.