{"id":2108,"date":"2021-12-24T15:17:34","date_gmt":"2021-12-24T15:17:34","guid":{"rendered":"https:\/\/rouzade.com\/?p=2108"},"modified":"2024-05-06T11:37:48","modified_gmt":"2024-05-06T09:37:48","slug":"kollektivnyj-plan-sberezhenij-pee","status":"publish","type":"post","link":"https:\/\/rouzade.com\/fr\/kollektivnyj-plan-sberezhenij-pee\/","title":{"rendered":"Plan d&#039;\u00e9pargne collectif PEE"},"content":{"rendered":"<p>Un plan d&#039;\u00e9pargne collectif (PEE) est un syst\u00e8me d&#039;\u00e9pargne cr\u00e9\u00e9 par un accord collectif ou une d\u00e9cision de l&#039;employeur. Cela permet aux salari\u00e9s de se constituer une \u00e9pargne \u00e0 moyen terme avec l\u2019aide de leur entreprise.<\/p>\n<p>Ce concept d&#039;\u00e9pargne salariale est mis en \u0153uvre dans des conditions fiscales et sociales avantageuses :<\/p>\n<ul>\n<li>Exon\u00e9ration de l&#039;imp\u00f4t sur le revenu de la partie de la prime vers\u00e9e au plan (mais soumise au paiement de cotisations sociales et d&#039;un versement forfaitaire de s\u00e9curit\u00e9 sociale dans certains cas).<\/li>\n<li>Cotisation patronale exon\u00e9r\u00e9e d&#039;imp\u00f4t sur le revenu.<\/li>\n<li>Les revenus per\u00e7us dans le cadre de ce plan sont \u00e9galement exon\u00e9r\u00e9s d&#039;imp\u00f4t sur le revenu, mais restent soumis aux cotisations de s\u00e9curit\u00e9 sociale (et dans certains cas aux avantages sociaux).<\/li>\n<\/ul>\n<p>Toutes les entreprises, quel que soit leur statut juridique (y compris les associations et professions lib\u00e9rales, ainsi que les entreprises publiques industrielles et commerciales), ont la possibilit\u00e9 de mettre du PEE \u00e0 la disposition de leurs salari\u00e9s.<\/p>\n<p>Cependant, l\u2019\u00c9tat, ainsi que les collectivit\u00e9s locales, les h\u00f4pitaux publics et les administrations publiques, n\u2019ont pas la capacit\u00e9 de cr\u00e9er de telles \u00e9conomies pour leurs salari\u00e9s.<\/p>\n<p>Le PEE est reconstitu\u00e9\u00a0:<\/p>\n<ul>\n<li>r\u00e9serve sp\u00e9ciale de participation,<\/li>\n<li>fonds de participation aux b\u00e9n\u00e9fices,<\/li>\n<li>paiements volontaires aux salari\u00e9s,<\/li>\n<li>droits CET mon\u00e9tis\u00e9s,<\/li>\n<li>transferts d&#039;un autre r\u00e9gime,<\/li>\n<li>actions re\u00e7ues gratuitement,<\/li>\n<\/ul>\n<p>et signe avec l&#039;entreprise.<\/p>\n<p>Les b\u00e9n\u00e9ficiaires du PEE sont les salari\u00e9s de l&#039;entreprise ou les membres d&#039;associations.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contenu<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Basculer la table des mati\u00e8res\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Basculer<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rouzade.com\/fr\/kollektivnyj-plan-sberezhenij-pee\/#%d0%9f%d0%be%d1%82%d0%be%d0%bb%d0%be%d0%ba_pee\" >PEE au plafond<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rouzade.com\/fr\/kollektivnyj-plan-sberezhenij-pee\/#%d0%98%d0%bd%d1%84%d0%be%d1%80%d0%bc%d0%b0%d1%86%d0%b8%d1%8f_%d0%be_%d0%b1%d0%b5%d0%bd%d0%b5%d1%84%d0%b8%d1%86%d0%b8%d0%b0%d1%80%d0%b0%d1%85\" >information du b\u00e9n\u00e9ficiaire<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rouzade.com\/fr\/kollektivnyj-plan-sberezhenij-pee\/#%d0%9a%d0%b0%d0%ba_%d1%80%d0%b0%d0%b1%d0%be%d1%82%d0%b0%d0%b5%d1%82_pee\" >Comment fonctionne le PEE ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rouzade.com\/fr\/kollektivnyj-plan-sberezhenij-pee\/#%d0%9a%d0%b0%d0%ba_%d0%b2%d0%b5%d1%80%d0%bd%d1%83%d1%82%d1%8c_%d0%b2%d0%bb%d0%be%d0%b6%d0%b5%d0%bd%d0%b8%d1%8f_%d0%b2_pee\" >Comment rentabiliser les investissements en PEE ?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rouzade.com\/fr\/kollektivnyj-plan-sberezhenij-pee\/#%d0%94%d0%be%d1%81%d1%80%d0%be%d1%87%d0%bd%d0%be%d0%b5_%d0%be%d1%81%d0%b2%d0%be%d0%b1%d0%be%d0%b6%d0%b4%d0%b5%d0%bd%d0%b8%d0%b5_%d0%b8_%d1%83%d1%85%d0%be%d0%b4_%d0%b8%d0%b7_%d0%ba%d0%be%d0%bc%d0%bf%d0%b0%d0%bd%d0%b8%d0%b8\" >Lib\u00e9ration anticip\u00e9e et d\u00e9part de l&#039;entreprise<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rouzade.com\/fr\/kollektivnyj-plan-sberezhenij-pee\/#%d0%92%d0%b0%d1%88%d0%b8_%d0%bf%d1%80%d0%b0%d0%b2%d0%b0_%d0%bd%d0%b0_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d0%b9_%d1%83%d1%85%d0%be%d0%b4%d0%b0_%d0%b8%d0%b7_%d0%ba%d0%be%d0%bc%d0%bf%d0%b0%d0%bd%d0%b8%d0%b8\" >Vos droits si vous quittez l&#039;entreprise<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rouzade.com\/fr\/kollektivnyj-plan-sberezhenij-pee\/#pee_%d0%b2_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d0%b5_%d1%81%d0%bc%d0%b5%d1%80%d1%82%d0%b8_%d0%b2%d0%bb%d0%b0%d0%b4%d0%b5%d0%bb%d1%8c%d1%86%d0%b0\" >PEE en cas de d\u00e9c\u00e8s du propri\u00e9taire<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rouzade.com\/fr\/kollektivnyj-plan-sberezhenij-pee\/#%d0%9f%d0%b5%d1%80%d0%b5%d0%b2%d0%be%d0%b4_pee_%d0%bd%d0%b0_per_%d0%b8%d0%bd%d0%b4%d0%b8%d0%b2%d0%b8%d0%b4%d1%83%d0%b0%d0%bb%d1%8c%d0%bd%d1%8b%d0%b9_%d0%b8%d0%bb%d0%b8_pere_per_%d0%ba%d0%be%d0%bb%d0%bb%d0%b5%d0%ba%d1%82%d0%b8%d0%b2%d0%bd%d1%8b%d0%b9\" >Conversion du PEE en PER (individuel) ou PERE (PER collectif)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rouzade.com\/fr\/kollektivnyj-plan-sberezhenij-pee\/#pee_%d0%bf%d1%80%d0%b5%d0%b8%d0%bc%d1%83%d1%89%d0%b5%d1%81%d1%82%d0%b2%d0%b0_%d0%b8_%d0%bd%d0%b5%d0%b4%d0%be%d1%81%d1%82%d0%b0%d1%82%d0%ba%d0%b8\" >Avantages et inconv\u00e9nients du PEE<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9f%d0%be%d1%82%d0%be%d0%bb%d0%be%d0%ba_pee\"><\/span>PEE au plafond<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Vous ne pouvez pas cotiser plus de 25% (Salaire annuel brut per\u00e7u) de votre revenu brut annuel au PEE.<\/p>\n<p>Dans le cas d&#039;une cotisation d&#039;entreprise, elle est limit\u00e9e \u00e0 trois fois le montant vers\u00e9 par le salari\u00e9 et est limit\u00e9e par convention pour ne pas d\u00e9passer 8% du PASS (plafond annuel de la s\u00e9curit\u00e9 sociale). Pour 2021, il ne peut exc\u00e9der 3290,80 euros.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2129\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56-2.jpg\" alt=\"\" width=\"940\" height=\"788\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56-2.jpg 940w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56-2-300x251.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56-2-768x644.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56-2-696x583.jpg 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56-2-501x420.jpg 501w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%98%d0%bd%d1%84%d0%be%d1%80%d0%bc%d0%b0%d1%86%d0%b8%d1%8f_%d0%be_%d0%b1%d0%b5%d0%bd%d0%b5%d1%84%d0%b8%d1%86%d0%b8%d0%b0%d1%80%d0%b0%d1%85\"><\/span>information du b\u00e9n\u00e9ficiaire<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Chaque b\u00e9n\u00e9ficiaire du PEE re\u00e7oit un rapport de situation annuel comprenant :<\/p>\n<ul>\n<li>Identification de l&#039;entreprise et du b\u00e9n\u00e9ficiaire.<\/li>\n<li>Le montant total des actifs cr\u00e9dit\u00e9s sur le compte du b\u00e9n\u00e9ficiaire, tel qu&#039;\u00e9valu\u00e9 au 31 d\u00e9cembre de l&#039;ann\u00e9e pr\u00e9c\u00e9dente.<\/li>\n<li>Le nombre d&#039;actifs par gestion, indiquant les dates de mise \u00e0 disposition, ainsi que les modes de gestion par d\u00e9faut dans les dispositions du plan ou retenus par le b\u00e9n\u00e9ficiaire.<\/li>\n<li>Un r\u00e9capitulatif des sommes cotis\u00e9es au r\u00e9gime au cours de la derni\u00e8re ann\u00e9e, ventil\u00e9es par type de versement, et des sommes retir\u00e9es du r\u00e9gime au cours de la m\u00eame p\u00e9riode, mettant en \u00e9vidence les sommes re\u00e7ues en cas de d\u00e9blocage anticip\u00e9.<\/li>\n<li>Un sommaire des d\u00e9penses engag\u00e9es par l&#039;employ\u00e9 au cours de la derni\u00e8re ann\u00e9e en vertu des dispositions du r\u00e9gime.<\/li>\n<li>Le relev\u00e9 de compte annuel peut \u00e9galement comprendre un \u00e9tat des frais support\u00e9s par la soci\u00e9t\u00e9 pour la tenue du compte-titres. Cette r\u00e9f\u00e9rence est obligatoire lorsque ce soutien prend fin en cas de d\u00e9part de l&#039;entreprise, et les frais de tenue du compte s\u00e9questre sont r\u00e9cup\u00e9r\u00e9s par pr\u00e9l\u00e8vement sur le patrimoine du b\u00e9n\u00e9ficiaire.<\/li>\n<\/ul>\n<p>L&#039;extrait de compte annuel est fourni au b\u00e9n\u00e9ficiaire dans un d\u00e9lai de 3 mois \u00e0 compter du 31 d\u00e9cembre de l&#039;ann\u00e9e pr\u00e9c\u00e9dente. Sauf opposition du b\u00e9n\u00e9ficiaire, cette d\u00e9claration annuelle pourra \u00eatre d\u00e9pos\u00e9e par voie \u00e9lectronique dans des conditions garantissant l&#039;int\u00e9grit\u00e9 des donn\u00e9es.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9a%d0%b0%d0%ba_%d1%80%d0%b0%d0%b1%d0%be%d1%82%d0%b0%d0%b5%d1%82_pee\"><\/span>Comment fonctionne le PEE ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Le plan d&#039;\u00e9pargne d&#039;une entreprise peut \u00eatre financ\u00e9 de plusieurs mani\u00e8res :<\/p>\n<ul>\n<li>l&#039;investisseur peut effectuer des paiements volontaires,<\/li>\n<li>lui c\u00e9der sa participation ou sa part aux b\u00e9n\u00e9fices,<\/li>\n<li>ou m\u00eame des promotions gratuites.<\/li>\n<\/ul>\n<p>Le PEE ne peut \u00eatre financ\u00e9 par des titres pr\u00e9alablement acquis par son titulaire. Toutefois, la cession irr\u00e9guli\u00e8re de titres ne remet pas en cause le traitement fiscal applicable aux PEE pour les titres acquis sous le r\u00e9gime l\u00e9gal.<\/p>\n<p>La p\u00e9riodicit\u00e9 des versements est libre, seul le montant annuel des versements est limit\u00e9.<\/p>\n<p>Les r\u00e8gles PEE peuvent exiger un paiement annuel minimum pour un v\u00e9hicule d\u2019investissement. Ce montant ne peut exc\u00e9der 160 \u20ac.<\/p>\n<p>En raison de l&#039;interdiction de toute forme de discrimination, chaque employ\u00e9 doit avoir la possibilit\u00e9 de choisir entre toutes les options propos\u00e9es d&#039;instruments d&#039;investissement disponibles, s&#039;il y en a plusieurs. Il est donc impossible de pr\u00e9voir des formules de placement diff\u00e9rentes pour diff\u00e9rentes cat\u00e9gories de salari\u00e9s.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2130\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56.jpg\" alt=\"\" width=\"940\" height=\"788\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56.jpg 940w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56-300x251.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56-768x644.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56-696x583.jpg 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-56-501x420.jpg 501w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9a%d0%b0%d0%ba_%d0%b2%d0%b5%d1%80%d0%bd%d1%83%d1%82%d1%8c_%d0%b2%d0%bb%d0%be%d0%b6%d0%b5%d0%bd%d0%b8%d1%8f_%d0%b2_pee\"><\/span>Comment rentabiliser les investissements en PEE ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Le PEE est d\u00e9livr\u00e9 pour une dur\u00e9e d\u2019au moins 5 ans. Des dur\u00e9es plus longues peuvent \u00eatre fix\u00e9es par les r\u00e8gles du R\u00e9gime.<\/p>\n<p>Les b\u00e9n\u00e9ficiaires peuvent conserver leurs avoirs apr\u00e8s la p\u00e9riode de conservation du PEE ou m\u00eame apr\u00e8s avoir quitt\u00e9 l&#039;entreprise en cas de d\u00e9part, de d\u00e9mission volontaire et de d\u00e9part \u00e0 la retraite ou de retraite anticip\u00e9e.<\/p>\n<p>Dans certaines situations, ils peuvent \u00e9galement retirer des fonds de mani\u00e8re anticip\u00e9e.<\/p>\n<p>Les b\u00e9n\u00e9fices des PEE r\u00e9alis\u00e9s \u00e0 l&#039;issue du Plan soumis \u00e0 la p\u00e9riode minimale de blocage sont exon\u00e9r\u00e9s d&#039;imp\u00f4t sur le revenu et soumis aux cotisations sociales.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%94%d0%be%d1%81%d1%80%d0%be%d1%87%d0%bd%d0%be%d0%b5_%d0%be%d1%81%d0%b2%d0%be%d0%b1%d0%be%d0%b6%d0%b4%d0%b5%d0%bd%d0%b8%d0%b5_%d0%b8_%d1%83%d1%85%d0%be%d0%b4_%d0%b8%d0%b7_%d0%ba%d0%be%d0%bc%d0%bf%d0%b0%d0%bd%d0%b8%d0%b8\"><\/span>Lib\u00e9ration anticip\u00e9e et d\u00e9part de l&#039;entreprise<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Les montants du PEE ou du PEI sont g\u00e9n\u00e9ralement bloqu\u00e9s pendant 5 ans. Faisant partie du Perco, ils sont immobilis\u00e9s jusqu&#039;\u00e0 la retraite.<\/p>\n<p>Dans certains cas limit\u00e9s, un salari\u00e9 peut avoir la possibilit\u00e9 de demander un d\u00e9blocage anticip\u00e9 des sommes sans perdre les avantages sociaux et fiscaux associ\u00e9s au syst\u00e8me.<\/p>\n<p>Ces cas de lib\u00e9ration anticip\u00e9e autoris\u00e9e comprennent, sans toutefois s&#039;y limiter\u00a0:<\/p>\n<ul>\n<li>le mariage ou le PACS du b\u00e9n\u00e9ficiaire ;<\/li>\n<li>cat\u00e9gorie d&#039;invalidit\u00e9 2-3 du b\u00e9n\u00e9ficiaire, du conjoint ou des enfants\u00a0;<\/li>\n<li>d\u00e9c\u00e8s du b\u00e9n\u00e9ficiaire ou de son conjoint ;<\/li>\n<li>naissance ou adoption d&#039;un 3\u00e8me enfant ;<\/li>\n<li>rupture d&#039;un contrat de travail, retraite forc\u00e9e ;<\/li>\n<li>cr\u00e9ation ou acquisition d&#039;une entreprise;<\/li>\n<li>acquisition, r\u00e9novation suite \u00e0 une catastrophe naturelle ou agrandissement d&#039;une r\u00e9sidence principale ;<\/li>\n<li>victime de violences conjugales (\u00e0 partir du 6 juin 2020) ;<\/li>\n<li>situation de surendettement.<\/li>\n<\/ul>\n<p>Perco a ses propres caract\u00e9ristiques. Les cas de lib\u00e9ration anticip\u00e9e comprennent, par exemple\u00a0:<\/p>\n<ul>\n<li>d\u00e9c\u00e8s du salari\u00e9, de son conjoint ou d&#039;une personne associ\u00e9e au salari\u00e9 par le biais du syst\u00e8me PACS ;<\/li>\n<li>expiration du droit aux allocations de ch\u00f4mage ;<\/li>\n<li>acquisition d&#039;une r\u00e9sidence principale ou restauration d&#039;une r\u00e9sidence principale endommag\u00e9e suite \u00e0 un sinistre reconnu par une r\u00e9solution interminist\u00e9rielle.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"%d0%92%d0%b0%d1%88%d0%b8_%d0%bf%d1%80%d0%b0%d0%b2%d0%b0_%d0%bd%d0%b0_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d0%b9_%d1%83%d1%85%d0%be%d0%b4%d0%b0_%d0%b8%d0%b7_%d0%ba%d0%be%d0%bc%d0%bf%d0%b0%d0%bd%d0%b8%d0%b8\"><\/span>Vos droits si vous quittez l&#039;entreprise<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Lors d&#039;une sortie de l&#039;entreprise (licenciement, fin d&#039;un CDD...), le salari\u00e9 dispose des droits (sauf Perco) :<\/p>\n<ul>\n<li>exiger un retrait anticip\u00e9 des fonds\u00a0;<\/li>\n<li>transf\u00e9rer vos droits \u00e0 un nouvel employeur;<\/li>\n<li>laisser les fonds dans l&#039;entreprise qu&#039;il quitte. Ils lui seront adress\u00e9s par l&#039;employeur \u00e0 l&#039;issue du d\u00e9lai de blocage.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2131\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-57.jpg\" alt=\"\" width=\"940\" height=\"788\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-57.jpg 940w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-57-300x251.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-57-768x644.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-57-696x583.jpg 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-57-501x420.jpg 501w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/p>\n<p>L&#039;employeur doit fournir au salari\u00e9 qui quitte l&#039;entreprise une synth\u00e8se de l&#039;ensemble des sommes et titres conserv\u00e9s ou transf\u00e9r\u00e9s \u00e0 l&#039;entreprise au titre de l&#039;\u00e9pargne salariale.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"pee_%d0%b2_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d0%b5_%d1%81%d0%bc%d0%b5%d1%80%d1%82%d0%b8_%d0%b2%d0%bb%d0%b0%d0%b4%d0%b5%d0%bb%d1%8c%d1%86%d0%b0\"><\/span>PEE en cas de d\u00e9c\u00e8s du propri\u00e9taire<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Au d\u00e9c\u00e8s du titulaire, le PEE ou PERCO entre dans la succession et devient disponible aux h\u00e9ritiers au bout de 6 mois.<\/p>\n<p>Si les h\u00e9ritiers n&#039;ont pas r\u00e9clam\u00e9 de PEE ou de PERCO, le compte devient inactif un an apr\u00e8s la date du d\u00e9c\u00e8s sauf si un h\u00e9ritier a fait part au syndic de sa volont\u00e9 de rembourser l&#039;\u00e9pargne.<\/p>\n<p>Apr\u00e8s trois ans d&#039;inactivit\u00e9, l&#039;\u00e9pargne du plan est transf\u00e9r\u00e9e \u00e0 la Caisse des D\u00e9p\u00f4ts et Consignations. Les b\u00e9n\u00e9ficiaires ont 27 ans pour r\u00e9clamer le montant aupr\u00e8s de la Caisse des D\u00e9p\u00f4ts et Consignations. Dans le cas contraire, ils sont finalement acquis par l&#039;\u00c9tat.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9f%d0%b5%d1%80%d0%b5%d0%b2%d0%be%d0%b4_pee_%d0%bd%d0%b0_per_%d0%b8%d0%bd%d0%b4%d0%b8%d0%b2%d0%b8%d0%b4%d1%83%d0%b0%d0%bb%d1%8c%d0%bd%d1%8b%d0%b9_%d0%b8%d0%bb%d0%b8_pere_per_%d0%ba%d0%be%d0%bb%d0%bb%d0%b5%d0%ba%d1%82%d0%b8%d0%b2%d0%bd%d1%8b%d0%b9\"><\/span>Conversion du PEE en PER (individuel) ou PERE (PER collectif)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>En l\u2019\u00e9tat actuel, il n\u2019est pas possible d\u2019effectuer un transfert d\u2019\u00e9pargne d\u2019un PEE vers un PER individuel ou un nouveau PERE d\u2019entreprise : un transfert semble uniquement possible d\u2019un PEE vers un nouveau PEE d\u2019entreprise ou un nouveau PERCO d\u2019entreprise.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"pee_%d0%bf%d1%80%d0%b5%d0%b8%d0%bc%d1%83%d1%89%d0%b5%d1%81%d1%82%d0%b2%d0%b0_%d0%b8_%d0%bd%d0%b5%d0%b4%d0%be%d1%81%d1%82%d0%b0%d1%82%d0%ba%d0%b8\"><\/span>Avantages et inconv\u00e9nients du PEE<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Le plan d&#039;\u00e9pargne PEE permet aux salari\u00e9s et dirigeants b\u00e9n\u00e9ficiaires de constituer une \u00e9pargne financi\u00e8re dans des conditions fiscales et sociales avantageuses. Pour le salari\u00e9, l&#039;apport, s&#039;il existe, repr\u00e9sente une aide int\u00e9ressante de la part de l&#039;employeur pour augmenter son capital.<\/p>\n<p>En \u00e9change d&#039;avantages fiscaux et sociaux, le PEE pr\u00e9sente l&#039;inconv\u00e9nient de bloquer les sommes investies pendant une dur\u00e9e de 5 ans. Les cas de lib\u00e9ration anticip\u00e9e sont cependant assez nombreux (10 au total) mais ils restent limit\u00e9s.<\/p>\n<p>Enfin, le PEE est un portefeuille de titres. Le b\u00e9n\u00e9ficiaire du plan doit choisir entre plusieurs v\u00e9hicules de placement financier. Certains sont risqu\u00e9s et peuvent entra\u00eener des pertes en capital car ils investissent en bourse. Il est donc important de suivre vos investissements en PEE et de proc\u00e9der \u00e0 des arbitrages, ce qui n&#039;est pas toujours \u00e9vident sans l&#039;aide de professionnels.<\/p>\n<p>Sources:<\/p>\n<p><a href=\"https:\/\/fidnet.fidroit.fr\/document\/38062\">https:\/\/fidnet.fidroit.fr\/document\/38062<\/a><\/p>\n<p><a href=\"https:\/\/www.previssima.fr\/question-pratique\/quest-ce-quun-pee-et-comment-fonctionne-til.html\">https:\/\/www.previssima.fr\/question-pratique\/quest-ce-quun-pee-et-comment-fonctionne-til.html<\/a><\/p>\n<p><a href=\"https:\/\/www.urssaf.fr\/portail\/home\/employeur\/calculer-les-cotisations\/les-elements-a-prendre-en-compte\/lepargne-salariale\/les-plans-depargne\/le-deblocage-anticipe-et-le-depa.html\">https:\/\/www.urssaf.fr\/portail\/home\/employeur\/calculer-les-cotisations\/les-elements-a-prendre-en-compte\/lepargne-salariale\/les-plans-depargne\/le-deblocage-anticipe-et-le-depa.html<\/a><\/p>\n<p>https:\/\/www.la-retraite-en-clair.fr\/preparer-financierement-retraite\/essentiel-solutions-epargne-retraite\/perp-perco-devient-epargne-retraite-salariale-cas-deces<\/p>","protected":false},"excerpt":{"rendered":"<p>Dans cet article, vous apprendrez tous les d\u00e9tails sur le plan d&#039;\u00e9pargne collectif (PEE), qui est un syst\u00e8me d&#039;\u00e9pargne cr\u00e9\u00e9 par un accord collectif ou une d\u00e9cision de l&#039;employeur.<\/p>","protected":false},"author":1,"featured_media":2128,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[6],"tags":[322,366],"class_list":{"0":"post-2108","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-blog","8":"tag-pensija","9":"tag-finance"},"acf":[],"yoast_head":"<title>\u041f\u043e\u0434\u0440\u043e\u0431\u043d\u0430\u044f \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f \u043e \u043a\u043e\u043b\u043b\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u043c \u043f\u043b\u0430\u043d\u0435 \u0441\u0431\u0435\u0440\u0435\u0436\u0435\u043d\u0438\u0439 PEE<\/title>\n<meta name=\"description\" content=\"\u0423\u0437\u043d\u0430\u0439\u0442\u0435, \u0447\u0442\u043e \u0442\u0430\u043a\u043e\u0435 PEE \u0438 \u043a\u0430\u043a \u0440\u0430\u0431\u043e\u0442\u0430\u0435\u0442. \u041a\u0430\u043a \u0432\u0435\u0440\u043d\u0443\u0442\u044c \u0432\u043b\u043e\u0436\u0435\u043d\u0438\u044f \u0432 PEE? \u0438 \u043c\u043d\u043e\u0433\u043e\u0435 \u0434\u0440\u0443\u0433\u043e\u0435.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rouzade.com\/fr\/kollektivnyj-plan-sberezhenij-pee\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u041f\u043e\u0434\u0440\u043e\u0431\u043d\u0430\u044f \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f \u043e \u043a\u043e\u043b\u043b\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u043c \u043f\u043b\u0430\u043d\u0435 \u0441\u0431\u0435\u0440\u0435\u0436\u0435\u043d\u0438\u0439 PEE\" \/>\n<meta property=\"og:description\" content=\"\u0423\u0437\u043d\u0430\u0439\u0442\u0435, \u0447\u0442\u043e \u0442\u0430\u043a\u043e\u0435 PEE \u0438 \u043a\u0430\u043a \u0440\u0430\u0431\u043e\u0442\u0430\u0435\u0442. \u041a\u0430\u043a \u0432\u0435\u0440\u043d\u0443\u0442\u044c \u0432\u043b\u043e\u0436\u0435\u043d\u0438\u044f \u0432 PEE? \u0438 \u043c\u043d\u043e\u0433\u043e\u0435 \u0434\u0440\u0443\u0433\u043e\u0435.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/rouzade.com\/fr\/kollektivnyj-plan-sberezhenij-pee\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/OlgaRouzade\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/OlgaRouzade\" \/>\n<meta property=\"article:published_time\" content=\"2021-12-24T15:17:34+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-06T09:37:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-55.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"940\" \/>\n\t<meta property=\"og:image:height\" content=\"788\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Olga Rouzade\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/olgarouzade\" \/>\n<meta name=\"twitter:site\" content=\"@olgarouzade\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Olga Rouzade\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>","yoast_head_json":{"title":"\u041f\u043e\u0434\u0440\u043e\u0431\u043d\u0430\u044f \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f \u043e \u043a\u043e\u043b\u043b\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u043c \u043f\u043b\u0430\u043d\u0435 \u0441\u0431\u0435\u0440\u0435\u0436\u0435\u043d\u0438\u0439 PEE","description":"\u0423\u0437\u043d\u0430\u0439\u0442\u0435, \u0447\u0442\u043e \u0442\u0430\u043a\u043e\u0435 PEE \u0438 \u043a\u0430\u043a \u0440\u0430\u0431\u043e\u0442\u0430\u0435\u0442. \u041a\u0430\u043a \u0432\u0435\u0440\u043d\u0443\u0442\u044c \u0432\u043b\u043e\u0436\u0435\u043d\u0438\u044f \u0432 PEE? \u0438 \u043c\u043d\u043e\u0433\u043e\u0435 \u0434\u0440\u0443\u0433\u043e\u0435.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/rouzade.com\/fr\/kollektivnyj-plan-sberezhenij-pee\/","og_locale":"fr_FR","og_type":"article","og_title":"\u041f\u043e\u0434\u0440\u043e\u0431\u043d\u0430\u044f \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f \u043e \u043a\u043e\u043b\u043b\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u043c \u043f\u043b\u0430\u043d\u0435 \u0441\u0431\u0435\u0440\u0435\u0436\u0435\u043d\u0438\u0439 PEE","og_description":"\u0423\u0437\u043d\u0430\u0439\u0442\u0435, \u0447\u0442\u043e \u0442\u0430\u043a\u043e\u0435 PEE \u0438 \u043a\u0430\u043a \u0440\u0430\u0431\u043e\u0442\u0430\u0435\u0442. \u041a\u0430\u043a \u0432\u0435\u0440\u043d\u0443\u0442\u044c \u0432\u043b\u043e\u0436\u0435\u043d\u0438\u044f \u0432 PEE? \u0438 \u043c\u043d\u043e\u0433\u043e\u0435 \u0434\u0440\u0443\u0433\u043e\u0435.","og_url":"https:\/\/rouzade.com\/fr\/kollektivnyj-plan-sberezhenij-pee\/","article_publisher":"https:\/\/www.facebook.com\/OlgaRouzade","article_author":"https:\/\/www.facebook.com\/OlgaRouzade","article_published_time":"2021-12-24T15:17:34+00:00","article_modified_time":"2024-05-06T09:37:48+00:00","og_image":[{"width":940,"height":788,"url":"https:\/\/rouzade.com\/wp-content\/uploads\/2021\/12\/photo_2021-12-24_14-59-55.jpg","type":"image\/jpeg"}],"author":"Olga 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