PER: Fortuneo launches his retirement savings plan, accessible and at reduced costs

Fortuneo launches his first retirement savings plan (PER), accessible from 100 euros and with limited costs. Enough to seduce savers who wish to start at a lower cost and preserve their performance over time.

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After the savings booklets, life insurance and the equity savings plan (PEA), Fortuneo embarks on per. The online bank (a subsidiary of Crédit Mutuel Arkéa) announced this Tuesday, February 5, the marketing of its retirement savings plan “Fortuneo per”. A 100% digital product, which will be provided by the Suravenir group, as is life insurance already distributed by Fortuneo. “Like life insurance, the PER is one of the tools to prepare your retirement, and which, given its dynamics, responds to a need for savers. It was therefore logical for us to offer it ”underlines Grégory Guermonprez, director of Fortuneo.

To find a place on this market which has indeed already attracted 10 million holders, Fortuneo first relied on the performance of the Euros fund to Suravenir in 2024, announced recently. The savers already invested in this guaranteed capital support via another contract We indeed have a rate between 2.80% and 3.20% (with bonuses) last year, more than the expected average for the ‘Set of the market (2.50% in life insurance, and probably a little less for the euros of the PER).

“No entry fees, on payment, arbitration or exit”

“Fortuneo per” is also intended to be accessible, with an initial payment of only 100 euros. A starting bet which is in fact rather in the low range, when for certain contracts, the entry tickets are fixed at 1,000 euros (including those provided by Suravenir on behalf of other distributors – Linxea, Lucyya, Hedios…). Finally, Fortuneo also wishes to stand out with its costs, reduced to annual management fees. In free management: 0.7% on the Euros and 0.5% fund on account units (UC), and, in controlled management, 0.7% on these two types of supports. “No entry fees, on payment, arbitration or exit”supports Grégory Guermonprez.

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A proposal that aligns this PER on the costs of other online contracts on the market (Matla at Boursorama, Placement-Direct Retraite ISR, Per Caravel … See our most efficient PRA ranking according to your profile). And a major argument, in particular concerning management fees on account units, as they can considerably amputate the return of your contract over a long time that a product requires as the PER, in principle blocked until your retirement.