{"id":18771,"date":"2024-06-21T10:00:00","date_gmt":"2024-06-21T08:00:00","guid":{"rendered":"https:\/\/www.bizouard.com\/blog\/2024\/06\/21\/plan-depargne-retraite-la-gestion-profilee-a-horizon-est-elle-performante\/"},"modified":"2024-09-03T12:02:10","modified_gmt":"2024-09-03T10:02:10","slug":"plan-depargne-retraite-la-gestion-profilee-a-horizon-est-elle-performante","status":"publish","type":"post","link":"https:\/\/www.bizouard.com\/blog\/2024\/06\/21\/plan-depargne-retraite-la-gestion-profilee-a-horizon-est-elle-performante\/","title":{"rendered":"Plan d\u2019\u00e9pargne retraite\u00a0: la gestion profil\u00e9e \u00e0 horizon est-elle performante\u00a0?"},"content":{"rendered":"

Le Plan d\u2019\u00e9pargne retraite (PER) conna\u00eet un franc succ\u00e8s depuis son lancement fin 2019. D\u2019apr\u00e8s les derniers chiffres de Bercy, plus de 10\u00a0millions d\u2019\u00e9pargnants en sont \u00e9quip\u00e9s. Ce succ\u00e8s peut s\u2019expliquer par les diff\u00e9rents avantages qu\u2019offre ce type de contrat, \u00e0 savoir notamment\u00a0: une fiscalit\u00e9 avantageuse, une possible transmission du capital via une clause b\u00e9n\u00e9ficiaire et un large panel de supports d\u2019investissement permettant une bonne diversification. Le cabinet Good Value for Money s\u2019est d\u2019ailleurs int\u00e9ress\u00e9 \u00e0 la partie financi\u00e8re du PER et, plus pr\u00e9cis\u00e9ment, \u00e0 la performance des offres de gestion profil\u00e9e \u00e0 horizon.<\/p>\n

Pour rappel, afin d\u2019aider les \u00e9pargnants \u00e0 atteindre leur objectif de pr\u00e9paration \u00e0 la retraite, le PER propose, par d\u00e9faut, une gestion pilot\u00e9e \u00e0 horizon. Cette derni\u00e8re consiste, au d\u00e9but de la phase d\u2019\u00e9pargne, donc lorsque la retraite est lointaine, \u00e0 orienter l\u2019\u00e9pargne vers des actifs \u00e0 meilleure esp\u00e9rance de rendement, comme des actions. Et plus l\u2019assur\u00e9 s\u2019approchera de l\u2019\u00e2ge de la retraite, plus l\u2019\u00e9pargne sera progressivement s\u00e9curis\u00e9e. \u00c9tant pr\u00e9cis\u00e9 que 3\u00a0profils sont propos\u00e9s\u00a0: un profil mod\u00e9r\u00e9, un profil \u00e9quilibr\u00e9 et un profil dynamique.<\/p>\n

Des performances positives<\/h3>\n

Apr\u00e8s avoir analys\u00e9 38\u00a0offres de gestion profil\u00e9e \u00e0 horizon, Good Value for Money a pu observer que les gestions profil\u00e9es \u00e0 horizon ont toutes d\u00e9livr\u00e9 des performances positives (nettes de frais) en 2023\u00a0:<\/p>\n

– 5,38\u00a0% pour les profils prudents\u00a0;<\/p>\n

– 6,49\u00a0% pour les profils \u00e9quilibr\u00e9s\u00a0;<\/p>\n

– 7,71\u00a0% pour les profils dynamiques.<\/p>\n

L\u2019\u00e9tude souligne aussi que l\u2019ann\u00e9e 2023 ayant \u00e9t\u00e9 tr\u00e8s favorable sur les march\u00e9s financiers (CAC 40\u00a0: +16,5\u00a0%, Euro Stoxx\u00a050\u00a0: +17,5\u00a0%, S&P\u00a0500\u00a0: +24\u00a0%…), il est \u00e9vident que la performance des gestions profil\u00e9es \u00e0 horizon prudent, \u00e9quilibr\u00e9 et dynamique a \u00e9t\u00e9 largement positive au cours de l\u2019exercice.<\/p>\n

Les Echos Publishing 2024<\/p>\n","protected":false},"excerpt":{"rendered":"

Selon une \u00e9tude r\u00e9cente, la gestion profil\u00e9e \u00e0 horizon (profil \u00e9quilibr\u00e9) des PER individuels a affich\u00e9 un rendement moyen de 6,49\u00a0% en 2023.<\/p>\n","protected":false},"author":5,"featured_media":18772,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[36],"tags":[],"class_list":["post-18771","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-patrimoine","typo-actualite"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/18771"}],"collection":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/comments?post=18771"}],"version-history":[{"count":0,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/posts\/18771\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media\/18772"}],"wp:attachment":[{"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/media?parent=18771"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/categories?post=18771"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bizouard.com\/wp-json\/wp\/v2\/tags?post=18771"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}